Cheaper 2022 Honda HR-V Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Overpriced car insurance can take a big chunk out of your monthly budget and force you to cut corners elsewhere.

Popular companies such as Progressive, GEICO and Farmers Insurance continually hit you with advertising and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Finding affordable coverage is quite easy. But car owners benefit from understanding how the larger insurance companies price online insurance and apply this information to your search.

Cut your auto insurance rates with discounts

Some providers don’t necessarily list all available discounts in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

  • E-sign Discounts – A few larger online companies will give a small break for buying your policy on your computer.
  • Safety Course Discount – Taking part in a defensive driver class could earn you a small percentage discount and make you a better driver.
  • Good Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for HR-V coverage than drivers with accident claims.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student Discount – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

You should keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Insurance companies that may offer policyholders these money-saving discounts may include but are not limited to:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not be offered everywhere.

Shop car insurance online

When looking for inexpensive auto insurance quotes, there are a couple ways to obtain and compare prices from local car insurance companies. The fastest way to find cheaper 2022 Honda HR-V rates is to use the internet to compare rates. This can be accomplished in a couple minutes as outlined below.

  • The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form. This quick form prevents you from having to do boring form submissions to each individual car insurance company. One quote request compares rates from car insurance companies with the best prices.
  • A different way to find lower rates requires a visit to each company’s website and request a quote. For sake of this example, let’s say you want to compare prices for Progressive, State Farm and GEICO. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, and that explains why we recommend the first method.
  • The least efficient and most time consuming way of comparing rate quotes is to drive around to local insurance agencies. Shopping for car insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the professional advice only provided by licensed agents. You can, however, get prices online and still use a local agent.

Whichever way you use, be certain you are entering identical coverage limits on every quote you get. If you are comparing mixed coverages you can’t possibly determine which company has the best rates. Just a small difference in coverage limits could mean much higher rates. And when comparison shopping, more quotes will improve the odds of getting lower pricing.

You are unique and your insurance coverage should be too

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my babysitter drive my car?
  • Why do I only qualify for high-risk insurance?
  • How can I find cheaper teen driver insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my 2022 Honda HR-V need full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverages for a Honda HR-V

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, dental work, funeral costs and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2022 Honda HR-V.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, funeral expenses, court costs and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision – Collision coverage pays for damage to your HR-V from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Summing up your insurance search

Low-cost 2022 Honda HR-V insurance is definitely available from both online companies in addition to many insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who may not have price quotes online and many times these smaller companies work with local independent agents.

We’ve covered quite a bit of information on how to lower your 2022 Honda HR-V insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

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