2011 Honda CR-Z Insurance Cost – 5 Ideas for Cheapest Prices
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UPDATED: May 12, 2022
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Looking for the cheapest insurance coverage rates for your Honda CR-Z? Finding the cheapest insurance for a Honda CR-Z can normally be a painful process, but you can learn a few tricks to make it easier.
There are more efficient ways to buy insurance coverage and we’ll show you the best way to price shop coverage for a new or used Honda and get the best price possible from both online companies and local agents.
Smart consumers take time to shop coverage around every six months since rates are rarely the same from one policy term to another. Just because you had the lowest price for CR-Z coverage on your last policy there is a good chance you can find better rates now. So forget anything you know (or think you know) about insurance coverage because we’re going to show you the easiest way to lower your annual insurance bill.
Free Quotes for Auto Insurance
Shopping for lower auto insurance rates can be exhausting if you don’t utilize the easiest way. You could waste time driving to agents in your area, or you could save time and use online quotes to get pricing more quickly.
Most major companies participate in a marketplace where prospective buyers submit one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for every auto insurance company.
To compare pricing click here (opens in new window).
The one disadvantage to comparing rates this way is you can’t choose which carriers you will receive quotes from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, ensure you are comparing apples-to-apples deductibles and coverage limits with each company. If the quotes have higher or lower deductibles then you won’t be able to decipher which rate is best.
Do I need special coverages?
When buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.
- Does coverage extend to my business vehicle?
- Are there companies who specialize in insuring high-risk drivers?
- Is my 2011 Honda CR-Z covered for flood damage?
- What are the financial responsibility laws in my state?
- When do I need to add a new car to my policy?
- How much underlying liability do I need for an umbrella policy?
- Do I pay less for low miles?
- Does my policy cover me when driving someone else’s vehicle?
- How much liability do I need to cover my assets?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.
Information about specific coverages
Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Auto liability insurance
Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for things such as structural damage, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, theft, a broken windshield, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like pain medications, nursing services, rehabilitation expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
This pays for damage to your CR-Z resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
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