Save on 2020 Honda HR-V Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Finding low-cost insurance for a Honda HR-V can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the quickest way to compare rates on a Honda and get the best price possible.

How to lower your auto insurance cost

Comparing auto insurance rates can be exhausting if you aren’t aware of the easiest way. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing quote requests for each company.

To access this free quoting program, enter your zip code here.

The single downside to getting quotes like this is you cannot specify which insurance companies to get quotes from. So if you want to choose specific providers to compare rates, we put together a list of companies who write auto insurance in your area. Click to enter zip code.

However you get your quotes, make sure you compare apples-to-apples coverage data for each quote you get. If you compare mixed coverages it will be very difficult to determine which rate is truly the best.

Do you qualify for discount car insurance?

Auto insurance companies don’t always list all possible discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you are throwing money away.

  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Auto/Home Discount – If you can combine your home and auto policy with the same company they may give you a discount of up to 20% and get you the cheapest insurance coverage.
  • Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less for HR-V insurance than less cautious drivers.
  • Multi-car Discount – Purchasing coverage when you have several vehicles on one policy can reduce rates for all insured vehicles.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for substantially lower car insurance rates.
  • Auto/Life Discount – Larger insurance carriers have a break if you buy life insurance from them.
  • Military Rewards – Having an actively deployed family member may lower your premium rates slightly.
  • New Car Discount – Insuring a new car is cheaper since new vehicles have better safety ratings.
  • Waiver for an Accident – Not a discount per se, but some insurance companies will let one accident slide without raising rates so long as you haven’t had any claims prior to being involved in the accident.
  • Onboard Data Collection – Policyholders that allow driving data collection to study when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.

It’s important to note that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky.

To see providers who offer free car insurance quotes, enter your zip code here.

What insurance coverages do I need?

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered by my spouse’s policy after a separation?
  • What is high-risk coverage and where do I buy it?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I carry comprehensive and collision coverage?
  • How do I buy GAP insurance?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete your zip code. It only takes a few minutes and can help protect your family.

The Honda HR-V insurance cost equation

Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or your vehicle rating.

  • Don’t abuse claims – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Insurance companies provide most affordable rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Avoid traffic tickets – Whether or not you get tickets influences premium rates substantially. Attentive drivers get better rates than their less careful counterparts. Even one citation can bump up the cost twenty percent or more. Drivers who have received serious violations like reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state DMV in order to prevent a license revocation.
  • Lower rates by increasing physical damage deductibles – Comp and collision deductibles define the amount you are required to spend if a covered claim is submitted. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of covered claims could be a windshield broken by a bird, fire damage, or theft of your vehicle. The more of the claim the insured has to pay upfront, the lower your rates will be for HR-V insurance.
  • Protect yourself with liability protection – The liability section of your policy is the coverage that protects you in the event that you are responsible for damages from an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Your employer can affect prices – Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, business owners and miners have higher rates than the rest of us due to high stress and lots of time spent away from family. On the other hand, occupations such as scientists, engineers and performers get better rates for HR-V insurance.
  • Annual miles is a factor – The more you drive each year the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those that get driven frequently. Verify your auto insurance policy shows the correct driver usage. Incorrect rating for your HR-V may be wasting your money.
  • Are males or females drivers cheaper? – Statistics have proven women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Both genders cause fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.

Information about specific coverages

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, rolling your car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as structural damage, attorney fees, repair costs for stationary objects, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for 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 can pay for claims like hitting a deer, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Save for a rainy day

You just learned some good ideas how to compare 2020 Honda HR-V insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Some insurance providers don’t offer the ability to get a quote online and usually these small, regional companies sell through independent agents. Budget-conscious 2020 Honda HR-V insurance can be found both online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from.

Drivers leave their current company for any number of reasons including policy cancellation, lack of trust in their agent, not issuing a premium refund or unfair underwriting practices. Whatever your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

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