Honda HR-V Insurance Rates

You have lots of choices when trying to find low-cost insurance for your Honda vehicle. You can buy from your neighborhood insurance agent or shop online to compare rates from many different companies. Finding cheaper car insurance from online companies is easy and at the same time you will probably save money.

Consumers who are new to the process of comparison shopping may think finding low-cost Honda HR-V insurance can be quite difficult. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The simplest method to compare Honda HR-V insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What factors impact Honda HR-V insurance rates?

Insurance rates on a Honda HR-V can fluctuate considerably based upon several criteria. Taken into consideration are:

The performance level of your HR-V
Accidents raise premiums
Home/auto policy bundles save money
Pleasure use vs. commuting use
Special coverage such as replacement cost
Your profession
Insurance coverage level
Whether you rent or own your home

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. Models that are a few years old have a reduced actual cash value so the cost to replace them will push premiums down. Although newer vehicles may have options included like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which may lower rates.

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

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Coverage for collisions

This covers damage to your Honda resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your Honda HR-V can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Honda HR-V insurance quotes.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Honda HR-V Insurance Rates?

Honda HR-V Insurance Quotes