If you’re searching for lower-cost insurance online, are you confused by the sheer number of auto insurance companies available to you? You have such a vast assortment of companies available that it can easily turn into a ton of work to find better premium rates for Honda CR-Z insurance in San Diego. If you live there, you know that San Diego has many things to offer, but trying to pay high auto insurance rates can make it impossible to afford good insurance coverage.
Surprisingly, a recent survey revealed that 70% of consumers have purchased from the same company for a minimum of four years, and nearly half have never compared rates from other carriers. With the average premium in California being $1,400, drivers could save an average of nearly 35% each year by just shopping around, but they don’t know the amount of savings they would get if they switched to a cheaper policy.
Consumers should take time to do rate comparisons before your policy renews because auto insurance prices go up and down regularly. If you had the lowest price on Honda CR-Z insurance in San Diego at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because you’re about to learn the proper way to reduce your cost while improving coverage.
Best companies for Honda CR-Z insurance
The providers in the list below have been selected to offer free rate quotes in San Diego, CA. If multiple companies are shown, it’s a good idea that you visit as many as you can to get the best price comparison.
Lower rates by qualifying for these five discounts
Auto insurance companies do not list every policy discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more on CR-Z insurance in San Diego.
- E-sign Discounts – Many insurance companies will give you a small discount for buying your policy on the internet.
- Good Student – Maintaining excellent grades may save you up to 25%. The discount lasts until age 25.
- Switch and Save Discount – Some auto insurance companies give discounts for switching policies before your current coverage expires. You may see this discount when you get San Diego auto insurance quotes online.
- Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
Policy discounts save money, but many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
To see providers that offer some of these discounts in San Diego, click here to view.
Don’t assume everyone needs the same car insurance coverage
Always remember that when buying the right insurance coverage, there really isn’t a “best” method to buy coverage. Each situation is unique.
Here are some questions about coverages that may help you determine if your situation might need professional guidance.
- How much liability coverage do I need in California?
- Is my Honda CR-Z covered for flood damage?
- What is an SR-22 filing?
- Should I rate my Honda CR-Z as pleasure use or commute?
- Is there a penalty for late payment?
- Am I covered if I back into my garage door?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Car insurance quotes from local San Diego insurance agencies
Certain consumers would prefer to sit down with an agent and that can be a smart move One of the benefits of comparing rates online is that you can obtain lower rates and still have a local agent.
To make it easy to find an agent, after completing this simple form, your information is instantly submitted to companies in San Diego who want to provide quotes for your insurance coverage. You never need to contact any agents since rate quotes are delivered to you. You can find the lowest rates AND an agent nearby. If for some reason you want to get a comparison quote from a specific company, just navigate to their website and submit a quote form there.
Picking the best insurance company is decision based upon more than just the quoted price. Here are some questions to ask:
- Do they have cheaper tiers of coverage?
- If you are a high risk driver, do they have special markets for your coverage?
- Is every driver in your family covered?
- Are there any extra charges for paying monthly?
- Do they prorate repair cost based on vehicle mileage?
Auto insurance agents in San Diego come in two varieties
When narrowing the list to find a local San Diego insurance agent, you should know the different agency structures and how they operate. Car insurance policy providers are classified as either independent (non-exclusive) or exclusive.
Agents that elect to be exclusive can only write with one company and examples are State Farm, AAA, and Liberty Mutual. They usually cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to buy from exclusive agents mainly due to the brand instead of buying on price only.
Below are San Diego exclusive agencies that can give you price quote information.
- Mike Moore – State Farm Insurance Agent
12880 Rancho Penasquitos Blvd d – San Diego, CA 92129 – (858) 484-1297 – View Map
- Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
- Myles Collins – State Farm Insurance Agent
9920 Mira Mesa Blvd A – San Diego, CA 92131 – (858) 271-6400 – View Map
Independent Insurance Agents
Agents that choose to be independent do not work for one specific company and that allows them to write policies through many different car insurance companies enabling the ability to shop coverage around. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing car insurance prices, we recommend you get insurance quotes from multiple independent agents to get the best comparison. Most also write with smaller companies which can save you money.
The following is a short list of independent insurance agencies in San Diego willing to provide comparison quotes.
- Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map
- Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map
- Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map
Car insurance advertising gotchas
Respected companies like State Farm, Allstate and GEICO consistently run ads in print and on television. All the ads make the same claim that drivers can save some big amount if you change to them. How is it plausible that every one can offer drivers better rates? It’s all in the numbers.
Companies have a preferred profile for the right customer that makes them money. A good example of this type of risk profile may be over the age of 50, carries high limits, and insures a new vehicle. Any customer that meets those criteria will probably get cheap rates and is almost guaranteed to save some money.
Insureds who cannot meet the “perfect” profile will be quoted higher premiums which results in the customer buying from a different company. The ad wording is “customers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can confidently make the claims of big savings. Because every company is different, drivers must quote coverage with many companies. It is impossible to predict which car insurance company will give you the biggest savings.
Specifics of your auto insurance policy
Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
This pays to fix your vehicle from 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 insurance covers things like hail damage, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This coverage will cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, court costs, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but drivers should carry more coverage.
This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like crashing into a building, driving through your garage door, hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your CR-Z to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for expenses for things like dental work, ambulance fees, pain medications, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Quote more and you will save more
Some insurance companies do not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent agents. Discount Honda CR-Z insurance is possible on the web and with local San Diego insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
We just showed you many tips how you can shop for Honda CR-Z insurance online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding low cost San Diego auto insurance quotes. You may even find the best price on car insurance is with a lesser-known regional company.
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage and learned later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.
To read more, take a look at the resources below:
- Smart Auto Insurance Tips (Insurance Information Institute)
- How Much are Car Insurance Rates for a Toyota Camry in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in San Diego? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Kia Forte in San Diego? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Red Light Cameras (State Farm)