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Honda HR-V Insurance Rates

Finding cheaper car insurance through online rate quotes is simple to do, in addition you may find lower rates. The critical component is to get rates from as many companies as possible so you can get the cheapest rate quotes.

Finding the best direct price on car insurance can be complicated if you have never used online quoting. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from local car insurance companies. The recommended way to find competitive Honda HR-V insurance cost is to perform an online rate comparison. This is very easy and can be done by completing this short form.

FREE Car Insurance Comparison

Criteria which help determine your insurance rates

Insurance premiums for your Honda HR-V can fluctuate considerably subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your job
  • Your coverage level
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new Honda models so the payout to repair can decrease annual premiums. On the flip side, more recent Honda vehicles have more advanced features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability - Honda HR-V liability coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your Honda resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper Honda HR-V insurance rates.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Honda HR-V Insurance Rates?