Cheapest 2016 Honda HR-V Insurance Rates in 2023
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UPDATED: Mar 4, 2020
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Nobody likes paying for insurance coverage, especially when their premiums are through the roof.
Because you have many companies to choose from, it is very difficult to choose the lowest cost company.
Finding the best rates is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. But vehicle owners benefit from understanding the way insurance companies market on the web and take advantage of how the system works.
Cut prices on 2016 Honda HR-V insurance
Car insurance companies don’t necessarily list every available discount very well, so here is a list both the well known as well as the least known car insurance savings.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
- Multi-policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
- Homeowners Pay Less – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
- Save over 55 – Older drivers may be able to get a discount up to 10% for HR-V coverage.
- Military Discounts – Being deployed with a military unit may qualify for rate reductions.
Drivers should understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.
Insurance companies who might offer these money-saving discounts may include but are not limited to:
It’s a good idea to ask each company how you can save money. Some discounts may not apply everywhere.
Tailor your coverage to you
When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.
- Is other people’s property covered if stolen from my vehicle?
- How much liability coverage do I need in my state?
- Do I need motorclub coverage?
- How do I buy GAP insurance?
- Do I have coverage when making deliveries for my home business?
- How do I insure my teen driver?
- At what point should I drop full coverage?
- Can I rent a car in Mexico?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
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Are you falling for claims of savings?
Car insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all say the same thing of big savings if you switch your coverage to them. How does each company make almost identical claims? This is how they do it.
All companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a preferred risk could be between the ages of 40 and 55, owns a home, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.
Potential insureds who fall outside the “perfect” profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save money. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will give you the biggest savings on Honda HR-V insurance.
Auto insurance coverages 101
Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.
Collision coverage protection
This covers damage to your HR-V caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda HR-V.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
This protects you from damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like emergency aid, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.
Comprehensive auto insurance
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, fire damage, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a auto 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 probably time to drop comprehensive insurance.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, pain medications and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Pennies from heaven
When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The proper strategy is to buy the best coverage you can find at an affordable rate.
We just showed you many ways to lower your 2016 Honda HR-V insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small local company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.
Low-cost insurance is available from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
Additional auto insurance information is located on the following sites:
- Alcohol Impaired Driving FAQ (iihs.org)
- Drunk Driving Statistics (Insurance Information Insitute)
- Car Insurance: When not to Skimp (BankRate.com)
- All About Airbag Safety (State Farm)
- Property Damage Coverage (Liberty Mutual)
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