Compare 2012 Honda CR-Z Car Insurance Quotes

Want cheaper insurance coverage rates for your Honda CR-Z? Insurance shopping is not a chore people enjoy, but it’s required in every state before you can go for a ride.

You should make it a habit to compare rates once or twice a year because rates fluctuate regularly. Even if you got the best rates for CR-Z coverage on your last policy a different company probably has better rates today. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some proven techniques to stop overpaying for insurance.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will be able to cut costs considerably using these methods. But vehicle owners do need to understand the methods companies use to sell insurance online and use this information to your advantage.

Free Quotes for Auto Insurance

There are several ways to get quotes from different insurance companies. One of the best ways to find the cheapest 2012 Honda CR-Z insurance rates consists of shopping online. This is very easy and can be done in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. Just one form will return quotes from auto insurance companies with the best prices. Just one form and you’re done.

A more difficult way to obtain and compare quotes online requires a visit to each company website to request a price quote. For examples sake, we’ll assume you want to compare Progressive, Safeco and Geico. You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you are comparing exactly the same coverages for each price quote. If you enter different values for each quote it will be very difficult to find the best deal for your Honda CR-Z. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, more quotes gives you a better chance of getting better pricing.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known discounts you could be receiving.

  • Driver Safety – Completing a driver safety course could save 5% or more depending on where you live.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for CR-Z coverage with select insurance companies.
  • No Charge for an Accident – A few companies permit an accident before your rates go up if you are claim-free prior to the accident.

Consumers should know that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies with discount insurance coverage rates, follow this link.

Situations that might require an agent

When it comes to buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Am I covered if I crash into my own garage door?
  • When should my teen driver be added to my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What if I total my 2012 Honda CR-Z and owe more than it’s worth?
  • When should I remove comp and collision on my 2012 Honda CR-Z?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What are the financial responsibility laws in my state?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Specifics of your car insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, fire damage, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This will pay to fix damage to your CR-Z resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, prosthetic devices, chiropractic care, ambulance fees and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda CR-Z.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Saving money makes a lot of cents

Consumers leave their current company for any number of reasons including unfair underwriting practices, high rates after DUI convictions, high prices or delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.

We’ve covered a lot of techniques to lower your 2012 Honda CR-Z insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Cost effective insurance is possible on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

More information can be read on the following sites: