2016 Honda HR-V Insurance Rates

Paying for overpriced Honda HR-V insurance can sap your funds and maybe even restrict other spending. Comparing price quotes can be a smart way to make ends meet.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies to get the lowest rate

If you have insurance now or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Finding affordable coverage is quite easy. Drivers only need to know the most efficient way to shop their coverage around over the internet.

Pay discount rates these discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but some must be asked about prior to receiving the credit.

  • Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% for HR-V insurance than less cautious drivers.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Claim-Free Discount – Drivers who stay claim-free pay much less in comparison with accident-prone drivers.
  • Club Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates when shopping for insurance.
  • Defensive Driver Discount – Completing a safe driver course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Military Rewards – Having a deployed family member could qualify you for better prices.
  • Discounts for New Vehicles – Insuring a new car is cheaper because newer models are generally safer.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To find providers who offer online insurance quotes, click here to view.

How to buy car insurance online

Lowering your 2016 Honda HR-V car insurance rates is a great way to save money. Just spend a few minutes to compare free insurance coverage quotes to see which company has affordable insurance coverage quotes. Rate comparisons can be done in just a few minutes using one of these methods.

  • Probably the best way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating multiple quote forms for every prospective company. Completing one form gets you coverage quotes from multiple low-cost companies.
  • A different way to compare rate quotes requires a trip to the website for every company you want to comare and go through the quote process again. For example, let’s assume you want to compare State Farm, Farmers and Progressive. In order to get each rate, you would have to go to every website and repeatedly enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  • The old school way to comparison shop rate quotes is driving to different agent offices. Doing it all online has reduced the need for local agents unless you have a need for the peace of mind of a local agent. Drivers can find lower rates online but buy the policy through an agent.

Take whichever approach you prefer, but compare equivalent quote data on every quote. If you have different liability limits you will not be able to determine which company has the best rates.

Why informed consumers pay less for Honda HR-V insurance

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help determine car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can help you get lower rates. Many things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are less apparent such as whether you are married and annual miles driven.

Listed below are some of the factors car insurance companies consider when setting your rate level.

  • Accidents can increase costs – Even one speeding ticket can boost insurance rates substantially. Attentive drivers tend to pay less for car insurance than bad drivers. People who have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility with their state motor vehicle department in order to continue driving.
  • High credit means lower premiums – Having a bad credit rating factor in calculating your premium rate. So if your credit is not that good, you could be paying less to insure your 2016 Honda HR-V by improving your rating. People that have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with worse credit.
  • Experienced drivers save more – More experienced drivers are more responsible, tend to cause fewer accidents and are safer drivers.Teen drivers have a tendency to be more careless when at the wheel of a vehicle so they pay higher car insurance rates.
  • Can a thief steal your car? – Choosing to buy a car with an alarm system can get you a discount on your car insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.
  • Rates can drop if you have more than one policy – Lots of car insurance companies afford better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare rates to guarantee you are still saving the most.
  • Married drivers get cheaper rates – Having a wife or husband may save some money when buying car insurance. Having a spouse generally demonstrates drivers are more financially stable and it’s statistically proven that married drivers tend to file fewer claims.

Special considerations

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Why do I need rental car insurance?
  • Does having multiple vehicles earn me a discount?
  • Do I need replacement cost coverage on my 2016 Honda HR-V?
  • Do I need more liability coverage?
  • When should I remove comp and collision on my 2016 Honda HR-V?
  • Why does it cost so much to insure a teen driver?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover my expensive audio equipment?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2016 Honda HR-V.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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

Liability can pay for things such as funeral expenses, pain and suffering and bail bonds. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage pay for bills such as ambulance fees, dental work, funeral costs, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

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

Comprehensive insurance covers things such as hitting a deer, falling objects, damage from flooding, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

We just presented some good ideas how to compare 2016 Honda HR-V insurance prices online. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut full coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

There are still a few companies who may not offer online rate quotes and most of the time these regional insurance providers work with local independent agents. Low-cost 2016 Honda HR-V insurance is available online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money.

Much more information about car insurance can be read at the links below

Comments About 2016 Honda HR-V Insurance

  1. Wendy Barton

    Quoted with Travelers for my 2016 Honda HR-V and saved around $240 a year. Was with Safeco. Did it all online.

  2. Tawny Poole

    I’ve bought from GEICO forever. Cheapest rates in Tucson, Arizona.

  3. Belle Burnett

    I got quite a few price quotes for a 2016 Honda HR-V in Springfield, Missouri. Ended up at darn near $160 every six months with American Family. I’m a pretty good driver though. Just go online and compare their rates.

  4. Dale Walters

    Lots of good stuff here. Lifelong resident of Warren, MI. Don’t remember every company but I ended up saving about $50 each month. I get lower rates because of my clean driving record. You can get a rate quote online.

  5. Salvatore Berg

    All companies are crooks. Live in Jacksonville, FL. Got quotes from Progressive, AAA, Encompass, and Hanover for my Honda and saved $171 a year. Thankfully I’m not a high risk driver. Online quotes are the way to go.

  6. Preston Gonzales

    Is Allstate or Farmers cheap in Norman, Oklahoma?

  7. Jimmie Lyons

    Does Hawaii require liability coverage?

  8. Kimberlie Patton

    Why are claims settled so low?

  9. Deidre Lawrence

    Lifelong resident of Davenport, IA. Can’t remember who all I quoted but I ended up saving about $40 each month.

  10. Tomoko Nichols

    Here’s my quote info. Found cheapest coverage with Progressive for my HR-V and saved around $470 a year.

  11. Wade Duncan

    It’s all a rip off. Found cheapest coverage with AIG Insurance for my 2016 Honda HR-V and saved about $150 a year.

  12. Cordell Nichols

    I’m in the north part of Parkersburg, West Virginia. Quoted with 21st Century, The General, and Encompass for my Honda and saved $443 a year. BTW speeding tickets are not good. Bought it from an online quote.