Have you had enough of trying to scrape together enough money to insure your Honda every month? Your situation is no different than the majority of other car owners.
With consumers having so many companies and agents to choose from, it’s nearly impossible to choose the most affordable car insurance company.
It’s important to compare rates quite often since rates change regularly. Even if you got the best rates for CRX coverage six months ago other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to properly buy coverages and cut your premium.
Buying car insurance is easy if you know what you’re doing. In a nutshell, anyone who carries car insurance will more than likely be able to cut their insurance bill. But drivers benefit from understanding how insurance companies sell online and apply this information to your search.
Discounts are basically free money
Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known car insurance savings.
- Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for CRX coverage with certain companies.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
- Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.
You may need specialized coverage
When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation will benefit from professional help.
- Exactly who is provided coverage by my policy?
- Should I rate my Honda CRX as pleasure use or commute?
- Why does it cost so much to insure a teen driver?
- Do I have coverage when making deliveries for my home business?
- Can my teen driver be rated on a liability-only vehicle?
- Am I covered when driving a rental car?
- Should I buy only the required minimum liability coverage?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Quote online but still have a local agent
Some people prefer to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is you may find lower rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, your insurance data is sent to local insurance agents who will compete for your insurance coverage. There is no reason to even leave your home since price quotes are sent straight to your inbox. It doesn’t get any easier! You can find better rates AND an agent nearby.
Picking a company should depend on more than just the bottom line cost. Any agent should be forthright in answering these questions:
- Do they make recommendations based only on price?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What insurance company do they write the most business with?
- How are claims handled?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What insurance companies do they recommend if they are an independent agent?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If your car is totalled, how to they determine the replacement cost?
How to choose the best insurance agency
When finding a good insurance agency, you need to know there are two different types of agents from which to choose. Agents are classified as either captive or independent.
Agency Captives
These agents write business for a single company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so keep that in mind. They are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Independent Agents (or Brokers)
These agents do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.
When comparing rates, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices.
To view a full list of agents, click here.
Once you have received answers to your satisfaction to any questions you have and an affordable coverage quote, you may have just found an auto insurance agent that can properly insure your vehicles.
More quotes mean more savings
You just read some good ideas how to compare Honda CRX insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small local company. They may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.
Low-cost Honda CRX insurance is available both online in addition to many insurance agents, and you need to price shop both to have the best selection. A few companies do not provide online quoting and these regional insurance providers work with independent agents.
