2014 Honda CR-Z Car Insurance Quotes

Are you tired of scraping the payment together to insure your Honda every month? You are no different than many other consumers. Since vehicle owners have many companies and agents to choose from, it’s nearly impossible to locate the cheapest insurer.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Drivers just need to learn how to shop online.

Ways to get auto insurance price quotes

Finding low cost auto insurance prices is actually quite simple. You just have to take the time comparing rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The best way to get quotes is an all-inclusive rate comparison click to view form in new window. This quick form keeps you from doing separate quotes for every prospective company. One simple form will return quotes from several companies.
  • A less efficient way to analyze rates requires a trip to each company website and go through the quote process again. For example, let’s assume you want to see prices from State Farm, Esurance and American Family. To get each rate you have to go to each individual site and enter your policy data, which can take a lot of time.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming method to find lower rates is going to insurance agencies in your area. The ability to quote online eliminates this option unless you want the trained guidance of a licensed agent. Drivers can find lower rates online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, ensure you’re using apples-to-apples coverage data with each company. If each company quotes different deductibles it will be nearly impossible to find the best deal for your Honda CR-Z.

What affects Honda CR-Z insurance prices?

The best way to find cheaper car insurance is to take a look at the rating factors that help calculate car insurance rates. If you understand what determines premiums, this enables you to make decisions that could result in better car insurance rates.

The itemized list below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Having a spouse equates to better costs – Walking down the aisle can actually save you money compared to being single. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Comp and collision deductibles are a factor – Coverage for physical damage, aka comp and collision, covers your vehicle from damage. Some coverage claims are colliding with a building, hitting a deer, or theft. Deductibles for physical damage tell how much you are required to spend if a claim is determined to be covered. The more damage repair cost the insured is willing to pay, the less money you will pay for car insurance for CR-Z coverage.
  • Companies want multiple policies – Lots of insurance companies will award better rates to policyholders that buy multiple policies. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find lower rates by insuring with multiple companies.
  • Tickets inflate prices – Being a careful driver impacts premiums far more than you think. Careful drivers get better rates than people who have multiple driving citations. Having just one speeding ticket or other violation can bump up the cost by as much as thirty percent. Drivers who have careless violations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state’s licensing department in order to legally drive.

You may qualify for discounts

Companies do not advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known credits available to you.

  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Senior Citizen Discount – Seniors may receive better car insurance rates for CR-Z coverage.
  • No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without getting socked with a rate hike if you are claim-free before the accident.
  • New Car Discount – Buying car insurance coverage on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
  • Professional Organizations – Being a member of a qualifying organization could qualify you for a break on car insurance.
  • No Claims – Insureds who avoid accidents and claims can save substantially compared to bad drivers.

Discounts lower rates, but some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that have these money-saving discounts are:

Double check with all companies you are considering which discounts they offer. A few discounts might not apply in your area.

There’s no such thing as the perfect auto insurance policy

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • Is motorclub coverage worth it?
  • Is my trailer covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I sign the liability waiver when renting a car?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find 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 may give you better protection.

Car insurance 101

Knowing the specifics of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Honda CR-Z.

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

Collision – Collision coverage covers damage to your CR-Z resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses like dental work, chiropractic care, pain medications, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage – Liability insurance can cover damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, emergency aid, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive car insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from getting keyed, a broken windshield and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a penny pincher

We just covered quite a bit of information on how to get a better price on 2014 Honda CR-Z insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising. They can often provide lower prices in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

When shopping online for auto insurance, do not reduce coverage to reduce premium. In many instances, an insured dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

Additional information is located at the links below