Cheapest Rates for Honda CR-Z Insurance in Plano

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A recent insurance study discovered that most drivers in Texas have bought insurance from the same company for over three years, and just under half have never compared quotes from other companies. Most drivers in the U.S. can cut their rates by as much as $860 a year by just shopping around, but most just don't grasp how much they could save if they moved their coverage to a different company.

Discount Honda CR-Z insuranceIf you want to find the absolute lowest rates, then the best way to find affordable Honda CR-Z insurance is to regularly compare quotes from insurers in Plano. You can compare prices by completing these steps.

  1. Spend some time learning about how insurance companies determine prices and the measures you can control to prevent rate increases. Many policy risk factors that are responsible for high rates like traffic violations and a negative credit score can be remedied by improving your driving habits or financial responsibility. Keep reading for more information to help find cheaper rates and find possible discounts that are available.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive and State Farm, while agents who are independent can provide prices for many different companies.
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you can save some money and decide to switch, make sure there is no coverage gap between policies.

An important bit of advice to remember is to make sure you enter identical limits and deductibles on each price quote and and to get prices from every company you can. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.

Finding and comparing affordable policy in Plano can be fairly easy. Nearly every vehicle owner who requires lower cost auto insurance will probably buy a cheaper policy. But Texas vehicle owners need to have an understanding of how big insurance companies charge you for coverage because rates fluctuate considerably.

To find low cost quotes, there are a couple of ways to obtain and compare prices from local Plano car insurance companies. By far the easiest way to find competitive Honda CR-Z insurance rates is to jump online and get quotes.

Comparison shopping price quotes online is easy and it replaces the need to go to insurance agents' offices. The ability to quote Honda CR-Z insurance online can eliminate the need for a local agent unless you require the professional abilities that can only be provided by a licensed insurance agent. It is possible with some companies price shop online but purchase the actual policy in an agency. It's important to know that making a lot of price comparisons increases the chance that you will find the best offered rates. Not every company does Plano CR-Z insurance quotes online, so it's necessary to compare prices from them, too.

The companies shown below offer price comparisons in Texas. To buy cheap auto insurance in TX, we suggest you click on several of them in order to get a fair rate comparison.

Discounts can help to save on Honda CR-Z insurance in Plano

Insurance is expensive, but there's a good chance there are discounts to help bring down the price. Some discounts will apply when you purchase, but some need to be specifically requested prior to receiving the credit.Discount insurance

  • College Student - Any of your kids who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
  • Drive Less and Save - Low annual miles may enable drivers to earn slightly better prices than normal.
  • Life Insurance Discount - Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy auto and life insurance together.
  • Discounts for New Vehicles - Buying a new car model is cheaper since newer models are generally safer.
  • Early Switch Discount - Select insurance companies give a discount for renewing your policy early. You may see this discount when you get Plano car insurance quotes online.
  • Braking Control Discount - Vehicles that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Passive Restraint Discount - Factory options such as air bags or motorized seat belts may qualify for discounts up to 30%.

Just know that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way. Any amount of discount will lower your overall premium however.

A few companies that may offer these discounts may include but are not limited to:

Double check with every company to give you their best rates. Some credits might not apply in your state. To find providers who offer cheap Honda CR-Z insurance quotes in Texas, click here.

Best auto insurance company in Texas

Ending up with a high-quality car insurance company can be rather challenging considering how many companies there are in Texas. The company rank data shown below may help you pick which providers to look at when shopping your coverage around.

Best Auto Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Lower Your Plano Insurance Prices

Smart consumers have a good feel for some of the elements that aid in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that could help you find lower insurance prices.

High credit saves on insurance - Having a bad credit score can be a huge factor in determining your rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit history can use some improvement, you could pay less to insure your Honda CR-Z by spending a little time repairing your credit.

Reserve policy claims for larger damages - Auto insurance companies in Texas give the lowest premiums to people who only file infrequent claims. If you frequently file small claims, you can expect higher rates. Insurance coverage is intended for claims that you cannot pay yourself.

Better prices on vehicles with better crash test results - Safer cars tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means less money paid by your insurance company which can result in lower premiums. If your Honda CR-Z scored better than four stars on Safercar.gov you may qualify for a discount.

High performance equals high premiums - The performance level of the car, truck or SUV you need insurance for makes a substantial difference in how high your rates are. Small economy passenger cars normally have pretty low rates, but the final cost of insurance is determined by many other factors.

With age comes responsibility - Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents, and usually have better credit. Teenage drivers are statistically shown to be more careless when behind the wheel and because of this, their insurance rates are much higher.

Higher comp and collision deductibles reduce premiums - Your deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are colliding with a stationary object, hail damage, and damage from wind. The larger the amount the insured has to pay upfront, the lower your rates will be.

Married people drive safer - Having a wife or husband helps lower the price on your policy. Having a significant other usually means you are more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.

How much liability protection - The liability coverage on your policy will provide protection in the event that a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Honda CR-Z insurance loss probability - Insurers take into consideration insurance loss statistics for every vehicle to help determine rates. Models that tend to have increased claim numbers or amounts will cost more to insure. The table below demonstrates the insurance loss data used by companies for Honda CR-Z vehicles.

For each policy coverage type, the claim probability for all vehicles as a whole is represented as 100. Values under 100 suggest a positive loss record, while percentage numbers above 100 point to more frequent losses or larger claims.

Insurance Loss Ratings for Honda CR-Z Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda CR-Z Hybrid 106 87 83 98
BETTER
AVERAGE
WORSE

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Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years