2016 Honda CR-Z Car Insurance Rates

Vehicle owners that are new to comparison shopping online are likely to find buying inexpensive car insurance is more work than they thought.

Consumers need to shop coverage around as often as possible because auto insurance prices go up and down regularly. Just because you had the best quotes for CR-Z insurance at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the quickest ways to get good coverage at a lower rate.

How to buy car insurance online

When comparison shopping, there are several ways to compare prices from different companies. The best method to find affordable Honda CR-Z insurance rates is to jump online and get quotes. This can be done in a couple minutes as outlined below.

• The recommended way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quote forms for each price estimate. One form submission will return price quotes from car insurance companies with the best prices.It’s the quickest way to get rates.
• A harder way to get quotes online consists of going to the website of each company and go through the quote process again. For example, let’s say you want to compare rates from Allstate, Farmers and Progressive. You would be required to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, be certain you are entering the same information for each quote you get. If you use different deductibles it’s not possible to find the best deal for your Honda CR-Z. Just slight variations in coverage limits may cause a big price difference. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting the best rates.

Discounts for lower-cost insurance coverage quotes

Some insurance providers don’t list every possible discount in a way that’s easy to find, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to you.

• Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% for CR-Z insurance with select insurance companies.
• Multi-car Discount – Buying insurance for all your vehicles on a single policy can reduce rates for all insured vehicles.
• Memberships – Having an affiliation with certain professional organizations could earn you a nice discount on your policy.
• 55 and Retired – Drivers that qualify as senior citizens can get reduced rates for CR-Z insurance.

You should keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Companies that possibly offer these discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Before purchasing a policy, check with all the companies which discounts they offer. Some discounts may not be offered in your state. If you would like to see a list of companies with discount insurance coverage rates, click this link.

You may need specialized insurance coverage coverage

When choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might point out whether you would benefit from professional advice.

• Does coverage extend to my business vehicle?
• Is my nanny covered when driving my vehicle?
• How much underlying liability do I need for an umbrella policy?
• If I drive on a suspended license am I covered?
• What exactly is covered by my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Is my custom paint covered by insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages 101

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, hitting a deer, damage from flooding and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This will pay to fix damage to your CR-Z from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, scraping a guard rail, rolling your car, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, attorney fees and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, ambulance fees, funeral costs and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2016 Honda CR-Z.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.