Lower Your 2009 Honda Element Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Honda Element? Comparing and finding more affordable rates for Driversinsurance coverage might be quite difficult for drivers who are new to buying insurance online. Drivers have so many options that it can quickly become a difficult situation to lower your prices.

The easiest way to compare rate quotes is to take advantage of the fact auto insurance companies allow for online access to compare their rates. The only thing you need to do is spend a couple of minutes providing details including driver ages, an estimate of your credit level, if you have a valid license, and whether you drive to work or school. That rating information is automatically sent to many of the top insurers and you will receive price estimates quickly.

If you would like to compare rates now, click here then complete the form.

Get lower-cost insurance coverage with discounts

Insurance coverage is not cheap nor is it fun to buy but there are discounts available that you may not even know about. Some trigger automatically when you quote, but less common discounts must be specially asked for before they will apply.

• Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
• Sign Online – Some of the larger companies give back up to $50 for buying your policy on their website.
• Onboard Data Collection – Insureds who allow their company to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
• Multiple Vehicles – Drivers who insure multiple cars or trucks on a single policy may reduce the rate for each vehicle.
• ABS Brakes – Cars and trucks with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
• Defensive Driver Discounts – Participating in a driver safety course could save 5% or more and easily recoup the cost of the course.
• Government Employees – Federal government employees may reduce rates when you quote insurance coverage for Element coverage depending on your company.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

A list of companies and their possible discounts are included below.

• The Hartford offers premium reductions for air bag, anti-theft, defensive driver, good student, and bundle.
• American Family includes discounts for bundled insurance, air bags, defensive driver, Steer into Savings, mySafetyValet, TimeAway discount, and accident-free.
• Progressive may have discounts that include good student, online quote discount, multi-policy, online signing, continuous coverage, multi-vehicle, and homeowner.
• Travelers has savings for multi-car, driver training, new car, hybrid/electric vehicle, multi-policy, IntelliDrive, and continuous insurance.
• Farmers Insurance may offer discounts for mature driver, multi-car, early shopping, teen driver, bundle discounts, electronic funds transfer, and pay in full.
• USAA may include discounts for annual mileage, driver training, military installation, multi-vehicle, family discount, vehicle storage, and defensive driver.
• Liberty Mutual policyholders can earn discounts including multi-policy, newly retired, newly married, new move discount, and hybrid vehicle.

Before buying, ask each company to apply every possible discount. Discounts might not be offered in your area. To choose providers that can offer you the previously mentioned discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

• Do I have coverage if my license is suspended?
• Can I drive in Mexico and have coverage?
• Do I need to file an SR-22 for a DUI in my state?
• How can I get my company to pay me more for my totalled car?
• When would I need rental car insurance?
• Are my friends covered when driving my car?
• How do I insure my teen driver?
• Can I still get insurance after a DUI?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance specifics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This coverage covers damage to your Element caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for surgery, hospital visits, ambulance fees and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability coverages – This protects you from damage that occurs to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, bail bonds, pain and suffering and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Honda Element.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, falling objects and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.