Lower Your 2015 Honda CR-Z Insurance Rates

Want the cheapest insurance rates? Drivers have lots of choices when trying to find low-cost Honda CR-Z insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to compare insurance rates and you need to know the best way to price shop coverage for a Honda and locate the best price possible.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to save some money using these techniques. Drivers just need to know the most effective way to shop on the web.

Honda CR-Z insurance rates have many determining factors

Smart consumers have a good feel for the factors that help determine your insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in big savings.

The following are some of the factors companies use to determine premiums.

  • Don’t let your coverage lapse – Letting your insurance expire is a quick way to bump up your insurance coverage costs. Not only will you pay more, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying when buying insurance coverage. Things like roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Discounts for multiple policies – The majority of insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.

Quick Car Insurance Quotes

There are a lot of ways you can shop for car insurance and some are more efficient than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use the web for quick rates.

Many companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a rated price based on that data. This eliminates the need for quote forms for each company you want a rate for.

To get comparison pricing now click to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly which providers to get pricing from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using exactly the same coverage information for every quote you compare. If you enter mixed coverages you will not be able to make an equal comparison.

How to reduce 2015 Honda CR-Z insurance rates

Companies that sell car insurance don’t necessarily list all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden ways to save on insurance. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Memberships – Being a member of a civic or occupational organization could trigger savings on your policy on CR-Z insurance.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on CR-Z insurance than less cautious drivers.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.

Consumers should know that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers who offer insurance discounts, click here.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions could help you determine whether you will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage on my 2015 Honda CR-Z?
  • When would I need additional glass coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability coverage do I need in my state?
  • Do I need more liability coverage?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Honda CR-Z.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like funeral costs, dental work, hospital visits, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hitting a deer, hitting a bird, damage from flooding and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your CR-Z caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Buy online or local, you save

We just covered many ideas to lower your 2015 Honda CR-Z insurance rates. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Cheap insurance is possible both online and with local 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 a quote online and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, do not buy poor coverage just to save money. There have been many situations where an insured dropped physical damage coverage to discover at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

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