2014 Honda CR-Z Insurance Cost – 8 Ideas for Cheapest Prices

Locating low-cost insurance for a new or used Honda CR-Z can turn out to be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to compare rates on a Honda and locate the lowest possible price from both online companies and local agents.

Finding the best coverage can be fairly easy. If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the most efficient way to compare prices online.

Free insurance rate quotes

All the larger insurance companies give prices direct online. The process is possible for anyone because you just enter your personal and coverage information into the quote form. When complete, their rating system will order your credit score and driving record and gives you a price quote.

Being able to quote online makes comparing rates easy, but having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s necessary to compare as many rates as possible if you want to get the lowest possible prices on insurance.

There is a better way to compare rates

The smarter way to find better insurance pricing uses just one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a lot less work. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the price quotes you receive.

If you find a better price you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you type in the limits and deductibles as shown on your current policy. This ensures you’re receiving a rate comparison using the exact same coverages.

These eight discounts can lower your auto insurance quotes

Auto insurance companies do not advertise every disount available very well, so we took the time to find a few of the more well known and the more hidden ways to save on auto insurance.

  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for CR-Z coverage compared to accident prone drivers.
  • Federal Government Employee – Employees or retirees of the government may reduce rates when you quote auto insurance for CR-Z coverage with some auto insurance companies.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts of more than 20%.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you lower prices if you buy life insurance from them.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
  • Own a Home – Owning a house can help you save on auto insurance since home ownership is proof that your finances are in order.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

Companies and the discounts they provide can be found below.

  • State Farm may include discounts for good student, multiple autos, multiple policy, safe vehicle, and Drive Safe & Save.
  • American Family has discounts for mySafetyValet, bundled insurance, early bird, multi-vehicle, and TimeAway discount.
  • Geico has savings for air bags, anti-lock brakes, seat belt use, driver training, multi-vehicle, and military active duty.
  • 21st Century offers premium reductions for air bags, defensive driver, teen driver, anti-lock brakes, good student, and automatic seat belts.
  • Progressive discounts include multi-vehicle, online quote discount, good student, multi-policy, continuous coverage, and online signing.

If you are trying to find cheap auto insurance quotes, ask every prospective company how many discounts you can get. Some discounts listed above might not be offered in your state. To see a list of providers that can offer you the previously mentioned discounts, click this link.

Different people need different insurance coverages

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation may require specific advice.

  • How high should my medical payments coverage be?
  • Are split liability limits better than a combined single limit?
  • Should I rate my 2014 Honda CR-Z as pleasure use or commute?
  • When do I need to add a new car to my policy?
  • Am I covered when driving a rental car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision insurance

This covers damage to your CR-Z caused by collision 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 claims like damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, chiropractic care, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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 very important. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s 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. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects, medical expenses, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Feed the piggy bank

You just learned many ways to shop for 2014 Honda CR-Z insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper auto insurance. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.

When getting auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Budget-friendly insurance coverage is available both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not offer online rate quotes and most of the time these small, regional companies provide coverage only through independent agents.

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