2013 Honda CR-Z Insurance Quotes

Scraping up a payment for overpriced Honda CR-Z insurance can drain your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Insurance companies such as Allstate, Progressive and Geico promote their brand names with ad campaigns and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Finding affordable coverage is quite easy. Nevertheless, consumers do need to understand how the larger insurance companies price insurance differently and apply this information to your search.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but less common discounts must be asked for before you will receive the discount.

  • Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums on CR-Z coverage.
  • Low Mileage – Fewer annual miles on your Honda can earn lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance policy, you won’t be that lucky. But all discounts will reduce the cost of coverage.

A partial list of companies that possibly offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not be offered everywhere.

Car Insurance Quote Comparison

The are a couple different ways of comparing rate quotes from local car insurance companies. The recommended way to compare 2013 Honda CR-Z insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating separate quotes to each individual car insurance company. One form submission gets rate comparisons from multiple companies.
  2. A more time consuming way to obtain and compare quotes online requires visiting the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare rates from Geico, Esurance and State Farm. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The hardest method of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a licensed agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles for each price quote. If you enter mixed coverages it’s impossible to find the best deal for your Honda CR-Z. Just a small difference in insurance coverages could mean much higher rates. Just remember that comparing more company’s prices provides better odds of finding a lower rate.

When should I talk to an agent?

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need an umbrella policy?
  • Is motorclub coverage worth it?
  • Do all my vehicles need collision coverage?
  • Can I drive in Mexico and have coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why do I need rental car insurance?
  • Why am I required to buy liability insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, hospital visits, doctor visits and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2013 Honda CR-Z.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Liability car insurance

This coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, bail bonds, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision coverage

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

Collision coverage pays for claims such as sideswiping another vehicle, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

In Summary

Low-cost 2013 Honda CR-Z insurance can be found both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, someone dropped full coverage only to regret at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

More detailed car insurance information is available in these articles: