Auto Insurance Rates for a Honda Insight in Tucson

The best way to get the cheapest car insurance rates in Tucson is to regularly compare price quotes from companies who sell auto insurance in Arizona.

First, spend a few minutes and learn about how your policy works and the steps you can take to keep rates in check. Many rating factors that result in higher rates like traffic violations and a not-so-good credit rating can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover more information to help reduce prices and earn a bigger discount.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote prices for many different companies.

Third, compare the new rate quotes to your existing rates to see if cheaper Insight coverage is available in Tucson. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One important bit of advice is to use the same level of coverage on each quote and and to get price estimates from every insurance company. Doing this helps ensure the most accurate price comparison and a complete price analysis.

Insurance quote for Honda Insight in TucsonUnbelievable but true according to a study over 70% of drivers have been with the same company for a minimum of four years, and nearly 40% of drivers have never shopped around. Many drivers in Arizona can save hundreds of dollars each year, but they think it’s difficult to do a rate comparison.

Keep in mind that getting more free quotes increases the chance that you will find a better price.

The auto insurance companies shown below offer free quotes in Arizona. If you want the best cheap auto insurance in Arizona, we suggest you visit two to three different companies to get the cheapest price.

Companies offer money-saving discounts on Honda Insight insurance in Tucson

Car insurance is not cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but a few need to be manually applied before they will apply.Insurance discounts

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

The illustration below illustrates the difference between Honda Insight auto insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.

Some companies that may offer policyholders most of these discounts may include but are not limited to:

When getting free Tucson auto insurance quotes, it’s a good idea to each insurance company what discounts are available to you. Some discounts might not be offered on policies in Tucson. To find insurers that can offer you the previously mentioned discounts in Tucson, click this link.

Rate information and statistics

The premium table shown below highlights estimates of insurance coverage prices for Honda Insight models. Having insight into how auto insurance policy rates are established can help drivers make decisions when shopping your coverage around.

Honda Insight Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $160 $362 $362 $22 $108 $1,014 $85
Insight EX $184 $426 $362 $22 $108 $1,102 $92
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can decrease or increase auto insurance rates substantially.

Deductible comparison

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The comparison tables below can help you visualize the rate differences when you select higher and lower insurance deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Honda Insight insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $224 $466 $300 $18 $90 $1,123 $94
Insight EX $258 $548 $300 $18 $90 $1,239 $103
Get Your Own Custom Quote Go

Honda Insight insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $164 $314 $300 $18 $90 $886 $74
Insight EX $188 $370 $300 $18 $90 $966 $81
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can lower or raise auto insurance rates noticeably.

We can estimate from the data above that using a $100 deductible costs about $21 more each month or $252 annually than quoting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would probably save some money by selecting a higher deductible. Below is a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $99
Average monthly premium for $500 deductibles (subtract): – $78
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The example below shows how different deductible levels and can influence Honda Insight annual premium costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Impact of speeding/accidents on Tucson insurance rates

The example below demonstrates how speeding tickets and accident claims can drive up Honda Insight auto insurance costs for each different age group. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Honda Insight insurance rates by gender

The diagram below visualizes the comparison of Honda Insight insurance prices for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Best auto insurance in Tucson

Picking the top insurer is difficult considering how many companies sell coverage in Arizona. The company ratings in the lists below could help you decide which auto insurers to look at putting your business with.

Top 10 Tucson Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Tucson Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco