Cheaper 2017 Honda HR-V Insurance Quotes

Locating low-cost insurance for a new or used Honda HR-V can be difficult, but you can use the following methods to save time. There is a better way to compare auto insurance rates so you’re going to learn the quickest way to compare rates on a Honda and locate the cheapest rates from local insurance agents and online providers.

Don’t overlook these insurance discounts

Some insurance providers don’t always list the complete list of policy discounts very clearly, so the next list breaks down some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Professional Organizations – Participating in qualifying clubs or civic groups is a good way to get lower rates when shopping for insurance.
  • Multiple Cars – Buying a policy with several vehicles with the same company qualifies for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
  • Waiver for an Accident – Not a discount per se, but a few companies such as Allstate and Geico may permit one accident before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Military Discounts – Having a family member in the military could mean lower rates.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large insurance companies and their possible discounts are outlined below.

  • State Farm has savings for multiple autos, anti-theft, multiple policy, defensive driving training, driver’s education, and good student.
  • Esurance may have discounts that include good driver, multi-policy, anti-theft, online shopper, Switch & Save, homeowner, and Pac-12 alumni.
  • Progressive offers discounts for multi-policy, multi-vehicle, online signing, online quote discount, homeowner, good student, and continuous coverage.
  • Liberty Mutual may offer discounts for newly retired, new move discount, preferred payment discount, multi-car, new vehicle discount, and hybrid vehicle.
  • Auto-Owners Insurance discounts include group or association, anti-lock brakes, multi-policy, company car, safe vehicle, and multiple vehicles.
  • Geico offers discounts including multi-policy, driver training, multi-vehicle, emergency military deployment, air bags, membership and employees, and good student.

Before purchasing a policy, check with each company how you can save money. Discounts may not be available in every state. If you would like to view insurance companies that offer many of these discounts, click here to view.

How much is insurance coverage?

Comparing insurance coverage rates can take time and effort if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could save time and use online quotes for quick rates.

Many insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company returns a rated price determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The single downside to doing it this way is you can’t choose the companies to get quotes from. So if you want to select individual companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just ensure you’re using apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing different liability limits then you won’t be able to find the best deal for your Honda HR-V.

Get more affordable insurance premiums by understanding these factors

Part of the insurance coverage buying process is learning some of the factors that help determine the price you pay for insurance coverage. When consumers understand what determines premiums, this helps enable you to make changes that could help you find big savings. Many factors are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating.

The list below includes some of the most common factors used by companies to determine your premiums.

  • Safer cars that cut rates – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
  • Consolidate and save – Many insurance coverage companies allow discounts to buyers that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to guarantee you are still saving the most.
  • Insurance rates in urban areas – Residing in less populated areas of the country can save you money if you are looking for the lowest rates. Fewer people means less chance of accidents. People who live in big cities have to deal with more auto accidents and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Avoid tickets and save – A bad driving record impacts premiums far more than you think. Even one ticket could increase your next policy renewal by as much as twenty percent. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. People who have serious citations such as DUI or willful reckless driving might be required by their state to complete a SR-22 with their state in order to keep their license.
  • Battle of the sexes – Statistics have proven females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Females and males get in at-fault accidents at a similar rate, but the men tend to have higher claims. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Claim-free discounts can add up – Companies give better rates to people who are not frequent claim filers. If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the large, substantial claims.

When to get professional advice

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • What is no-fault insurance?
  • Is my babysitter covered when using my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my car insurance cover rental cars?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Can switching companies really save?

Consumers can’t get away from ads that claim the lowest car insurance rates by companies like State Farm, Geico and Progressive. They all seem to make the same claim that drivers will save a bundle if you switch your coverage.

How does every company charge you less for car insurance? It’s all in the wording.

Companies have specific guidelines for the driver that is profitable for them. For instance, a preferred risk may need to be over the age of 35, has no tickets, and does not commute to work. A driver who fits those characteristics will get very good rates and will save some money.

Potential insureds who don’t meet these stringent criteria will have to pay a higher premium which usually ends up with business going elsewhere. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that kind of money. That’s the way companies can lure you into getting a quote. Each company has different criteria, so you absolutely need to get a wide range of price quotes. It’s not possible to predict which insurance coverage company will have better rates than you’re paying now.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for chiropractic care, nursing services, ambulance fees and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage protection

This covers damage to your HR-V caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, a broken windshield, theft and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda HR-V.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

A tidy conclusion

People switch companies for many reasons like questionable increases in premium, delays in paying claims, unfair underwriting practices or not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

Some insurance providers do not offer internet price quotes and these smaller companies prefer to sell through independent insurance agents. Budget-friendly insurance coverage is possible from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from.

We just covered quite a bit of information on how to lower your 2017 Honda HR-V insurance car insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding affordable auto insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

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