How To Guide to Buying Auto Insurance for a Honda CRX

Searching for cheaper insurance for a Honda CRX could be difficult, but you can use the following methods to save time. There is a better way to find auto insurance online so we’re going to tell you the quickest way to quote coverages on a Honda and get the best price possible from local insurance agents and online providers.

Honda CRX insurance rates are influenced by…

It’s important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

  • Credit scores impact auto insurance rates – Having a bad credit score is a big factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could be paying less to insure your Honda CRX by repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit.
  • Your location is important – Choosing to live in small towns and rural areas can be a good thing when it comes to auto insurance. Lower population means a lower chance of having an accident. Drivers in populated areas have to deal with much more traffic to deal with and longer commute times. More time on the road means higher likelihood of an accident.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Honda is rated at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Pay less if you’re married – Being married can get you a discount on your policy. It usually means you are more responsible and statistics show married couples file fewer claims.
  • Your car’s features help determine rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Finding Auto Insurance

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm give pricing on their websites. This process is fairly simple as you simply type in your required coverages as requested by the quote form. Behind the scenes, the system will order your credit score and driving record and gives you a price quote.

This makes it a lot easier to compare rates but having to visit different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to do this in order to find the lowest auto insurance rates.

The easy way to compare rates

The preferred way to lower your rates utilizes a single form that gets prices from several companies at one time. The form is fast, eliminates form submissions, and makes rate comparisons much more efficient. Immediately after submitting the form, it is quoted and you can select any one of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in the coverage information as close as possible to your current policy. This ensures you will get a rate comparison using the exact same coverages.

Take advantage of discounts

Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known auto insurance savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to. car insurance

  • Club Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance for CRX insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Paperless Signup – A few companies will give a small break simply for signing digitally online.
  • Student in College – Children who live away from home and don’t have a car may qualify for this discount.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for CRX insurance.

Keep in mind that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Quote online but still have a local agent

Some consumers would rather buy from a licensed agent and there is nothing wrong with that. Professional agents can answer important questions and help submit paperwork. The best thing about getting online price quotes is that you can obtain the best rates and still choose a local agent.

By using this quick form, your insurance data is emailed to insurance agents who will compete for your coverage. There is no reason to even leave your home since price quotes are sent directly to your email. How’s that for easy!

Selecting an insurance company requires more thought than just a cheap price. Here are some questions to ask:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • What insurance companies do they recommend if they are an independent agent?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Can they provide you with a list of referrals?
  • Are there any discounts that you might be missing?
  • How many years of experience in personal lines insurance coverages do they have?

What type of insurance agent is right for you?

When finding a reliable agent, there are two different types of agents that you can select. agents can either be independent or captive. Both write coverage properly, but it’s good to learn how they differ because it can influence your agent selection.

Agency Captives

Captive agents can only write with one company and examples are State Farm, Allstate and AAA. These agents are unable to shop your coverage around so always compare other rates. Captives are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers often choose to use a captive agent primarily because of the prominence of the brand and strong financial ratings.

Independent Insurance Agents

These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s a good idea to include at least one independent agent to have the most options to choose from. They often place coverage with lesser-known insurance companies which can save you money.

For a full directory of agencies, click here.

compare CRX insurance prices

Upon getting positive feedback to any questions you have and locked in a price quote, you may have just found a car insurance agent that will adequately provide auto insurance.

A little work can save a LOT of money

We covered a lot of information how to save on Honda CRX insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the best prices are with a small mutual company.

Lower-priced Honda CRX insurance can be bought both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. In many instances, an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.