How Much Does 2011 Honda CR-Z Insurance Cost?

Scraping up a payment for high-priced Honda CR-Z insurance can sap your funds and force you to make sacrifices. Performing a price comparison is a smart way to lower your bills every month.

Big-name insurance companies like GEICO, 21st Century and Progressive all claim big savings with advertising and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

You should make it a habit to shop coverage around before your policy renews because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on CR-Z coverage on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance because you’re going to get a crash course in how to use the internet to find better rates and still maintain coverage.

The method we recommend to compare insurance rates in your area is to know the fact most insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information such as how many miles driven, if the vehicle is leased, the make and model of your vehicles, and how much education you have. Those rating factors gets sent immediately to multiple companies and you should receive rate quotes instantly.

To get price quotes for your 2011 Honda CR-Z now, click here and complete the quick form.

These discounts can lower your insurance rates

Not too many consumers would say insurance is affordable, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but some need to be asked about before you get the savings. If you do not check that you are getting every discount possible, you could be getting lower rates.

Military Discounts – Having an actively deployed family member may qualify for rate reductions.
Homeowners Pay Less – Being a homeowner can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
Multi-policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could get a discount of up to 20% and get you the cheapest insurance.
ABS Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
Driver Safety – Passing a driver safety course is a good idea and can lower rates depending on where you live.

We need to note that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Companies that have most of the discounts above may include but are not limited to:

When getting free insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your state. To choose insurance companies who offer online insurance quotes, click here to view.

Different people need different auto insurance coverages

When buying coverage, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

Is my babysitter covered when using my vehicle?
Does my car insurance cover rental cars?
Is my dog or cat covered if injured in an accident?
Should I sign the liability waiver when renting a car?
Can I still get insurance after a DUI?
What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy coverages for a Honda CR-Z

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Liability insurance

This protects you from damage that occurs to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims like emergency aid, legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, vandalism, a broken windshield, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses like nursing services, chiropractic care, funeral costs, dental work and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage