2017 Honda HR-V Insurance Cost – 5 Ideas for Best Prices

Finding a different company that has affordable insurance can seem complicated if you have never used online car insurance quotes. Don’t let that stop you because comparing prices is actually very simple.

It’s a good idea to compare premium rates on a regular basis due to the fact that insurance prices go up and down regularly. Just because you found the best price for HR-V insurance on your last policy a different company probably has better rate quotes today. There is too much inaccurate information about car insurance out there, but we’re going to give you some good information on how to stop overpaying for insurance.

First Step: Get free car insurance quotes

The are a couple different ways to compare rate quotes from all the different companies. The quickest method to do a complete rate comparison is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

Probably the best way to find low rates is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for each price estimate. Completing one form gets insurance cost estimates direct from many companies. It’s definitely the quickest method.

A more time consuming way to get comparison quotes requires a visit to the website for each individual company to request a price quote. For examples sake, let’s assume you want to see prices from Progressive, Esurance and State Farm. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The final method of comparing rate quotes to local insurance agencies. Quoting online makes this unnecessary unless you’re the type of person who wants the professional advice that only an agent can give. Although, it is possible compare the best prices online but have your policy serviced through an agent.

Whichever way you choose to compare rates, do your best to use the same quote information for every quote you compare. If you are comparing different values for each quote it will be next to impossible to find the best deal for your Honda HR-V. Just slight variations in insurance coverages could throw off the whole comparison. Just remember that comparing all the rates in your area helps locate the best price.

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Earn discounts on insurance coverage

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain credits will be shown when you get a quote, but a few must be asked for before being credited.

• Discount for Low Mileage – Keeping the miles down on your Honda may enable drivers to earn lower prices on the low mileage vehicles.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for HR-V insurance with certain companies.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
• Distant Student – College-age children who live away from home at college and do not have a car can receive lower rates.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you’re out of luck.

The best insurance coverage companies and a partial list of their discounts are included below.

• Farm Bureau includes discounts for good student, 55 and retired, multi-policy, driver training, and renewal discount.
• MetLife policyholders can earn discounts including accident-free, good student, claim-free, good driver, defensive driver, and multi-policy.
• Progressive offers discounts including continuous coverage, multi-vehicle, good student, multi-policy, homeowner, online signing, and online quote discount.
• AAA may include discounts for good driver, education and occupation, pay-in-full, anti-theft, and multi-policy.
• American Family offers discounts for TimeAway discount, air bags, accident-free, good driver, and good student.
• Geico may offer discounts for emergency military deployment, multi-vehicle, membership and employees, military active duty, and defensive driver.
• State Farm offers premium reductions for accident-free, safe vehicle, student away at school, anti-theft, good student, multiple autos, and defensive driving training.

If you are trying to find the cheapest insurance quotes, ask each company which credits you are entitled to. Some credits might not be offered on policies in your area.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Is motorclub coverage worth it?
• Am I covered when using my vehicle for business?
• Can I afford low physical damage deductibles?
• Am I covered when driving a rental car?
• Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Advertising and insurance

Well-known insurance companies like Progressive, Allstate and Geico seem to constantly run ads in print and on television. All the companies have a common claim that you can save if you get a free insurance quote and switch your coverage to them. How is it plausible that every one can charge you a lower premium?

Many companies give the cheapest rates for the type of customer that makes them money. For instance, a profitable risk profile might be described as between 25 and 40, carries full coverage, and the vehicle is rated for pleasure use. Any driver who meets those qualifications will qualify for the lowest prices as well as save some money.

Potential customers who do not fit these stringent criteria will see higher rates with the end result being business not being written. Company advertisements say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can truthfully advertise the savings. This really illustrates why you really should compare rate quotes every year. You cannot predict which company will provide you with the cheapest premium rates.

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Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda HR-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

This coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for dental work, pain medications, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage pays for damage to your HR-V resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, vandalism and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart consumers save more

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, an accident victim reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Consumers leave their current company for a variety of reasons including delays in paying claims, denial of a claim, high prices or extreme rates for teen drivers. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

Some insurance companies do not provide the ability to get a quote online and many times these small, regional companies only sell through local independent agencies. The cheapest 2017 Honda HR-V insurance can be bought online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about insurance is available at these links:

• Rollover Crash FAQ (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)

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