Lower Your 2013 Honda CR-Z Car Insurance Quotes

Looking for lower insurance coverage rates for your Honda CR-Z? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, there are many people just like you. You have multiple insurers to buy insurance from, and even though it’s nice to have a selection, it can be more challenging to find the lowest cost provider.

You should take the time to shop coverage around periodically due to the fact that insurance rates go up and down regularly. Just because you found the lowest rates for CR-Z insurance a couple years back you may be paying too much now. There is a lot of bad advice regarding insurance coverage on the web, but I’m going to show you some tested techniques to slash your insurance coverage rates.

Buying car insurance is easy if you know what you’re doing. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Drivers just need to understand the best way to shop their coverage around online.

Be sure to get all your discounts

Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for CR-Z insurance with certain companies.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Passive Restraints – Factory air bags can receive discounts of 20% or more.
  • Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

To see a list of providers offering car insurance discounts, click this link.

Factors that can influence Honda CR-Z insurance rates

It’s important that you understand some of the elements that go into determining the rates you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better insurance coverage rates.

  • The more you drive the more you pay – The more miles you rack up on your Honda in a year’s time the higher your rates will be. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. Improper usage on your CR-Z can cost quite a bit. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Do you have a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Occupations such as real estate brokers, business owners and stock brokers tend to pay the highest rates because of high stress and lengthy work days. On the other hand, professions such as farmers, students and homemakers have the lowest average rates for CR-Z insurance.
  • Liability coverage protects you – The liability section of your policy will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Extra coverages can waste money – There are a lot of extra bells and whistles that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and membership fees are some examples. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Honda CR-Z earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. Examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay in the event of a claim. The more you’re willing to pay, the less your insurance coverage will be for CR-Z insurance.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I better off with higher deductibles on my 2013 Honda CR-Z?
  • When can my company non-renew my policy?
  • Does my car insurance cover rental cars?
  • What can I do if my company denied a claim?
  • How does medical payments coverage work?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all seem to make an identical promise that you can save if you change your coverage to them.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that earns them a profit. An example of a preferred risk might be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that much money. That is how insurance companies can make those claims. Because of the profiling, it’s extremely important to get as many comparisons as possible. It is impossible to predict which car insurance company will fit your personal profile best.

Parts of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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

Liability insurance covers claims like court costs, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as chiropractic care, hospital visits, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda CR-Z.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Saving money makes a lot of cents

Affordable 2013 Honda CR-Z insurance can be bought on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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