Cheaper 2018 Honda HR-V Car Insurance Rates

Finding cheaper insurance for a Honda HR-V can be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to quote coverages for your Honda and obtain the lowest price.

Smart consumers take time to compare prices before your policy renews because prices go up and down regularly. Even if you got the lowest rates on HR-V insurance a few years ago a different company probably has better rate quotes today. Forget all the misinformation about car insurance because you’re about to learn the best methods to reduce your cost while increasing coverage.

Don’t miss these discounts

Companies don’t always advertise the complete list of policy discounts very well, so we researched a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If they aren’t giving you every credit possible, you are throwing money away.

  • Multi-car Discount – Insuring primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
  • Defensive Driver Discounts – Taking a defensive driver course could cut 5% off your bill depending on where you live.
  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Braking Control Discount – Cars with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Government Employees – Active or retired federal employment could provide a small rate reduction on HR-V insurance with certain companies.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts when compared with policyholders that have many claims.
  • Data Collection Discounts – Insureds that choose to allow driving data submission to spy on driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
  • Bundle and Save – If you combine your auto and home policies and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Switch and Save Discount – A few companies allow discounts for buying a policy before your current expiration date. This can save 10% or more.

Remember that most credits do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

A list of auto insurance companies and the discounts they provide are detailed below.

  • State Farm has discounts for student away at school, defensive driving training, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, good student, and good driver.
  • Farmers Insurance includes discounts for multi-car, early shopping, youthful driver, bundle discounts, mature driver, pay in full, and switch companies.
  • Geico offers discounts including driver training, seat belt use, anti-lock brakes, anti-theft, multi-vehicle, and good student.
  • American Family discounts include accident-free, good student, early bird, multi-vehicle, good driver, and bundled insurance.
  • Nationwide has savings for multi-policy, anti-theft, easy pay, accident-free, and good student.
  • Progressive offers discounts for multi-vehicle, multi-policy, online signing, continuous coverage, good student, and homeowner.

Before purchasing a policy, check with each company to give you their best rates. All car insurance discounts may not be offered in every state. To see auto insurance companies with discount rates, click here.

How to buy auto insurance online

Reducing your 2018 Honda HR-V insurance rates is not a difficult process. Drivers just need to spend a little time to compare rate quotes to see which company has affordable car insurance quotes. This can be accomplished using a couple different methods.

The fastest and easiest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions for every auto insurance company. Filling out one form will get you price quotes from multiple companies. Just one form and you’re done.

A more difficult way to compare rate quotes is to take the time to go to the website of each company and complete a new quote form. For example, we’ll assume you are doing a rate comparison from Allstate, State Farm and Geico. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of companies in your area, click here.

Compare rates however you want, just make absolute certain that you use apples-to-apples information on every quote. If you have higher or lower deductibles it’s not possible to get a fair rate comparison.

Special considerations

When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Am I covered if hit by an uninsured driver?
  • What vehicles should carry emergency assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • Is rental equipment covered for theft or damage?
  • What can I do if my company won’t pay a claim?
  • What if I don’t agree with a claim settlement offer?
  • Are my friends covered when driving my car?
  • Do I pay less for low miles?
  • Are my friends covered when driving my 2018 Honda HR-V?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like structural damage, medical expenses, legal defense fees, loss of income and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your 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 only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – This will pay to fix damage to your HR-V resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Get your money’s worth

A few companies don’t offer the ability to get a quote online and most of the time these smaller providers only sell coverage through independent insurance agencies. Cheap 2018 Honda HR-V insurance can be sourced online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

We’ve covered some good ideas how to shop for 2018 Honda HR-V insurance online. The key thing to remember is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may even discover the most savings is with an unexpected company.

People switch companies for a variety of reasons including being labeled a high risk driver, high prices, policy non-renewal or even not issuing a premium refund. Whatever your reason, switching companies can be less work than you think.

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