Compare Honda CR-Z Insurance Rates in Nashville

It’s hard to believe, but almost 70% of drivers have bought insurance from the same company for well over three years, and approximately 40% of consumers have never compared insurance rates at all. Drivers in Tennessee can save hundreds of dollars each year, but most tend to underestimate the amount of money they would save if they switched to a more affordable policy.

Insurance rates Honda CR-Z in NashvilleIf saving the most money is your goal, then the best way to get discount Honda CR-Z insurance in Nashville is to start doing a yearly price comparison from insurers in Tennessee. Price quotes can be compared by following these guidelines.

One key aspect when comparing rates is that you’ll want to compare similar coverage information on every quote request and and to look at as many companies as you can. This ensures a level playing field and and a good selection of different prices.

Companies offering Honda CR-Z insurance in Tennessee

The companies shown below can provide comparison quotes in Nashville, TN. If multiple companies are listed, we recommend you visit as many as you can in order to find the cheapest rates.

Why Smart Buyers Pay Less for Honda CR-Z Insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help calculate your auto insurance rates. If you know what impacts premium levels, this allows you to make good choices that can help you get better auto insurance rates.

The itemized list below are some of the major factors auto insurance companies consider when setting premiums.

Get hitched and pay less – Being married may earn you lower rates compared to being single. Marriage demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.

An active claims history can cost more – Car insurance companies in Tennessee award most affordable rates to insureds who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.

Urban areas may pay more – Having an address in less populated areas has it’s advantages when trying to find low car insurance rates. Drivers in populated areas regularly have more auto accidents and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident.

Do you save by driving less? – The more you drive in a year’s time the more you will pay for auto insurance. Most companies apply a rate based on how the vehicle is used. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. It’s a good idea to make sure your vehicle rating is rated on the proper vehicle usage. Incorrect rating for your CR-Z may be costing you higher rates.

Increase deductibles to save – The deductibles represent how much money you are required to spend if the claim is covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims could be a windshield broken by a bird, hail damage, and damage from wind. The more of the claim you have to pay, the less your auto insurance will be.

Do you have enough liability coverage? – Your policy’s liability coverage will afford coverage if you are found to be at fault for an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.

Gender impacts premiums – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into auto accidents at a similar rate, but the males have costlier accidents. They also get ticketed for serious violations such as reckless driving.

Honda CR-Z insurance loss statistics – Insurance companies analyze claim trends for every vehicle to help set a rate to offset losses. Vehicles that the data shows to have higher number or severity of losses will have a higher cost to insure.

The table below outlines the historical loss data for Honda CR-Z vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make or model, is equal to 100. Numbers under 100 indicate better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or statistically larger claims.

Honda CR-Z Insurance Loss Statistics
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
Statistics from for 2013-2015 Model Years

Companies offer many types of discounts on Honda CR-Z insurance in Nashville

The price of auto insurance can be rather high, but discounts can save money and there are some available that many consumers don’t even know exist. Some discounts will apply when you get a quote, but once in a while a discount must be manually applied prior to getting the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.Insurance discounts

One last thing about discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and a selection of discounts are:

When getting free Nashville auto insurance quotes, it’s a good idea to each insurance company which discounts they offer. Some discounts might not be offered on policies in Nashville. For a list of insurance companies who offer discounts in Tennessee, click here to view.

Local neighborhood Nashville car insurance agents

Many people just want to go talk to an agent and that can be a smart move A nice benefit of comparing rates online is that you can find cheap auto insurance quotes but still work with a licensed agent. And providing support for neighborhood insurance agencies is definitely important in Nashville.

Find insurance agent in NashvilleTo find an agent, once you fill out this quick form, your coverage information is transmitted to agents in your area who will gladly provide quotes for your business. It’s much easier because you don’t need to drive around as quotes are delivered straight to your inbox. You can most likely find cheaper rates and a licensed agent to talk to. If you want to get a price quote from a specific company, you would need to visit that company’s website and fill out the quote form the provide.

If you want to buy auto insurance from a local agent, you must know there are a couple types of agencies that you can choose from. Agents in Nashville can be categorized as either independent or exclusive.

Independent Agents (or Brokers)

These agents are not employed by one company so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If prices rise, your agent can switch companies which requires no work on your part. When comparing auto insurance prices, we highly recommend that you get some free quotes from a couple of independent agencies for the best price selection.

Listed below is a partial list of independent agencies in Nashville that can possibly get you price quotes.

4525 Harding Pike Ste 244Nashville, TN 37205(615) 620-4452View Map

6202 Charlotte Pike # 1Nashville, TN 37209(615) 356-6700View Map

3225 Gallatin PikeNashville, TN 37216(615) 645-1900View Map

More Nashville agents

Exclusive Insurance Agents

Exclusive agents can only provide one company’s prices such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents receive extensive training on the products they sell and that can be a competitive advantage.

Shown below are Nashville exclusive agents that are able to give price quotes.

2600 Lebanon Pike aNashville, TN 37214(615) 871-0663View Map

4811 Trousdale Dr cNashville, TN 37220(615) 833-1300View Map

5110 Delaware AveNashville, TN 37209(615) 297-3527View Map

More Nashville agents

Finding the right car insurance agent requires you to look at more than just the quoted price. A good agent in Nashville will have answers to these questions.

Once you have received satisfactory answers to all your questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that meets the requirements to adequately provide auto insurance. But remember, it’s your policy and you can terminate your policy any time you want so don’t assume that you are permanently stuck with a specific agent for a certain time period.

Insurance agents can help

When quoting and choosing the best car insurance coverage, there really is no one-size-fits-all type of policy. Your situation is unique.Car insurance savings

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

You can find cheap coverage

Consumers leave their current company for any number of reasons including policy cancellation, being labeled a high risk driver, policy non-renewal and not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

When searching for affordable Nashville auto insurance quotes, never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

We just showed you quite a bit of information on how to get a better price on Honda CR-Z insurance in Nashville. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the best price on car insurance is with some of the smallest insurance companies.

Additional detailed information can be found by following these links: