How many years has it been since you compared the cheapest Honda CR-Z insurance in Tacoma? Did a good deal turn out to be an underperforming, overpriced insurance policy? Say no more because there are many people just like you.
Sad but true, most insurance policyholders have been with the same company for at least four years, and 38% of drivers have never shopped around. Many drivers in Washington could cut their rates by approximately 40% a year, but they assume it's a waste of time to save money by comparing rate quotes. Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute best rate on Honda CR-Z insurance in Tacoma.
Consumers should take time to check insurance prices every six months since insurance rates are rarely the same from one policy term to another. Even if you think you had the best premium rates on Honda CR-Z insurance in Tacoma at your last renewal you may be paying too much now. Block out anything you think you know about insurance because it's time to teach you the proper way to lower your annual insurance bill.
If you have coverage now or are shopping for new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Finding the cheapest car insurance coverage in Tacoma is really not that difficult. Smart buyers just have to know the quickest way to compare company rates from many companies at once.
Get cheaper Honda CR-Z insurance in Tacoma with discounts
Auto insurance can be pricey, but you may qualify for discounts that many people don't even know exist. A few discounts will be applied at the time of purchase, but a few need to be asked about prior to getting the savings.
- Waiver for an Accident - Not a discount per se, but some companies like State Farm and GEICO may permit one accident before raising your premiums as long as you don't have any claims for a set time period.
- Claim Free - Drivers who don't have accidents pay less when compared with drivers with a long claim history.
- Good Student - This discount can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Senior Discount - Older drivers are able to get reduced rates.
- Student Driver Training - It's a good idea to have your young drivers successfully complete driver's ed class if it's offered in school.
- Clubs and Organizations - Participating in a civic or occupational organization in Tacoma could earn you a nice discount on your bill.
Policy discounts save money, but many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.
A few popular companies and their possible discounts are:
- Farmers Insurance includes discounts for youthful driver, business and professional, pay in full, teen driver, and electronic funds transfer.
- Esurance may have discounts that include homeowner, online quote, defensive driver, Switch & Save, renters, DriveSense, and anti-theft.
- State Farm may include discounts for good student, anti-theft, safe vehicle, multiple autos, driver's education, Steer Clear safe driver discount, and good driver.
- GEICO may offer discounts for driver training, multi-policy, seat belt use, military active duty, emergency military deployment, anti-theft, and good student.
- Allstate offers discounts for anti-lock brakes, teenSMART discount, farm vehicle, eSmart discount, multi-policy, and early signing.
Before purchasing a policy, check with all the companies the best way to save money. A few discounts may not be offered in Tacoma.
Compare Tacoma Honda CR-Z insurance price quotes online
Cutting your Tacoma insurance rates is an easy way to save money. The only thing you need to do is take the time comparing free Tacoma car insurance quotes provided by online insurance companies.
It's so easy to compare rate quotes online that it takes the place of having to drive around to different Tacoma agent offices. Quoting and buying Honda CR-Z insurance online eliminates this option unless you're the type of person who wants the trained guidance that only a licensed agent can provide. Drivers can get prices online and still use a local agent.
The companies shown below have been selected to offer free rate quotes in Tacoma, WA. If multiple companies are shown, we suggest you visit two to three different companies to get the most affordable price.
Smart Buyers Save More
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that come into play when calculating auto insurance rates. If you have some idea of what influences your rates, this helps enable you to make changes that could result in lower auto insurance prices.
Drivers with responsible credit save - Having a bad credit history is a large factor in determining what you pay for auto insurance. Insureds with excellent credit scores tend to file fewer claims than drivers who have lower ratings. If your credit history can be improved, you could save money insuring your Honda CR-Z by taking the time to improve your credit score.
Good drivers have lower costs - Having a single speeding ticket or other violation can increase rates twenty percent or more. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Drivers unfortunate enough to have severe tickets such as DWI, reckless driving or hit and run convictions may need to prove financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
Pleasure use or commuting - The more you drive every year the more you will pay for auto insurance. The majority of insurers rate vehicles based on their usage. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. Ask your agent if your auto insurance policy correctly shows annual mileage. Improper usage on your CR-Z may be costing you.
Safeguard your assets with liability insurance - The liability coverage on your policy will protect you in the event that you are found to be at fault for physical damage or personal injury to other. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
Discounts for alarm systems - Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.
Men drivers tend to cost more - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Both sexes are in auto accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Male teenagers tend to get in the most accidents and are penalized with high auto insurance rates.
Cheaper rates with high physical damage deductibles - Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims are collision with another vehicle, vandalism, or theft. The deductibles you choose tell how much you are willing to pay if you file a covered claim. The more you're willing to pay, the lower your rates will be.
