2017 Honda HR-V Car Insurance Quotes

Finding low-cost insurance for a Honda HR-V can be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to compare rates for a new or used Honda and obtain the lowest possible price.

Smart consumers take time to do rate comparisons occasionally because car insurance prices are constantly changing. Despite the fact that you may have had the lowest price on HR-V insurance two years ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to quote online to save money, get proper coverage and the best rates.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Drivers only need an understanding of how to get comparison quotes on the web.

Informed drivers know how to find insurance coverage cheaper

Many different elements are considered when premium rates are determined. Some are pretty understandable like your driving record, but some are less obvious such as whether you are married and annual miles driven.

  • Prices and your address – Residing in smaller towns and rural areas of the country has definite advantages when talking about insurance coverage. Residents of big cities regularly have more road rage incidents and higher rates of accident claims. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft.
  • Drive a safer car and pay less – Safer cars tend to have lower insurance rates. These vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies which can mean better rates for you.
  • Get hitched and pay lower rates – Your spouse can get you a discount when buying insurance coverage. Having a spouse demonstrates that you tend to be more mature and insurance companies like that drivers who are married file infrequent claims.
  • When should you not file a insurance claims? – Auto insurance companies give cheaper rates to drivers who are claim-free. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is intended for claims that you cannot pay yourself.
  • Do you qualify for a multi-policy discount? – Lots of companies give a discount to people who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, you may still want to get quotes from other companies to help ensure you have the lowest rates. Drivers may still save more without the discount even if you insure with multiple companies
  • Premiums increase with policy add-ons – Policies have extra add-on coverages that can add up if you don’t pay attention. Add-on coverages like rental car reimbursement, better glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Find discounts on auto insurance

Companies do not advertise all possible discounts very clearly, so below is a list both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Policy Bundle Discount – If you can combine your home and auto policy with one company you could save as much as 10 to 15 percent.
  • Driver Training Discounts – Taking a defensive driver class could earn you a small percentage discount if your company offers it.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better auto insurance rates on HR-V insurance.
  • No Accidents – Good drivers with no accidents have much lower rates compared to bad drivers.
  • Active Military Service – Having a family member in the military could be rewarded with lower rates.
  • Switch and Save Discount – Select insurance companies give a discount for switching to them before your current expiration date. This discount can save up to 10%.
  • Membership in Organizations – Having an affiliation with a qualifying organization can get you a small discount on auto insurance.
  • Cautious Driver Discount – Insureds without accidents may save up to 50% more on HR-V insurance than drivers with accident claims.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.

Don’t be shocked that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurers who offer cheap auto insurance quotes, follow this link.

Why you might not save $417 a year

Consumers can’t escape the ads for insurance coverage savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to convey the message that you’ll save big if you move your policy.

Is it even possible that every company can give you a better price? You have to listen carefully.

Different companies have strict underwriting profiles for the driver that earns them the highest profit. For example, a profitable customer could be between the ages of 30 and 50, carries high limits, and has a high credit rating. A propective insured who matches those parameters gets the lowest prices and will probably cut their rates substantially.

Consumers who fall outside these stringent criteria will probably be forced to pay more expensive rates which results in the customer not buying. Company advertisements say “customers that switch” not “everyone who quotes” save that kind of money. That’s why companies can truthfully make those claims. Because of these techniques, you need to get price quotes at each policy renewal. It is impossible to guess which insurance companies will provide you with the cheapest car insurance rates.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if hit by an uninsured driver?
  • Is my trailer covered?
  • When should my teen driver be added to my policy?
  • Am I covered if I hit a deer?
  • What is roadside assistance coverage?
  • What exactly is covered by my policy?
  • What is UM/UIM insurance?
  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as dental work, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

This will cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, attorney fees, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2017 Honda HR-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

One last thing about your coverage

Lower-priced 2017 Honda HR-V insurance is definitely available from both online companies and with local insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance coverage companies don’t offer the ability to get quotes online and these regional insurance providers provide coverage only through independent agents.

People who switch companies do it for any number of reasons including policy non-renewal, delays in paying claims, questionable increases in premium and even denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

You just read many ideas to shop for 2017 Honda HR-V insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with some of the smallest insurance companies.

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