2013 Honda CR-Z Insurance Quotes – 7 Tricks for Best Rates

Have you had enough of robbing Peter to pay Paul to pay insurance each month? You have the same problem as many other drivers.

You have so many insurers to insure vehicles with, and although it’s nice to be able to choose, so many choices can make it hard to compare company pricing.

How to find cheap auto insurance

There are a lot of ways you can shop for auto insurance but one way is less labor-intensive and much quicker. You could waste a few hours driving to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and each company can give them a price for coverage. This prevents consumers from doing quote requests for each company. To find out how much you can save on auto insurance click to open in new window.

One minor caviat to doing it this way is you don’t know exactly the providers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, be certain you are entering exactly the same coverage data on every quote. If you enter different deductibles it will be impossible to make a fair comparison for your Honda CR-Z. Even a minor difference in insurance coverages could skew the results. And when comparison shopping, comparing a wide range of rates gives you a better chance of getting better pricing. Some companies don’t provide quotes online, so you also need to get prices from those companies as well.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Why am I required to buy liability insurance?
  • Do I need replacement cost coverage on my 2013 Honda CR-Z?
  • Do I pay less for low miles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage specifics

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for ambulance fees, chiropractic care, rehabilitation expenses, pain medications 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. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

This pays for damage to your CR-Z resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, hitting a parking meter, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like rock chips in glass, fire damage and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2013 Honda CR-Z.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.