Honda CR-Z claim probability - Companies include the past claim trends for vehicles to help set a rate to offset losses. Models that the data determines to have increased claim numbers or amounts will have higher rates. The next table illustrates the insurance loss data used by companies for Honda CR-Z vehicles.
For each type of coverage, the statistical loss for all vehicles averaged together is a value of 100. Percentages below 100 suggest a positive loss record, while numbers above 100 point to more losses or an increased chance of larger losses than average.
Honda CR-Z Insurance Claim Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda CR-Z Hybrid||106||87||83||98|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Tailor your car insurance coverage to you
When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.
These are some specific questions can aid in determining if you will benefit from professional help.
- Does my policy cover my teen driver if they drive my company car?
- If my Honda CR-Z is totaled, can I afford another vehicle?
- Will my Honda CR-Z be repaired with OEM or aftermarket parts?
- When should I not buy collision coverage?
- How can I get high-risk coverage after a DUI?
- Is upholstery damage covered by car insurance?
- Am I better off with higher deductibles on my Honda CR-Z?
If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and may give you better protection.
Compare rates but buy from a local Tacoma insurance agency
Certain consumers just want to buy from a licensed agent and we recommend doing that Good insurance agents can answer important questions and help you file claims. One of the benefits of comparing auto insurance online is the fact that you can find cheaper premium rates and still choose a local agent. And buying from local agencies is important especially in Tacoma.
To find an agent, once you fill out this simple form, your information is emailed to insurance agents in Tacoma that give free quotes for your insurance coverage. There is no reason to find an agent because quoted prices will be sent to you directly. If you want to get a rate quote for a specific company, you would need to jump over to their website and fill out the quote form the provide.
If you are wanting to find a local Tacoma insurance agent, it can be helpful to understand the different types of agents and how they work. Agents in Tacoma can either be independent agents or exclusive agents. Either one can insure your vehicles properly, but it's a good idea to understand the difference between them because it may have an impact on your agent selection.
Independent Agents (or Brokers)
Independent agents often have many company appointments and that allows them to write policies amongst many companies and help determine which has the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When comparing rate quotes, you will definitely want to contact a couple of independent agencies so that you have a good selection of quotes to compare.
Below is a small list of independent insurance agencies in Tacoma that can give you free auto insurance rate quotes.
Asbjornsen Insurance Agency
3108 6th Ave - Tacoma, WA 98406 - (253) 759-3597 - View Map
Exclusive Auto Insurance Agencies
These agents can only write with one company like Farmers Insurance, State Farm, or Allstate. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. These agents are very knowledgeable in insurance sales which helps them compete with independent agents.
The following is a short list of exclusive agents in Tacoma that are able to give rate quotes.
Finding the right insurance agency should depend on more than just a cheap quote. The answers to these questions are important, too.
- Does the company have a solid financial rating?
- If they are an independent agency in Tacoma, which companies do they recommend?
- Do they have cheaper tiers of coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they have designations such as AIC, CPCU, or CIC?
- What company do they have the most business with?
- Is auto insurance their primary focus in Tacoma?
- Will your rates increase after a single accident?
Upon getting reasonable responses to your questions as well as a price you're happy with, you've probably found a car insurance agent that will adequately provide auto insurance. Just understand that policyholders can cancel coverage at any time so don't think you're contractually obligated to your new company for the full policy term.
Why you need Honda CR-Z insurance in Washington
Even though it's not necessarily cheap to insure a Honda in Tacoma, car insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means you are required to buy a specific level of liability coverage in order to license the vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your Honda CR-Z, more than likely the lender will force you to have physical damage coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Honda at a more expensive rate and require you to fork over much more than you were paying before.
Third, car insurance preserves both your assets and your car. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your Honda gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $850 per year so compare rates every year to ensure rates are inline.
Don't give up on cheap premiums
Drivers change insurance companies for any number of reasons including unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund and lack of trust in their agent. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.
Cheaper Honda CR-Z insurance in Tacoma is attainable from both online companies and with local Tacoma insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide internet price quotes and many times these small insurance companies only sell coverage through independent insurance agencies.
As you prepare to switch companies, you should never buy poor coverage just to save money. Too many times, an accident victim reduced collision coverage only to regret that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.
- How do I File a Claim? (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a 20 Year Old Female in Washington? (FAQ)
- What is the Best Car Insurance in Lakewood, Washington? (FAQ)
- Who Has the Cheapest Washington Auto Insurance Rates for Single Moms? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Washington? (FAQ)
- What Auto Insurance is Cheapest for Infrequent Drivers in Washington? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in Washington? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)