Cut your Honda CR-Z Insurance Rates in Five Minutes
If shopping for auto insurance was more enjoyable, it would get done more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You probably feel the same way when trying to find cheaper coverage for your Honda CR-Z.
Step One: Compare Rates
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Now that we have the internet, shopping for car insurance online is a snap!
The first step to finding lower Honda CR-Z rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your CR-Z is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your CR-Z for Less
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your CR-Z insurance rates.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Purchase a New Policy
Once you have compared identical rate quotes for your CR-Z and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
Coverage will extend from your current policy if you're buying a Honda CR-Z, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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