2013 Honda CR-Z Insurance Cost

Are you regretting the purchase of an underperforming, overpriced car insurance policy? Believe me, you’re not the only one.

Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute best price available.

You should take the time to compare prices before your policy renews because prices change frequently. If you had the best price on CR-Z insurance a year ago you can probably find a lower rate today. You can find a lot of information about car insurance online, but by reading this article, you’re going to learn a lot of great tips on how to lower your car insurance bill.

How to find affordable car insurance

There are a lot of ways to compare car insurance prices but there is one way that is easier and takes less work. You could spend the better part of a day talking to agents in your area, or you can utilize online quotes to get the quickest rates.

Many popular insurance companies belong to a marketplace where insurance shoppers complete one form, and each company then gives them pricing based on that data. This eliminates the need for quotation requests for each company. To compare pricing click here to start a free quote.

The single downside to using this type of system is you are unable to specify the companies to receive prices from. If you wish to select individual companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

However you get your quotes, be certain you are entering nearly identical coverages and limits with each company. If you compare different values for each quote it’s impossible to determine the lowest rate for your Honda CR-Z. Having just a slight variation in insurance coverages could skew the results. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding a lower rate than you’re paying now. Not every company provides prices over the internet, so it’s important to also get rates on coverage from those companies, too.

Do you qualify for discounts?

Insurance is not cheap nor is it fun to buy but you may be missing some discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but less common discounts must be specifically requested prior to receiving the credit.

  • College Student – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Government Employee Discount – Employees or retirees of the government may reduce rates when you quote car insurance on CR-Z insurance depending on your company.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles on a single policy may reduce the rate for each vehicle.
  • No Charge for an Accident – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
  • Mature Driver Discount – If you’re over the age of 55, you may be able to get reduced rates on CR-Z insurance.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because newer models keep occupants safer.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching companies prior to your current policy expiring. This can save 10% or more.
  • Air Bag Discount – Cars that have air bags can get savings of 25 to 30%.

Don’t be shocked that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

To see a list of companies who offer discounts, follow this link.

What determines Honda CR-Z insurance costs?

Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are less apparent like where you live or how financially stable you are.

  • Females tend to take less risk – The statistics show women tend to be less risk to insure than men. However, this does not mean males are worse at driving than females. Women and men tend to get into auto accidents in similar percentages, but the male of the species have costlier accidents. Not only that, but men also have more aggressive citations like driving under the influence (DUI). Male teenagers are the most expensive to insure and therefore pay the highest rates.
  • Credit score impacts costs – An insured’s credit score is a big factor in calculating your premium rate. If your credit can be improved, you could be paying less to insure your 2013 Honda CR-Z by repairing your credit. Insureds that have high credit ratings tend to be better risks to insure than drivers who have worse credit.
  • Drive less and get lower premiums – Driving a lot of miles in a year the higher your rate. Almost all companies charge rates based upon how much you drive. Cars used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. Incorrect rating for your CR-Z can result in significantly higher rates. It’s a smart idea to ensure your car insurance policy shows the correct driver usage.
  • Premiums impacted by your city – Having an address in less populated areas of the country is a good thing if you are looking for the lowest rates. Urban drivers have to deal with more road rage incidents and more severe claims. Fewer drivers on the road means reduced accidents.

Don’t assume everyone needs the same insurance coverage

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if your situation will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if my car is in a flood?
  • Do I need replacement cost coverage on my 2013 Honda CR-Z?
  • Is a blown tire covered by insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2013 Honda CR-Z?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance advertising gotchas

Companies like Allstate and Progressive continually stream ads in print and on television. They all seem to make the same claim that you’ll save big if you just switch your policy. How does each company claim to save you money? It’s all in the words they use.

Insurance providers can use profiling for the type of customer that earns them the highest profit. A good example of a profitable risk profile might be described as a female over age 40, carries full coverage, and has great credit. A customer getting a price quote who fits those characteristics may get the lowest prices as well as cut their rates substantially.

Drivers who do not meet these stringent criteria must pay higher premiums and the customer buying from a different company. If you pay attention, the ads say “people that switch” not “everybody who quotes” save money. That’s the way companies can advertise the savings. This really emphasizes why you need to compare rate quotes every year. Because you cannot predict which company will have better rates than you’re paying now.

Coverages available on your policy

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Auto liability

This coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, structural damage and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda CR-Z.

Because many people 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 is important protection for you and your family.

Coverage for collisions

Collision insurance covers damage to your CR-Z resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like pain medications, X-ray expenses, nursing services, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Quote more. Save more.

Low-cost 2013 Honda CR-Z insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance coverage companies do not offer internet price quotes and many times these smaller providers sell through independent agents.

In this article, we covered many tips how you can lower your 2013 Honda CR-Z insurance prices. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper car insurance. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

When searching for the cheapest car insurance quotes, make sure you don’t skimp on coverage in order to save money. In too many instances, consumers will sacrifice collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

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