Lower Your 2013 Honda CR-Z Car Insurance Quotes

Think you have an expensive insurance coverage policy? Don’t sweat it because there are many drivers thinking the same thing.

There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have a selection, more options can take longer to get the best deal.

Consumers need to check insurance coverage prices every six months because insurance coverage rates are usually higher with each renewal. Even if you think you had the lowest premium rates on CR-Z insurance a few years ago you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.

Finding car insurance

Most of the larger companies like Progressive, Allstate and Geico provide pricing direct online. Comparing rates online doesn’t take a lot of time as you simply type in your coverage information into the quote form. When complete, their quoting system will obtain your driving and credit reports and provides a quote based on these factors. This helps simplify price comparisons, but the work required to visit a lot of sites and type in the same data can be a bit repetitive. But it is imperative to do this if you want to find lower prices.

A more efficient way to get multiple rate quotes requires only one form that obtains quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes online quotes much more enjoyable. Immediately after you send the form, it is rated and you can select any one of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase coverage. It takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to use this form to compare rates, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you input the coverages exactly as shown on your declarations page. This guarantees you’re receiving rate quotes for the exact same coverage.

You may qualify for discounts

Companies that sell car insurance don’t always publicize the entire discount list in an easy-to-find place, so the following list contains some of the more common as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

• Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• More Vehicles More Savings – Having more than one vehicle with the same auto insurance company may reduce the rate for each vehicle.
• Telematics Data – Insureds who allow their insurance company to study driving patterns by using a telematics device such as State Farm’s In-Drive may see discounts if they are good drivers.
• Accident Waiver – Not really a discount, but some companies like State Farm and Progressive allow you one accident before raising your premiums if your claims history is clear for a specific time period.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and therefore earn up to a 10% discount.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down your policy premium.

Car insurance companies that have these benefits are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need low cost auto insurance quotes, ask every company what discounts are available to you. Some credits might not be available to policyholders in your state. To locate insurers that can offer you the previously mentioned discounts, click this link.

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

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

• How do I insure my teen driver?
• I don’t drive much so do I pay less?
• Do I have coverage when pulling a U-Haul trailer?
• How much liability do I need to cover my assets?
• How high should deductibles be on a 2013 Honda CR-Z?
• What is the rate difference between pleasure use and commuting?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your CR-Z resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, crashing into a ditch, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, prosthetic devices, pain medications, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive car insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, theft and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.