2011 Honda CR-Z Insurance Rates

Want better insurance coverage rates for your Honda CR-Z? Finding affordable insurance coverage over the internet can seem to be problematic for consumers not familiar with online price comaprisons. Because there are so many insurers available, how can consumers have a chance to compare every one to find the best available price?

Vehicle Insurance Comparison

There are a lot of ways to compare insurance coverage prices but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most of the larger companies belong to a marketplace that enables customers to submit their information once, and each participating company then gives them pricing determined by their information. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To compare pricing click here to open in new window.

The only drawback to getting quotes like this is you don’t know exactly the insurers you want to price. If you would rather choose from a list of companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use identical coverage information with each company. If the quotes have different deductibles then you won’t be able to find the best deal for your Honda CR-Z. Having just a slight variation in coverage limits could mean much higher rates. And when price shopping your coverage, quoting more will enable you to find the best offered rates.

Do you qualify for discounts?

Companies don’t necessarily list every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known car insurance savings.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on CR-Z insurance with a few car insurance companies.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Car insurance companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not be offered in your state.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions may help you determine if your situation might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • Is motorclub coverage worth it?
  • Does my insurance cover a custom paint job?
  • Do I have newly-aquired coverage?
  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

This coverage covers damage to your CR-Z resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as chiropractic care, EMT expenses, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

In the end, you save

People leave their current company for a variety of reasons including poor customer service, questionable increases in premium, not issuing a premium refund and even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

You just read a lot of techniques to save on 2011 Honda CR-Z insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company.

Low-cost insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Additional detailed information is available by following these links: