Compare Honda Element Insurance Quotes in Los Angeles

Insurance rates Honda Element in Los AngelesPricey auto insurance in Los Angeles can empty your budget and force you to prioritize other expenses. Performing a price comparison is free and is an excellent way to tighten up your finances.

Anyone knows that auto insurance companies want to keep you from comparing rates. Insureds who shop for lower rates will presumably buy a new policy because they have good chances of finding a policy with more affordable rates. A recent survey found that drivers who routinely compared quotes saved $3,400 over four years compared to people who never compared prices.

If finding the most affordable insurance is why you’re here, then having some insight into how to find companies and compare cheaper coverage can save time, money, and frustration. Many insurers compete for your insurance dollar, and it can be difficult to compare rates to find the absolute best rates possible on Honda Element insurance in Los Angeles.

If you have coverage now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still have adequate protection. Locating the best rates in Los Angeles is actually not that difficult if you follow our advice. Drivers only need an understanding of the most time-saving way to compare price quotes from many different companies online.

The companies in the list below provide comparison quotes in California. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.

Rates and statistics

The rate table displayed below highlights estimates of insurance rates for Honda Element models. Understanding more about how insurance quotes are determined can help drivers make decisions when shopping around.

Honda Element Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Element LX 2WD $278 $464 $442 $26 $132 $1,342 $112
Element LX 4WD $278 $464 $442 $26 $132 $1,342 $112
Element EX 2WD $278 $464 $442 $26 $132 $1,342 $112
Element EX 4WD $278 $464 $442 $26 $132 $1,342 $112
Element SC 2WD $278 $464 $442 $26 $132 $1,342 $112
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in your specific Los Angeles location which can modify prices considerably.

The illustration below illustrates how your choice of deductibles and can change Honda Element insurance premiums for different age groups. The premium estimates are based on a single female driver, full coverage, and no policy discounts are applied.

Insurance rate increases from tickets or accidents

The information below highlights how speeding tickets and fender-benders can drive up Honda Element insurance premiums for different age categories. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Full coverage rates compared to liability-only

The information below shows the difference between Honda Element insurance prices with and without full coverage. The data is based on a clean driving record, no claims, $250 deductibles, marital status is single, and no other discounts are factored in.

When to switch to liability coverage only

There is no set guideline to drop comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Honda Element replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If premium cost is more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Determine discounts on Los Angeles auto insurance

Auto insurance can be pricey, but there could be significant discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but a few need to be asked for before they will apply.Save money with discounts

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts should definitely cut the amount you pay for coverage.

The example below illustrates the comparison of Honda Element insurance prices with and without some available policy discounts. The rates are based on a female driver, no claims or violations, California 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 safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.

Auto insurance companies that may include many of the previously listed discounts possibly include:

When getting a coverage quote, ask each company which discounts they offer. Discounts might not apply in Los Angeles. If you would like to choose from a list of companies who offer online Honda Element insurance quotes in Los Angeles, follow this link.

Insurance does more than just protect your car

Even though it’s not necessarily cheap to insure a Honda in Los Angeles, paying for insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of buying insurance more than cancel out the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying more than $750 every year so compare rates at every policy renewal to make sure the price is not too high.

How much car insurance do I need?

Keep in mind that when it comes to choosing coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Everyone’s needs are different.Drive safe and save

For example, these questions may help you determine if you will benefit from professional help.

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t I need to get advice from an agent?

A lot of people would rather sit down with an agent. Most agents can help determine the best coverages and will help you if you have claims. One of the benefits of comparing auto insurance online is you can get lower rates and still choose a local agent. Buying from and supporting small agencies is important particularly in Los Angeles.

Insurance agency in Los AngelesBy using this form (opens in new window), the quote information is instantly submitted to agents in your area that give free quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork since price quotes are sent to your email. If you have a need to get a rate quote from one company in particular, you would need to find their quoting web page to submit a rate quote request.

If you need to find a local Los Angeles insurance agency, there are a couple of different types of agencies to choose from. Auto insurance policy providers can either be independent or exclusive depending on the company they work for. Either can do a good job, but it is a good idea to know how they are different since it could factor into the type of agent you choose.

Independent Auto Insurance Agencies or Brokers

Independent agencies are normally appointed by many insurers so they can write business with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house without you having to go to a different agency. When comparing rates, you should always contact at a minimum one independent agency to get the best comparison.

Featured below is a list of independent insurance agents in Los Angeles who may provide free auto insurance quotes.

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

3101 Silver Lake BlvdLos Angeles, CA 90039(323) 667-9180View Map

11150 W Olympic Blvd # 1100Los Angeles, CA 90064(310) 857-5757View Map

More Los Angeles agents

Exclusive Auto Insurance Agencies

Exclusive agents normally can only provide a single company’s rates and some examples include State Farm or Allstate. Exclusive agents cannot compare rates from other companies so you might not find the best rates. They are usually quite knowledgeable on their products and sales techniques which aids in selling service over price.

Below are Los Angeles exclusive agencies that are able to give price quotes.

1990 Westwood Blvd #100Los Angeles, CA 90025(310) 234-9600View Map

12245 California Route 2Los Angeles, CA 90025(310) 826-8700View Map

5858 N Figueroa St aLos Angeles, CA 90042(323) 478-9346View Map

More Los Angeles agents

Picking an insurance agency shouldn’t rely on just the bottom line cost. Here are some questions you should ask.