We don’t have to tell you that insurance companies don’t want you to look for a cheaper policy. Insureds who shop around will most likely move their business because they stand a good chance of finding a lower-priced company. A recent survey discovered that drivers who make a habit of shopping around saved as much as $865 a year compared to drivers who don’t regularly compare prices.
If finding budget-friendly car insurance is your objective, then having some knowledge of how to choose a company and compare auto insurance can save time and money.
Truthfully, the best way to get affordable Honda Clarity insurance in Fresno is to make a habit of comparing prices annually from insurers in California.
- Try to learn a little about individual coverages and the measures you can control to drop your rates. Many risk factors that cause high rates such as accidents, traffic violations, and poor credit history can be rectified by making minor driving habit or lifestyle changes.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
- Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you can save some money and make a switch, verify that coverage does not lapse between policies.
- Give notification to your current company to cancel your current car insurance policy. Submit a signed application and payment to the newly selected company. As soon as you have the new policy, keep your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One tip to remember is to make sure you enter identical coverage information on each quote and and to get rate quotes from every insurance company. This helps ensure a fair price comparison and the best price quote selection.
The quickest way to compare policy rates for Honda Clarity insurance in Fresno is to know all the major auto insurance companies will pay a fee to give rate comparisons. All consumers are required to do is provide a little information such as if a SR-22 is required, types of safety features, driver details, and coverage limits. Your rating data is instantly sent to many of the top insurers and they provide comparison quotes with very little delay.
To check Honda Clarity insurance prices now, click here then complete the form.
The companies shown below offer price comparisons in California. If you wish to find cheap car insurance in Fresno, we recommend you compare several of them to find the cheapest car insurance rates.
Insuring your Honda vehicle just makes sense
Despite the high cost, paying for auto insurance is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Clarity has a lienholder, almost every bank will require you to buy full coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Honda at a more expensive rate and force you to pay the higher premium.
- Auto insurance protects your Honda Clarity and your assets. It will also cover medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the cost, especially for larger claims. An average driver in America is wasting up to $825 a year so compare rate quotes once a year at a minimum to ensure rates are competitive.
Why Informed Drivers Pay Less for Honda Clarity Insurance
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help determine car insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower car insurance prices.
Don’t let your car insurance policy lapse – Allowing your coverage to lapse is a fast way to trigger a rate increase. In addition to paying higher rates, failure to provide proof of insurance might get you fines and jail time.
Insurance rates and vehicle performance – The performance of the vehicle you own makes a substantial difference in your premium level. The most favorable rates tend to be for the lowest performance passenger cars, but your final cost has many other factors.
Men drivers tend to cost more – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. Men and women are responsible for fender benders in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident so they pay the highest premiums.
Deter car thieves – Buying a car that has a built-in theft deterrent system can save you some money. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Does your vocation cost you more? – Do you work in a high-stress field? Occupations such as military personnel, architects, and stock brokers usually pay the highest average rates because of intense work-related stress and extremely grueling work hours. Conversely, careers such as farmers, athletes and performers pay the least.
Premiums drop with age – Mature drivers are more responsible, statistically cause fewer accidents, and usually have better credit. Youthful drivers are statistically proven to be inattentive behind the wheel so they pay higher car insurance rates.
Discounts mean cheaper rates for Honda Clarity insurance in Fresno
Not many people think insurance is cheap, but you may be missing some discounts that may help make it more affordable. Some of these discounts will be visible at the time of purchase, but some may not be applied and must be manually applied in order for you to get them. If you’re not getting every credit possible, you are paying more than you should be.
- Drivers Ed for Students – Teen drivers should take driver’s ed class in high school.
- Senior Citizen Discount – Mature drivers can possibly qualify for a discount up to 10%.
- Online Discount – Many larger companies provide a small discount shop Fresno auto insurance digitally online.
- Use Seat Belts – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
- Military Discounts – Having a family member in the military could qualify you for better prices.
- Resident Student – Children who are attending college without a vehicle on campus can receive lower rates.
It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.
A few popular companies and a partial list of their discounts are detailed below.
- GEICO policyholders can earn discounts including good student, federal employee, driver training, multi-vehicle, and multi-policy.
- MetLife offers premium reductions for good driver, claim-free, good student, multi-policy, defensive driver, accident-free
- State Farm may have discounts that include anti-theft, accident-free, safe vehicle, defensive driving training, and student away at school.
- Progressive may offer discounts for online signing, multi-policy, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- Mercury Insurance has savings for anti-theft, multi-policy, annual mileage, good driver, and location of vehicle.
- 21st Century offers discounts for automatic seat belts, 55 and older, air bags, defensive driver, good student, and driver training.
- Allstate has discounts for safe driver, good student, farm vehicle, teenSMART discount, premier discount, and eSmart discount.
If you are trying to find affordable Honda Clarity insurance quotes, ask each company which discounts you may be entitled to. A few discounts may not be offered in every state. If you would like to choose from a list of insurance companies that offer the discounts shown above in Fresno, follow this link.
Shop online but buy locally
Many people just prefer to get professional advice from a licensed agent and doing so can bring peace of mind Professional agents will help you protect your assets and help you file claims. A good thing about getting online price quotes is that drivers can save money and get cheap insurance rates and still have an agent to talk to.
Upon completion of this quick form, the quote information is submitted to companies in Fresno who will give you quotes for your insurance coverage. You won’t need to contact any insurance agencies as quotes are delivered to you instantly. In the event you want to get a rate quote from a specific insurance company, you just need to go to their quote page and complete a quote there.
Finding the right provider needs to be determined by more than just the bottom line cost. These are some valid questions you should ask.
- Who is covered by the car insurance policy?
- Do they make recommendations based only on price?
- What are their preferred companies if they are an independent agency?
- Which insurance company do they prefer to write with?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any extra charges for paying monthly?
Below is a list of auto insurance companies in Fresno that may be willing to give price quote information for Honda Clarity insurance in Fresno.
- James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722 – View Map - Pan American Insurance Agency
7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272 – View Map - Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777 – View Map - Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 – View Map
Do the work, save more money
You just read a lot of tips how to compare Honda Clarity insurance car insurance rates in Fresno. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates come from a company that doesn’t do a lot of advertising.
Insureds leave their current company for a number of reasons such as policy cancellation, lack of trust in their agent, poor customer service or even delays in responding to claim requests. Whatever your reason, finding a great new company can be less work than you think.
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. Your objective should be to find the BEST coverage at the best possible price and still be able to protect your assets.
Additional insurance information is available below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Auto Insurance for Homeowners in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for First-time Drivers? (FAQ)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has Affordable Fresno Auto Insurance Rates for Drivers Over Age 60? (FAQ)
- Who Has Affordable Fresno Auto Insurance for Teenage Females? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Collision Insurance Coverage (Nationwide)