Honda Honda CR-V Insurance Rates
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UPDATED: Feb 20, 2020
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Trying to find better insurance prices for your Honda CR-V could be a painful process, but you can follow a few tricks and make it easy.
There is a right way and a wrong way to buy insurance and you need to know the quickest way to get price quotes for a new or used Honda and find the best price possible.
It is always a good idea to compare rates at least once a year since rates change frequently. Just because you found the lowest price for CR-V coverage last year you may be paying too much now. Don’t believe everything you read about insurance online, so I’m going to show you a lot of great tips on how to quit paying high insurance rates.
Parts of the Honda CR-V rate equation
It’s important that you understand the rating factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.
- Marriage pays dividends – Being married helps lower the price on your policy. Having a significant other is viewed as being more mature and responsible it has been statistically shown that being married results in fewer claims.
- Drive less and save money – Driving more miles in a year’s time the higher your rates will be. Most insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Improper usage on your CR-V can result in significantly higher rates. Make sure your insurance coverage coverage properly reflects the proper vehicle usage.
- Better credit scores mean better rates – A driver’s credit score is a big factor in determining your rates. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 2000 Honda CR-V by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
- A lapse in coverage is a bad thing – Allowing your insurance coverage policy to lapse is a quick way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state motor vehicle department.
- High numbers of claims are not good – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies provide better rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
- Car features impact rates – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
- Rates may be lower depending on your job – Occupations like doctors, social workers and dentists have the highest average rates because of stressful work requirements and long work days. Other occupations such as pilots, historians and retirees get better rates for CR-V coverage.
- Do you qualify for a multi-policy discount? – Many insurance coverage companies provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to shop around to make sure you are getting the best deal. You may still find better rates by splitting coverages up.
The best way to compare rate quotes is to know the trick almost all companies provide online access to provide you with free rate quotes. The only thing you need to do is provide a little information including how much school you completed, whether or not you need a SR-22, deductibles desired, and driver ages. That information gets transmitted to many different companies and you will receive price estimates instantly to find the best rate.
Drivers who switch save $447 a year? Really?
Consumers can’t ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all say the same thing about savings after switching your policy.
How does each company make the same claim?
All the different companies have a preferred profile for the driver that makes them money. A good example of a preferred risk might be between the ages of 40 and 55, has no prior claims, and has excellent credit. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.
Drivers who don’t qualify for this ideal profile must pay more money which leads to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully claim big savings.
This illustrates why you should get quotes from several different companies. It’s not possible to predict which insurance companies will give you the biggest savings on Honda CR-V insurance.
Save big with these discounts
Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but a few must be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
- Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
- Homeowners Savings – Owning a home may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for CR-V coverage than their less cautious counterparts.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
Keep in mind that most discount credits are not given the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down your premiums.
Car insurance companies that possibly offer some of the above discounts include:
Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.
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But I don’t know anything about car insurance
When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions could help you determine if your insurance needs might need professional guidance.
- Do I need medical payments coverage since I have good health insurance?
- Do I really need UM/UIM coverage?
- How do I insure my teen driver?
- What is the difference between comprehensive and collision coverage?
- Is my trailer covered?
- Can I afford to pay high deductible claims out of pocket?
- Am I covered when driving a rental car?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.
Car insurance coverage information
Understanding the coverages of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hail damage, damage from flooding and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, X-ray expenses and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda CR-V.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like medical expenses, funeral expenses, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
A tidy conclusion
We just showed you a lot of ways to compare 2000 Honda CR-V insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from the smaller companies.
Affordable insurance is definitely available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
When you buy insurance online, do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.
- Speed and Speed Limit FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance Basics (Insurance Information Insitute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
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