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Honda HR-V Insurance Rates

Buying car insurance from online companies saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible in order to have the cheapest rate quotes.

Shopping online for car insurance can be complicated if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to compare Honda HR-V insurance cost is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your Honda HR-V will vary greatly and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new Honda models so the payout to repair may end up costing you less. But more recent Honda vehicles have more advanced features including lane departure warning system, dual-stage airbags, and pedestrian detection so those may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage - This will cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your Honda resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Honda HR-V Insurance Rates?