View 2016 Honda HR-V Insurance Quotes

Trying to find cheaper insurance for a Honda HR-V can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to quote coverages for your Honda and get the best price possible either online or from local insurance agents.

You need to get comparison quotes as often as possible because insurance rates are constantly changing. If you had the best premium rates on HR-V insurance two years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to quote online to get good coverage at a lower rate.

Buying affordable insurance coverage coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to learn the proper methods to compare company rates online.

Lower your insurance premiums

Consumers need to have an understanding of some of the things that are used to determine auto insurance rates. When consumers understand what influences your rates, this enables you to make decisions that can earn you better auto insurance rates.

The list below includes some of the most common factors utilized by car insurance companies to help set your rates.

• Pay more by driving carelessly – Having a clean driving record has a big impact on rates. Attentive drivers get better prices as compared to those with violations. Only having one driving citation can bump up the cost by twenty percent. Drivers who get multiple violations like DUI or willful reckless driving might be required by their state to complete a SR-22 with the DMV in their state in order to legally drive.
• City traffic equals higher premiums – Living in small towns and rural areas may provide you with better prices when insuring your vehicles. Residents of big cities regularly have traffic congestion and more time behind the wheel. Fewer people means reduced accidents and a lower car theft rate.
• Bad credit hurts insurance prices – Having a good credit history factor in determining what you pay for auto insurance. People that have good credit tend to be more responsible than those with lower credit scores. So if your credit history could use some work, you could pay less to insure your 2016 Honda HR-V by taking the time to improve your credit score.
• Optional features impact prices – Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
• Do you qualify for a multi-policy discount? – Many auto insurance companies provide discounts to clients who carry more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal.
• Stay claim-free and save money – If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies provide the lowest premiums to people who only file infrequent claims. Your car insurance is intended for the large, substantial claims.
• Occupation can influence rates – Did you know your career choice can influence rates? Careers like real estate brokers, executives and medical professionals usually pay higher premiums than the average policyholder attributed to intense work requirements and lots of time spent away from family. On the flip side, occupations like professors, athletes and performers generally pay rates lower than average on HR-V insurance.

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Finding insurance

Finding cheaper insurance rates can be quick and easy. The only requirement is to take a couple of minutes to compare rate quotes from online providers. Shoppers can get rates by following the guidelines below.

1. Probably the best way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing separate quote forms for each company you want a rate for. One simple form gets you price quotes from insurance companies with the best prices. It’s definitely the quickest method.
2. A less efficient way to compare rate quotes is to manually visit each company website and repeat the quote process. For instance, let’s say you want rates from Allstate, Safeco and GMAC. In order to get each rate, you would have to go to each individual site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to use the same quote data for each quote you get. If you use different data it will be very difficult to find the best deal for your Honda HR-V.

Don’t listen to company ads

Consumers constantly see and hear ads that claim the best rates by companies like State Farm, Geico and Progressive. They all try to convey promises that you can save if you switch your coverage.

How do they all make almost identical claims? You have to listen carefully.

Insurance providers require specific criteria for the type of customer that earns them the highest profit. One example of a profitable risk profile may need to be over the age of 40, is a homeowner, and drives a safe vehicle. A propective insured who meets those qualifications will get very good car insurance rates and will most likely save a lot if they switch.

Potential customers who are not a match for the “perfect” profile may be required to pay a more expensive rate which usually ends up with business going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” save money. That is how companies can truthfully advertise the savings.

Because every company is different, drivers should do a price quote comparison at every renewal. It’s just too difficult to predict which insurance company will provide the lowest rates.

Lower rate quotes with discounts

Auto insurance companies don’t always list the complete list of policy discounts in a way that’s easy to find, so the below list has a few of the more common and the more hidden ways to save on car insurance.

• Multiple Vehicles – Buying a policy with multiple cars with the same car insurance company can reduce the rates for all insured vehicles.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate and State Farm will allow you to have one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
• Payment Method – By making one initial payment instead of paying each month you may reduce your total bill.
• Defensive Driver Discounts – Taking part in a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
• Service Members Pay Less – Having a family member in the military could qualify you for better prices.
• New Car Discount – Insuring a new car can get you a discount because newer vehicles have to meet stringent safety requirements.

One last thing about discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

Larger car insurance companies and a selection of discounts are included below.

• 21st Century may include discounts for teen driver, good student, automatic seat belts, defensive driver, air bags, and early bird.
• State Farm offers discounts including good student, student away at school, safe vehicle, accident-free, Steer Clear safe driver discount, and multiple autos.
• AAA policyholders can earn discounts including anti-theft, good driver, multi-policy, education and occupation, AAA membership discount, and multi-car.
• Liberty Mutual discounts include safety features, preferred payment discount, good student, teen driver discount, multi-policy, hybrid vehicle, and exclusive group savings.
• Progressive offers premium reductions for homeowner, multi-policy, online signing, online quote discount, good student, and multi-vehicle.

If you are trying to find inexpensive insurance quotes, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To locate insurers that offer discounts, click this link.

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What is the best insurance coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

For example, these questions can aid in determining if your insurance needs might need professional guidance.

• Is my 2016 Honda HR-V covered for smoke damage?
• Is my babysitter covered when using my vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I bundle my homeowners policy with my auto?
• Can I afford low physical damage deductibles?
• Can I make deliveries for my home business?
• What vehicles should carry emergency assistance coverage?
• Do I benefit by insuring my home with the same company?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage pay for bills like prosthetic devices, EMT expenses, funeral costs, hospital visits and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Honda HR-V.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Auto liability insurance – This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, structural damage, medical expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, hail damage, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays for damage to your HR-V resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Make a quick buck

Cheaper insurance coverage is attainable both online and from local agencies, so you need to shop insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get quotes online and most of the time these smaller providers provide coverage only through local independent agencies.

When searching for affordable insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best price, but do not skimp to save money.

We just showed you many ways to lower your 2016 Honda HR-V insurance prices. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the best prices are with a lesser-known regional company.

More information can be read at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)

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