Honda Honda CR-V Insurance Rates
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UPDATED: Feb 20, 2020
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Searching for the cheapest insurance coverage rates for your Honda CR-V? Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers. Since consumers have many options, it can be impossible to find the right insurance company.
How to Buy Car Insurance Online
Comparing car insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.
Many insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company provides a quote for coverage. This saves time by eliminating quote forms to each individual car insurance company. To find out how much you’re overpaying now click here (opens in new window).
The only downside to using this type of form is you don’t know exactly the companies to get quotes from. So if you want to choose specific providers to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same quote information on every quote. If you compare differing limits it’s impossible to truly determine the lowest rate.
These nine discounts can lower your rates
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for CR-V coverage.
- Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
- Auto/Home Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
- No Claims – Claim-free drivers pay less compared to frequent claim filers.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Resident Student – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will bring down the amount you have to pay.
For a list of insurers with discount auto insurance rates, click here to view.
Different people need different coverages
When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need professional guidance.
- Are my friends covered when driving my car?
- Is extra glass coverage worth it?
- Is business equipment covered while in my vehicle?
- Am I covered when using my vehicle for business?
- Is my babysitter covered when using my vehicle?
- Does my car insurance cover rental cars?
- Should I carry comprehensive and collision coverage?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Should I buy full coverage?
- How can I get high-risk coverage after a DUI?
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If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Drivers get pounded daily by advertisements that promise big savings from companies such as 21st Century, Allstate and State Farm. They all seem to make an identical promise that you can save if you switch your policy.
How can each company say the same thing? It’s all in the numbers.
All companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A customer that hits that “sweet spot” will get very good rates and therefore will cut their rates substantially.
Potential customers who don’t measure up to this ideal profile will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save money. This is how companies can make the claims of big savings.
This emphasizes why you should get as many quotes as possible. You cannot predict which company will give you the biggest savings on Honda CR-V insurance.
Auto insurance coverage specifics
Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.
Collision insurance covers damage to your CR-V from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like driving through your garage door, crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, hitting a bird, hail damage and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, prosthetic devices and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
This can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.
Be a Smart Shopper
You just learned many ideas to get a better price on 1999 Honda CR-V insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive and GEICO.
As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
More information can be found on the following sites:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Coverage Information (Progressive Insurance)
- Insuring a Leased Car (Insurance Information Insitute)
- Older Driver Statistics (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Neck Injury FAQ (iihs.org)
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