Honda CR-Z Insurance Rate Quotes in San Francisco

It takes a few minutes, but the best way to get the cheapest Honda CR-Z insurance is to make a habit of regularly comparing prices from different companies that sell auto insurance in San Francisco. This can be done by completing these steps.

  1. Take a few minutes and learn about how companies set rates and the things you can change to prevent high rates. Many rating factors that result in higher rates like speeding tickets, careless driving and poor credit history can be remedied by improving your driving habits or financial responsibility.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can quote prices from multiple companies.
  3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate, make sure there is no lapse in coverage.

A valuable tip to remember is to compare the same deductibles and limits on each price quote and and to get rate quotes from as many companies as you can. Doing this guarantees an accurate price comparison and the best price selection.

Insurance quote for Honda CR-Z in San FranciscoIt’s well known that insurance companies don’t want you quoting rates from other companies. Consumers who shop around at least once a year will, in all likelihood, move their business because of the good chance of finding coverage at a cheaper rate. A recent survey found that drivers who compared prices regularly saved $72 a month as compared to drivers who never shopped for cheaper rates.

If finding the lowest price for Honda CR-Z insurance is your objective, then having some insight into how to quote and compare car insurance can make it easier for you to save money.

If you currently have a car insurance policy, you will most likely be able to reduce the price you pay using the concepts covered in this article. Finding and comparing affordable policy in San Francisco is not as difficult as people think. Although California drivers must learn how big insurance companies determine prices because it can help you find the best coverage.

The easiest way to compare policy rates for Honda CR-Z insurance in San Francisco is to realize most of the bigger providers pay for the opportunity to give free rates quotes. The only thing you need to do is provide information including how much you drive, the year, make and model of vehicles, whether you are married, and if it has an alarm system. Your information is sent automatically to insurance companies and they respond with quotes within a short period of time.

To compare multiple company lower-cost Honda CR-Z insurance rates now, click here and find out if you can get cheaper insurance in San Francisco.

The companies in the list below offer free rate quotes in California. If multiple companies are shown, we recommend you visit several of them to find the most affordable car insurance rates.

Discounts for cheap car insurance rates

Insurance can be prohibitively expensive, but you might find some hidden discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but some may not be applied and must be requested specifically before being credited.Discount car insurance

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A list of car insurance companies and some of the discounts include:

If you need lower rates, check with every prospective company what discounts are available to you. A few discounts may not apply in San Francisco.

Getting quotes from local San Francisco car insurance agents

Many people still prefer to talk to a local agent and that is OK! One of the great benefits of comparing rates online is you may find the lowest rates but also keep your business local. And supporting small agencies is important particularly in San Francisco.

Insurance agency in San FranciscoFor easy comparison, once you complete this form (opens in new window), your coverage information is emailed to local insurance agents who will return price quotes for your insurance coverage. You don’t have to search for an agent since rate quotes are delivered directly to your email. You can get cheaper auto insurance rates without a big time investment. If you wish to get a price quote from one company in particular, you can always go to their quote page to submit a rate quote request.

Two types of San Francisco auto insurance agents

If you would like to find a local San Francisco insurance agent, there are two different types of agents and how they differ in how they can insure your vehicles. Auto insurance agents in San Francisco are categorized either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agents do not write with just one company so they have the ability to put coverage through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, your agent can just switch to a different company which requires no work on your part. When comparing auto insurance prices, you will want to get some free quotes from at least one independent agent to get the most accurate price comparison. Most also have access to lesser-known insurance companies who may have lower rates.

Shown below are independent insurance agencies in San Francisco that may be able to give you price quote information.

View more San Francisco agents

Exclusive Auto Insurance Agents

These type of agents have only one company to place business with like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive agents are highly trained on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents mostly because of the brand name and solid financial strength.

The following are San Francisco exclusive insurance agencies willing to provide price quote information.

View more San Francisco agents

Deciding on an car insurance agent shouldn’t rely on just a low price. You should also get answers to these questions.

It’s not one size fits all

When it comes to insurance from an agent or online for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.Drive safe and save

For instance, these questions can help discover whether your personal situation will benefit from professional help.

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Learn How to Quote Car Insurance Cheaper

A large part of saving on car insurance is knowing a few of the rating criteria that are used to determine the rates you pay for car insurance. When you understand what influences your rates, this empowers consumers to make smart changes that can help you get lower car insurance prices. Lots of things are used when you get a price on insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious like your vehicle usage or your commute time.

Marriage can save on car insurance – Walking down the aisle may save some money on car insurance. Marriage demonstrates that you tend to be more financially stable and statistics show married couples file fewer claims.

Car features can affect prices – Owning a car with advanced anti-theft systems can help lower your rates. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.

Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and thus lower rates.

Raise your comp and collision deductibles for better rates – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered could be colliding with a building, vandalism, and windstorm damage. The deductibles are the amount of money you are willing to pay if you file a covered claim. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance.

Insurance loss data for a Honda CR-Z – Companies use past loss statistics for each vehicle when they file their rates in each state. Models that statistically have a trend towards higher claim severity or frequency will have increased rates.

The next table illustrates the collected loss data for Honda CR-Z vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Percentage values below 100 suggest a positive loss record, while values that are 100 or greater show a trend for more claims or an increased probability of a larger loss.

Insurance Loss Ratings for Honda CR-Z Vehicles
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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Best reasons to buy auto insurance in California

Even though San Francisco CR-Z insurance rates can get expensive, buying auto insurance may be mandatory for several reasons.

The benefits of having auto insurance greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in San Francisco is overpaying over $700 annually so compare quotes from several companies each time the policy renews to ensure rates are competitive.

You can lower your car insurance rates

Discount Honda CR-Z insurance in San Francisco is possible online in addition to many San Francisco insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not offer online quoting and most of the time these small insurance companies work with independent insurance agencies.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

You just learned a lot of tips how to shop for Honda CR-Z insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Additional resources