Buying Affordable Car Insurance for a Honda CR-Z Made Easy

Shoppers have a choice when shopping for low-cost Honda CR-Z insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to buy car insurance and we’ll show you the best way to quote coverages for a new or used Honda and find the lowest possible price from both online companies and local agents.

It’s a good habit to price shop coverage once or twice a year because prices fluctuate regularly. Just because you had the best deal for CR-Z insurance last year there may be better deals available now. Don’t believe everything you read about car insurance online but we’re going to give you some excellent ideas to reduce your car insurance bill.

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. The purpose of this article is to tell you how to effectively get price quotes and some tricks to saving. Drivers only need an understanding of the tricks to get comparison quotes online.

Quick Car Insurance Quotes

Most major insurance companies quote price estimates online. Getting quotes is quite easy as you simply type in the amount of coverage you want as requested by the quote form. Behind the scenes, their system collects your driving and credit reports and returns pricing information.

Online price quotes streamlines rate comparisons, but having to visit different websites and enter the same data into a form can be a bit repetitive. But it’s very important to get many rate quotes if you are searching for the lowest car insurance rates.

An easier way to get multiple rate quotes utilizes a single form that analyzes rates from many companies. It saves time, reduces the work, and makes online price comparison a lot less work. Immediately after you send the form, it gets priced and you can choose any or none of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you input deductibles and limits identical to your current policy. Doing this assures you will get rate quotes for exact coverage.

Don’t overlook these discounts

Companies that sell car insurance do not list all their discounts very well, so here is a list some of the best known as well as the least known ways to save on car insurance. If you don’t get every credit you deserve, you’re paying more than you need to.

Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when buying car insurance for CR-Z insurance.
Resident Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for CR-Z insurance than less cautious drivers.
Federal Employees – Active or retired federal employment could cut as much as 10% off for CR-Z insurance depending on your company.
Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Own a Home – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.

Keep in mind that most discount credits are not given to the entire cost. Most only cut individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

To choose companies with the best car insurance discounts, click here.

Factors that can influence insurance rates for a Honda CR-Z

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get better car insurance rates.

Listed below are a few of the “ingredients” used by your company to calculate your rates. insurance prices

Little extras can really add up – There are quite a few additional coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
Your job and insurance rates – Occupations like real estate brokers, architects and dentists tend to pay the highest average rates attributed to stressful work requirements and lengthy work days. Other professions such as farmers, historians and retirees have the lowest average rates for CR-Z insurance.
Claim-free discounts can add up – If you tend to file frequent claims, you can look forward to higher rates. Auto insurance companies give better rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
Marriage pays dividends – Having a spouse actually saves money on car insurance. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
More than one policy can earn a discount – Many companies give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
Big city or small town – Being located in a rural area can save you money when insuring your vehicles. City drivers have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
Drive less and save money – The more you drive every year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your car insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your CR-Z may be wasting your money.

Are insurance agents obsolete?

Certain consumers just want to buy from a local agent and that is a personal choice. Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get better rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your insurance data is immediately sent to participating agents who will compete for your coverage. There is no reason to even leave your home since price quotes are sent to the email address you provide. It doesn’t get any easier!

Choosing an provider should depend on more than just the price. Any agent should be forthright in answering these questions:

Who are their largest clients?
If you have an accident, will your rates go up?
Can glass repairs be made at your home?
Who is covered by the car insurance policy?
If you are a high risk driver, do they have special markets for your coverage?
How long have they worked with personal auto insurance coverage?
Do they receive special compensation for putting your coverage with one company over another?
What are the financial ratings for the companies they represent?

Captive or Independent: There is a difference

When looking for a reliable agent, there are a couple of different types of agents from which to choose. agents can either be captive or independent. While both can do a good job, but it’s worth mentioning how they differ because it can impact your agent selection.

Captive Insurance Agents

Captive agencies can only write with one company and examples are Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so they have to upsell other benefits. They are well schooled in insurance sales and that can be a competitive advantage. Consumers often choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Independent Agents (or Brokers)

These agents are not locked into one company but rather can write business amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers which may provide better rates.

For a complete listing of insurance agents, visit this site.

Upon receiving acceptable answers to these questions and a low price estimate, it’s possible that you found an insurance agency that is a good match to adequately provide car insurance.

Will just any policy work for me?

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might help in determining if you might need professional guidance.

Does my personal auto insurance policy cover using my vehicle for business use?
Am I covered if I crash into my own garage door?
I have good health insurance, so how much medical payments coverage do I need?
Do I need added coverage for expensive stereo equipment?
Am I covered when pulling a rental trailer?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving a rental car?
Where can I get insurance after a DUI in my state?
When should I not file a claim?
How much liability coverage do I need in my state?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Don’t be fooled by advertising claims

Consumers can’t get away from ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. They all make an identical promise of big savings if you change to their company.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured could be over the age of 40, has no prior claims, and chooses high deductibles. A propective insured who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for this ideal profile will be charged higher prices which leads to the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can advertise the savings. That is why drivers should get quotes from several different companies. It’s just too difficult to predict which car insurance company will provide you with the cheapest rates.

Best coverage at the best price

We just covered a lot of information how to reduce Honda CR-Z insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.

Cheaper Honda CR-Z insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

People who switch companies do it for any number of reasons including being labeled a high risk driver, questionable increases in premium, policy non-renewal and even policy cancellation. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.