How many times have you put off comparing quotes for more competitive Honda Element insurance in Houston? Trying to find better insurance prices for your Honda Element in Texas could be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to find auto insurance online and you need to know the best way to get price quotes for a new or used Honda and find the lowest possible price from both online companies and Houston agents.
Smart consumers take time to quote other rates quite often because prices fluctuate regularly. Just because you found the lowest price on Honda Element insurance in Houston a year ago you can probably find a lower rate today. There is too much inaccurate information about Element insurance online but in this article, you’re going to get some of the best techniques to lower your auto insurance rates in Houston.
If you’re already insured or just want to save money, take advantage of these tips to cut your premiums and still have adequate protection. Locating the lowest cost policy in Houston is not as hard as you may think. Shoppers just need to use the proper methods to compare price quotes from many different companies online.
Affordable Honda insurance prices in Houston
The companies in the list below are ready to provide price comparisons in Houston, TX. If multiple companies are listed, it’s highly recommended you visit several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $230 | $422 | $366 | $22 | $110 | $1,150 | $96 |
| Element LX 4WD | $140 | $260 | $358 | $22 | $108 | $888 | $74 |
| Element EX 2WD | $206 | $412 | $430 | $26 | $128 | $1,202 | $100 |
| Element EX 4WD | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| Element SC 2WD | $174 | $352 | $496 | $30 | $148 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can change insurance rates greatly.
Where to set your deductibles
When buying auto insurance, a common question is where should you set your physical damage deductibles. The comparisons below can help you visualize the rate difference between low and high deductibles. The first set of prices uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Element LX 4WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Element EX 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Element EX 4WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Element SC 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Element LX 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Element EX 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Element EX 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Element SC 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle location which can lower or raise premium rates considerably.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $14 more each month or $168 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 18 months between claim filings, you would probably come out ahead if you elect the higher deductible.
How accidents and tickets impact rates
The illustration below highlights how speeding tickets and at-fault claims can affect Honda Element insurance rates for each different age category. The rate quotes are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Affordable rates on Honda Element insurance in Houston with these discounts
Auto insurance is not an enjoyable expense, but there are discounts available that many people don’t even know exist. Certain reductions will be credited at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.
- Drive Less and Save – Driving fewer miles could qualify for slightly better premium rates than normal.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
- Passive Restraint Discount – Vehicles equipped with air bags could see savings of more than 20%.
- Auto/Home Discount – If you insure your home and vehicles with one company you could save approximately 10% to 15%.
- Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper since new vehicles have better safety ratings.
- Early Switch Discount – Some companies give discounts for buying a new policy prior to your current Element insurance policy expiration. It can save you around 10%.
- Student in College – Children who live away from home to go to college without a vehicle on campus can receive lower rates.
As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. The majority will only reduce individual premiums such as comp or med pay. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.
A list of companies and some of the discounts are outlined below.
- State Farm policyholders can earn discounts including driver’s education, student away at school, good student, multiple policy, multiple autos, and safe vehicle.
- GEICO offers premium reductions for membership and employees, defensive driver, air bags, multi-policy, anti-theft, and good student.
- Progressive includes discounts for online quote discount, continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.
- 21st Century offers discounts including 55 and older, early bird, driver training, defensive driver, student driver, teen driver, and air bags.
- American Family discounts include bundled insurance, good driver, air bags, TimeAway discount, and mySafetyValet.
- The Hartford may have discounts that include vehicle fuel type, driver training, air bag, good student, defensive driver, anti-theft, and bundle.
- AAA may include discounts for multi-policy, education and occupation, multi-car, good student, anti-theft, AAA membership discount, and pay-in-full.
If you need low cost Houston auto insurance quotes, ask every insurance company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your area.
You Can Change Your Insurance Costs
Smart consumers have a good feel for the rating factors that play a part in calculating auto insurance rates. If you know what impacts premium levels, this allows you to make educated decisions that could result in lower auto insurance prices.
Do you qualify for a multi-policy discount? – Many companies will give lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare Honda Element rates in Houston to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by splitting coverages up.
Do safer cars cost less to insure? – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce occupant injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Honda Element has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Cheaper rates with high comp and collision deductibles – Your deductibles are the amount of money you are required to spend if a claim is determined to be covered. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of some claims that would be covered could be rearending another vehicle, damage caused by hail, and having a roll-over accident. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance.
Allowing your auto insurance policy to lapse raises rates – Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a revoked license or a big fine.
Cautious drivers pay better costs – Having just one chargeable violation can bump up the cost twenty percent or more. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Drivers who have gotten careless citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 to the state department of motor vehicles in order to keep their license.
A good credit rating can save money – Your credit history is a big factor in determining your rates. Insureds with good credit tend to be more responsible than drivers with poor credit scores. If your credit rating can use some improvement, you could be paying less to insure your Honda Element by taking the time to improve your credit score.
Local neighborhood agents and car insurance
Many drivers still like to get professional advice from a licensed agent and that is not a bad decision Good insurance agents are trained risk managers and help submit paperwork. One of the benefits of price shopping on the web is that drivers can save money and get cheap car insurance quotes but also keep your business local. And supporting small agencies is definitely important in Houston.
For easy comparison, once you complete this short form, your information is emailed to agents in your area who can give free rate quotes for your coverage. It makes it easy because there is no need to contact any agents as quotes are delivered straight to your inbox. If for some reason you want to quote rates from a particular provider, just navigate to their website and fill out their quote form.
When searching for local Houston agents, there are a couple of different types of agencies to choose from. Agents can either be independent or exclusive. Both types can handle car insurance, but it’s important to point out how they are different because it can influence the selection process.
Independent Car Insurance Agencies
These type of agents are not locked into one company and that enables them to quote your coverage through many different car insurance companies depending on which coverage is best. If you want to switch companies, an independent agent can move your coverage which is easy for the insured.
If you are comparing car insurance prices, it’s recommended you get rate quotes from at least one independent agent so that you can do a thorough price comparison. They often place coverage with smaller mutual companies which may have better rates.
Featured below are Houston independent insurance agencies that may be able to provide pricing information.
- Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map - Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map - El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map
Exclusive Agents
These agents normally can only provide a single company’s rates and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to compare rates from other companies so it’s a take it or leave it situation. They receive extensive training on their products and sales techniques which can be an advantage. Consumers often buy insurance from these agents mostly because of loyalty to the company instead of buying on price only.
Shown below are exclusive agents in Houston that are able to give price quote information.
- Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map - Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Deciding on an car insurance agent is decision based upon more than just a cheap price. The answers to these questions are important, too.
- Which members of your family are coverage by the policy?
- Do they see any coverage gaps in your plan?
- Are there any extra charges for paying monthly?
- How long has their agency been open in Houston?
- Is the agency covered by Errors and Omissions coverage?
- Is there a 24/7 contact number?
- Can they provide you with a list of referrals?
- By raising physical damage deductibles, how much would you save?
You can lower your car insurance rates
As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.
You just read many ideas to compare Honda Element insurance premium rates in Houston. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company.
Cost effective Honda Element insurance is available online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get quotes online and these regional insurance providers sell through local independent agencies.
More detailed car insurance information is located by following these links:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for a 20 Year Old Male in Houston? (FAQ)
- How Much are Auto Insurance Rates for High Mileage Drivers in Houston? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Houston? (FAQ)
- How Much are Car Insurance Quotes for Business Use in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for Electric Cars in Houston? (FAQ)
- What Car Insurance is Cheapest for State Employees in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Houston? (FAQ)
- Learn About Car Insurance (GEICO)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)