Trying to find better insurance prices for a Honda FCX can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to compare auto insurance rates and you need to know the proper way to get price quotes for a new or used Honda and obtain the lowest possible price either online or from local insurance agents.
Smart consumers take time to compare rates every six months because prices go up and down regularly. Even if you think you had the best rates for FCX coverage on your last policy you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the easiest way to find the best coverage while lowering your premiums.
Cut your premium with discounts
Companies that sell car insurance don’t always publicize every discount very clearly, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
- Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
- Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for FCX coverage depending on your company.
- Senior Citizens – Older drivers may qualify for better auto insurance rates for FCX coverage.
- Multiple Policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
It’s important to note that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.
Free Auto Insurance Quotes
Most companies allow you to get pricing on the web. Obtaining pricing is pretty painless as you just enter your coverage preferences into the quote form. When the form is submitted, the system automatically orders information on your driving record and credit history and returns pricing information based on many factors.
Quoting online streamlines rate comparisons, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to do this if you want to find the lowest possible prices on auto insurance.
Compare rates the easy way
The quickest way to lower your auto insurance bill utilizes a single form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much simpler. As soon as the form is sent, it gets priced and you can choose any of the quote results. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.
In order to compare pricing, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy your coverages exactly as they are listed on your policy. Doing this guarantees you will receive rate comparison quotes based on identical coverages.
Situations that might require an agent
When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.
These are some specific questions might point out whether your personal situation could use an agent’s help.
- Who is covered by my policy?
- Do I have coverage if my license is suspended?
- At what point should I drop full coverage?
- How can I get high-risk coverage after a DUI?
- Will my rates increase for filing one claim?
- Do I need motorclub coverage?
- When should my teen driver be added to my policy?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Do I have coverage when making deliveries for my home business?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
And the best car insurance company is…
You just learned a lot of information how to save on Honda FCX insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with the least-expected company.
Drivers leave their current company for many reasons like unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even poor customer service. Whatever your reason, finding a great new company is actually quite simple.
When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
