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Honda CR-Z Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your Honda vehicle. You can either buy through an insurance agent or go online to compare pricing from many different companies. Finding cheaper auto insurance from online companies can be fast and easy and at the same time you may find lower rates.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Insurance premiums for your Honda CR-Z will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance CR-Z vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older Honda models so the cost to replace them will push premiums up. Although newer vehicles have more advanced features included like forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your CR-Z from available model years below.

Liability coverage

This coverage can cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision protection

This covers damage to your Honda resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper Honda CR-Z insurance cost.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. 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. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.

How Much are Honda CR-Z Insurance Rates?