2014 Honda CR-Z Insurance Quotes – 9 Ideas for Cheapest Rates

Trying to find lower insurance coverage rates? Buyers have a choice when searching for low-cost Honda CR-Z insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to compare rates on a Honda and find the lowest price.

If you have a current car insurance policy or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. This information will help you learn how to effectively get price quotes and some tricks to saving. Drivers only need an understanding of the proper way to buy car insurance online.

Compare Quotes for Insurance

Reducing your 2014 Honda CR-Z insurance rates is not a difficult process. All that’s required is to take a couple of minutes comparing rates from different insurance companies. This can be done using a couple different methods.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate forms for each company. Taking the time to complete one form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A different way to analyze rates is to manually visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare Allstate, Safeco and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way to get comparison rates is to spend time driving to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the personal advice only provided by licensed agents. Drivers can comparison shop your insurance online but buy from a local insurance agent.

Which method you use is up to you, but ensure you’re using the exact same coverage limits and deductibles with each company. If your comparisons have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Honda CR-Z.

Do you qualify for these nine discounts?

Companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on CR-Z insurance.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • No Accidents – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on CR-Z insurance depending on your company.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurance companies with discount auto insurance rates, click this link.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • Can I get a multi-policy discount?
  • Are rock chip repairs covered?
  • Is upholstery damage covered by car insurance?
  • Do I need more liability coverage?
  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t get away from ads for the lowest price auto insurance by companies like Allstate and Progressive. They all seem to make the same claim about savings after switching to them.

How does each company claim to save you money? This is how they do it.

Different companies can use profiling for the driver that is profitable for them. An example of a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don’t meet this ideal profile will be charged higher rates and ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully advertise the way they do. That is why you need to get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Honda CR-Z insurance rates.

Specific coverage details

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This will cover damage that occurs to a person or their property. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, loss of income, repair bills for other people’s vehicles, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, a broken windshield and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance will pay to fix damage to your CR-Z resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, hitting a parking meter, colliding with a tree, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Honda CR-Z.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, dental work, X-ray expenses, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Find Good Coverage for Less

Discount 2014 Honda CR-Z insurance is attainable on the web and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Drivers change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, high rates after DUI convictions and even policy cancellation. Regardless of your reason, finding a great new company is not as hard as you think.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to discover later that it was a big mistake. Your aim should be to purchase plenty of coverage at the best price, not the least amount of coverage.

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