2017 Honda HR-V Insurance Rates

Buyers have a choice when searching for affordable Honda HR-V insurance. You can either waste hours driving around getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to find insurance coverage online so we’re going to tell you the absolute fastest way to quote coverages for your Honda and find the cheapest rates either online or from local insurance agents.

It is always a good idea to quote other rates yearly because prices are rarely the same from one policy term to another. Just because you had the best rate for HR-V insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use the internet to save on insurance coverage.

Finding the best rates is not rocket science. If you currently have car insurance, you should be able to save some money using this strategy. Vehicle owners only need to know how to find the lowest price over the internet.

First Step: Get free car insurance quotes

Finding cheaper car insurance rates doesn’t have to be difficult. All that’s required is to spend a few minutes on the computer comparing rates to discover which company has cheap car insurance quotes. It is quite easy and can be accomplished in several different ways.

• The fastest way consumers can analyze rates is a comparison rater form click to view form in new window. This style of form prevents you from having to do multiple quote forms for each company you want a rate for. Filling out one form will return quotes instantly. Recommended for those who want to invest the least amount of time.
• A less efficient way to obtain and compare quotes online is going to each individual company website and fill out their own quote form. For sake of this example, we’ll pretend you need rates from Geico, State Farm and Farmers. In order to get each rate, you would have to go to every website and enter your information, and that’s why the first method is more popular.

  For a list of companies in your area, click here.

• The most difficult way to find cheaper rates is to spend your day driving to insurance agencies in your area. Doing it all online can eliminate the need for a local agent unless you have a need for the peace of mind of a licensed agent. Although you can find lower rates online but purchase the actual policy in an agency.

It’s up to you which method you use, but make sure you use equivalent coverage limits on every quote. If you enter different values for each quote you can’t possibly make a fair rate comparison.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

• Is my babysitter covered when using my vehicle?
• How do I insure my teen driver?
• Are rental cars covered under my policy?
• Do I need motorclub coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I carry comprehensive and collision coverage?
• What vehicles should carry emergency assistance coverage?
• Is my camper covered by my car insurance policy?
• Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as structural damage, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda HR-V.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like hospital visits, surgery, ambulance fees, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage