Lower your Honda Element Rates in Less than Five Minutes
If finding affordable car insurance was easy, most of us would take the time to do it. Unfortunately, it's not always as easy as it sounds to get the best rate. Finding affordable coverage for your Honda Element probably is no different.
Step One: Shop Around
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Thanks to the internet, insurance shopping is a whole lot easier!
You can compare insurance rates for a Honda Element simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Element is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Tricks to Saving Money on Element Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Element.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- SUV's are more complex in design than your average passenger sedan, so expect to pay a little more for insurance.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Buy the Policy That's Right for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If you already have a car insurance policy, then your Honda Element will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Element won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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