View 2012 Honda CR-Z Insurance Quotes

Being forced to pay for expensive car insurance premiums can dry up your savings and force you to make tough financial choices. Comparison shopping is an excellent way to make ends meet.

Because there are so many options when it comes to car insurance, it can be diffult for drivers to choose a more affordable insurance company.

The purpose of this post is to help you learn the most effective way to quote insurance. If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Although car owners do need to understand the methods companies use to compete online because it can help you find the best coverage.

Lower the price of car insurance with these tips

Many different elements are used when premium rates are determined. Most are fairly basic like your driving record, but others are not quite as obvious like your continuous coverage or your financial responsibility.The best way to find cheaper car insurance is to take a look at some of the things that aid in calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that may result in lower car insurance prices.

  • Never let your car insurance policy lapse – Having a gap between insurance policy dates is a sure-fire way to increase your car insurance rates. In addition to paying higher premiums, getting caught without coverage could result in a steep fine or even jail time.
  • High coverage deductibles equal low rates – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. Your deductibles represent how much money you are required to spend if a claim is determined to be covered. The more of the claim you have to pay, the lower your rates will be on CR-Z coverage.
  • Avoid tickets and save – Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even a single moving violation can boost insurance rates by twenty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Frequent claims will cost you – Companies provide most affordable rates to people who only file infrequent claims. If you file a lot of claims you can look forward to either higher rates or even cancellation. Your insurance policy is designed for more catestrophic claims.
  • Safety first – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.

How to compare free insurance rate quotes

There are several ways to get quotes from lots of insurance companies. The recommended way to lower the rate you pay for 2012 Honda CR-Z insurance consists of shopping online. This is very easy and can be done using a couple different methods.

The simplest way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing separate quotes for each company. Just one form gets coverage cost estimates from multiple low-cost companies.

A more difficult way to compare rate quotes is going to each individual company website and request a quote. For examples sake, we’ll assume you want to compare rates from Progressive, 21st Century and State Farm. You would be required to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but be sure you’re using exactly the same coverages and limits for every company. If you enter different data it will be next to impossible to truly determine the lowest rate. Just slight variations in insurance coverages may cause a big price difference. It’s important to know that comparing all the rates in your area helps improve the odds of finding a lower rate than you’re paying now. Not every company provides online quotes, so it’s important to compare rates from those companies as well.

Buyer beware of insurance coverage advertising tricks

Respected companies like State Farm, Allstate and Geico endlessly run ads in print and on television. They all seem to advertise the message about saving some big amount if you move your insurance coverage policy to them. How does every insurance coverage company charge you less for car insurance? It’s all in the wording.

Companies quote their cheapest rates for the type of insured that earns them the highest profit. A good example of a desirable risk might be described as over the age of 35, has never had a claim, and has excellent credit. Any person who fits that profile will probably get cheap car insurance rates and therefore will save if they switch.

People who are not a match for these standards may be required to pay higher prices and ends up with the customer buying from someone else. The ads say “drivers who switch” not “everyone who quotes” save that much money. That is how insurance companies can make it sound like they have such great prices.

Each company has different criteria, so you really need to quote coverage with many companies. It’s just not possible to know with any certainty which company will be your best fit.

Do you qualify for discounts?

Some insurance providers don’t list all available discounts very clearly, so we break down some of the best known and the harder-to-find credits that may apply to you.

  • Life Insurance – Some insurance carriers give better prices if you take out a life insurance policy as well.
  • Distant Student – Children living away from home attending college and do not have a car can receive lower rates.
  • Smart Student Discounts – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Defensive Driver – Taking time to complete a defensive driving course could cut 5% off your bill depending on where you live.
  • Discounts for Safe Drivers – Drivers who avoid accidents could pay up to 40% less on CR-Z coverage than drivers with accident claims.
  • Government Employee Discount – Active or former government employment can save as much as 8% on CR-Z coverage with certain companies.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may get savings of 25 to 30%.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

Car insurance companies that may offer quotes with most of the discounts above include:

Check with all companies you are considering which discounts you may be entitled to. Savings may not apply to policyholders in every state. To choose providers who offer free auto insurance quotes, follow this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your situation may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my insurance pay for OEM parts?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is a blown tire covered by insurance?
  • Does coverage extend to Mexico or Canada?
  • Do I need an umbrella policy?
  • Am I covered when pulling a rental trailer?
  • Is a fancy paint job covered?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like ambulance fees, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This coverage covers damage to your CR-Z from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda CR-Z.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Liability insurance

Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover 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 policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as emergency aid, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from flooding and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

When getting insurance coverage quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

More affordable car insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online quoting and many times these regional carriers only sell through independent agents.

To learn more, link through to the following helpful articles:

Comments About 2012 Honda CR-Z Insurance

  1. Zulma Moon

    I live in a small town just outside of Las Cruces, New Mexico. Got prices from Progressive, Amica, Encompass, and Hartford for my 2012 Honda CR-Z and saved $408 a year. Did it all online.

  2. Brook Cochran

    Does 21st Century insure at replacement cost?

  3. Shannon Buckley

    Can I get replacement cost coverage for a 2012 Honda CR-Z?

  4. Isreal Dillard

    Compared rates with State Farm and AIG Insurance but still pricey.

  5. Sade Castillo

    I got quite a few price quotes for a 2012 Honda CR-Z in Minneapolis, Minnesota. Ended up at darn near $100 every six months with AAA. Left Allstate to switch. I think they have home insurance too. Not sure about claim service.

  6. Alissa Garza

    Good site, thanks. Live in the northern part of Provo, UT. I quoted with Sentry, Erie, GEICO, and Amica for my 2012 Honda CR-Z and I’m now saving $39 a month. Insured with GMAC before. Even increased coverage a bit. Get lots of quotes to find the best rate.

  7. Reynalda Forbes

    I’m in the west part of Wilmington, DE. Got prices from GEICO, Farmers, and Liberty Mutual for my CR-Z and saved $413 a year.

  8. Christia Hebert

    I went with State Farm at renewal. Best rates in Birmingham, AL. BTW speeding tickets are not good. Bought it from an online quote.

  9. Truman Barton

    Checking in from Raleigh, NC. Quoted quotes from GEICO, American Family, and Erie for my 2012 Honda CR-Z and saved $430 a year. Left GEICO to switch. It was easy to get rates.

  10. Tanesha Cross

    I found pretty cheap rate quotes for a 2012 Honda CR-Z in Gulfport, Mississippi. Ended up at roughly $540 every six months with American Family. I recommend comparing lots of rates.

  11. Tynisha Ryan

    I’m in the suburbs of Raleigh, NC. Got free quotes online for a 2012 Honda CR-Z. Ended up at about $420 savings annually. Went with Allstate.