Sadly, the vast majority of drivers have stayed with the same insurance company for at least the last four years, and nearly the majority have never compared rates from other carriers. With the average premium in the United States being $1,847, drivers could pocket almost $850 a year just by comparing rates, but they underestimate the actual amount they would save if they just switched companies.
If saving the most money is your goal, then the best way to get more affordable Honda Element insurance is to start comparing prices regularly from providers who sell auto insurance in Tucson. Drivers can shop around by following these guidelines.
- Step 1: Spend a few minutes and learn about the different coverages in a policy and the measures you can take to prevent rate increases. Many policy risk factors that cause high rates like multiple speeding tickets and bad credit can be rectified by being financially responsible and driving safely.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of companies. View rates
- Step 3: Compare the quotes to your current policy to determine if switching companies saves money. If you find a better price and switch companies, make sure there is no lapse in coverage.
- Step 4: Notify your agent or company of your intention to cancel your existing policy and submit a signed application and payment to your new carrier. Once coverage is bound, place your new certificate verifying coverage in an accessible location in your vehicle.
An important part of this process is to use identical coverages on every price quote and and to get quotes from as many auto insurance providers as possible. Doing this enables a fair rate comparison and the best price selection.
Car insurance policy discounts you can’t miss
Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that many consumers don’t even know exist. Many discounts should be triggered at the time you complete a quote, but some need to be asked about prior to getting the savings.
- Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Driving Data Discount – People who choose to allow driving data collection to analyze where and when they drive remotely like Allstate’s Drivewise might get better premium rates if they are good drivers.
- Homeowners Savings – Owning your own home or condo can get you a discount because it shows financial diligence.
- College Student – Kids living away from Tucson attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Good Student – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Discount for Low Mileage – Low annual miles could be rewarded with cheaper prices.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you better rates if you take out some life insurance too.
- ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
- Multi-Vehicle Discounts – Having multiple vehicles on a single policy could earn a price break for each car.
Remember that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.
The example below illustrates the comparison of Honda Element insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-policy, and multi-car discounts applied.
Popular car insurance companies and a summarized list of policyholder discounts include:
- GEICO may have discounts that include daytime running lights, anti-lock brakes, federal employee, air bags, membership and employees, and driver training.
- Travelers offers premium reductions for payment discounts, new car, save driver, multi-policy, multi-car, and IntelliDrive.
- Farm Bureau discounts include safe driver, 55 and retired, youthful driver, renewal discount, driver training, and multi-vehicle.
- Liberty Mutual offers discounts for hybrid vehicle, newly married, exclusive group savings, new vehicle discount, multi-policy, newly retired, and multi-car.
- American Family includes discounts for good student, mySafetyValet, Steer into Savings, early bird, accident-free, and air bags.
- Progressive has savings for multi-policy, continuous coverage, homeowner, multi-vehicle, and good student.
When comparing rates, check with all the companies which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to see a list of insurers with discount rates in Arizona, follow this link.
Many insurance companies allow consumers to get price estimates directly from their websites. Doing online price comparisons for Honda Element insurance in Tucson is quite easy because it’s just a matter of typing in your required coverages as detailed in the form. After the form is submitted, the company’s rating system collects your driving and credit reports and returns a price based on the data you entered.
Quoting online for Honda Element insurance in Tucson makes it simple to compare prices and it’s necessary to do this if you are searching for a better rate.
In order to use this form to compare rates, compare quotes from the companies shown below. If you currently have coverage, we recommend you type in deductibles and limits identical to your current policy. This guarantees you’re receiving a rate comparison for the exact same coverage.
The companies in the list below provide free rate quotes in Arizona. If multiple companies are listed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Rates and data analysis
The information below outlines detailed analysis of insurance policy prices for Honda Element models. Being aware of how insurance prices are figured can benefit drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Element LX 4WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Element EX 2WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Element EX 4WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Element SC 2WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific Tucson garaging location which can increase or decrease rates substantially.
The diagram below illustrates how your choice of deductibles and can influence Honda Element insurance premiums for each age group. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.
Honda Element liability rates compared to full coverage
The illustration below illustrates the comparison of Honda Element premium costs when comparing full coverage to state minimum liability only. The data is based on no violations or claims, $250 deductibles, marital status is single, and no other discounts are factored in.
Deciding between full coverage and liability only
There is no written rule of when to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Honda Element claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying your deductible. If you are paying in excess of $500 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some conditions where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Can’t I compare rate quotes from local Tucson auto insurance agents?
Many drivers prefer to have an agent’s advice and that is not a bad decision The biggest benefit of getting online price quotes is that you can find the best rates and still buy from a local agent.
By using this short form, your information is instantly submitted to companies in Tucson who will gladly provide quotes for your auto insurance coverage. It’s much easier because you don’t need to contact any insurance agencies since price quotes are sent directly to you. You can get cheaper auto insurance rates without having to waste a lot of time. If you want to get a comparison quote from a particular provider, feel free to jump over to their website and give them your coverage information.
Selecting an insurer needs to be determined by more than just a low price. You should also get answers to these questions.
- Which insurance company do they prefer to write with?
- Has the agent ever had any license suspensions?
- Do they carry Errors and Omissions coverage?
- Are aftermarket or OEM parts used to repair vehicles?
- Is coverage determined by price?
- Do they have designations such as AIC, CPCU, or CIC?
- Are all drivers listed on the coverage quote?
- How long have they been in business?
Independent or Exclusive: It’s your choice
If you are searching for a reputable insurance agent or broker, it’s helpful to know the different types of agencies and how they are distinctly different. Insurance agencies in Tucson are classified as either exclusive or independent.
Exclusive Insurance Agencies
Agents of this type generally can only insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training in insurance sales which helps them sell on service rather than price. Consumers sometimes use the same agent primarily because of the brand instead of buying on price only.
Below are Tucson exclusive agents who can help you get price quotes.
- Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map - American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map - Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525 – View Map
Independent Agents (or Brokers)
Agents of this type are not required to write business for one company so they have the ability to put coverage with an assortment of companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to switch agencies. If you need cheaper auto insurance rates, you absolutely need to include a few independent agents to get the best comparison. They also have the ability to place coverage with small regional insurance companies that many times have cheaper rates.
Below is a short list of independent insurance agencies in Tucson who can help you get comparison quotes.
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map - Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map - Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
Don’t give up on affordable premiums
There are still a few companies who may not have price quotes online and most of the time these regional insurance providers only sell through independent agents. More affordable insurance in Tucson can be found both online as well as from insurance agents, so you need to compare both to have the best selection.
You just learned many tips how you can reduce Honda Element insurance rates online in Tucson. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest rates come from the smaller companies.
When shopping online for insurance, never buy poor coverage just to save money. There have been many situations where someone dropped physical damage coverage only to regret they didn’t have enough coverage. The goal is to buy enough coverage at an affordable rate and still be able to protect your assets.
Even more information is available in the articles below:
- Collision Coverage (Liberty Mutual)
- How Much are Car Insurance Quotes for a Nissan Rogue in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Tucson? (FAQ)
- Side Impact Crash Tests (iihs.org)
- State Car Insurance Guides (GEICO)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)