Cheapest 2001 Honda CR-V Insurance Rates in 2023
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UPDATED: Nov 29, 2021
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Want better car insurance rates for your Honda CR-V? Overpriced Honda CR-V insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.
Popular companies such as State Farm, GEICO and Farmers Insurance constantly bombard you with TV and radio ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding affordable coverage is not rocket science. Nevertheless, drivers do need to learn the methods companies use to price insurance differently because it can help you find the best coverage.
How to Buy Car Insurance Online
All major car insurance companies like State Farm, GEICO and Progressive allow you to get insurance quotes on the web. Obtaining pricing doesn’t take a lot of time as you just enter the coverage amounts you desire into the quote form. After you submit the form their rating system will order credit information and your driving record and returns a price. Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest car insurance rates.
The better way to compare rates
The easiest way to get multiple rate quotes is to use a quote form to return rates from several different companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it gets priced and you can choose your choice of the price quotes you receive. If you find a better price you can simply submit the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.
To save time and compare rates using this form now, click here and complete the simple form. If you have your current policy handy, we recommend you complete the form with deductibles and limits as close as possible to your current policy. This way, you will receive a fair comparison for similar coverage.
Best discounts on Honda CR-V coverage
Car insurance companies don’t always list every discount very clearly, so here is a list both well-publicized and the more hidden insurance coverage savings.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on CR-V insurance than drivers with accidents.
- Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% on CR-V insurance with a few insurance coverage companies.
- Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
- Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on CR-V insurance.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
To see a list of companies who offer insurance coverage discounts, click this link.
Tailor your coverage to you
When it comes to buying the best car insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if you might need an agent’s assistance.
- Will I lose any money if I cancel my policy before it expires?
- Do I need an umbrella policy?
- Am I covered if hit by an uninsured driver?
- How can I get high-risk coverage after a DUI?
- Should I buy only the required minimum liability coverage?
- Do I need higher collision deductibles?
- Why do I need rental car insurance?
- Is upholstery damage covered by car insurance?
- At what point should I drop full coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
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Impacting insurance rates for a Honda CR-V
Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower car insurance prices.
- Never go without insurance – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
- Proper usage rating affects rates – The more miles you rack up on your Honda in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your CR-V can result in significantly higher rates. Make sure your car insurance policy is rated on how each vehicle is driven, because it can save money.
- More people means more accidents – Living in a rural area can be a good thing when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
- Policy add-ons can waste money – There are many add-on coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea at first, but if you don’t need them eliminate them to save money.
- Poor driving leads to higher costs – A bad driving record has a huge affect on how much you pay. Careful drivers have lower premiums compared to drivers with tickets. Just one citation can boost insurance rates forty percent or more. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
- Do you have a high stress job? – Careers like real estate brokers, business owners and dentists tend to have the highest average rates due to stressful work requirements and long work hours. Other jobs such as scientists, historians and the unemployed receive lower rates on CR-V insurance.
Insurance coverages 101
Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses 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 important protection for you and your family.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Collision insurance covers damage to your CR-V caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as crashing into a building, rolling your car, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Liability auto insurance
Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things such as pain and suffering, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, falling objects, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
In the end, you save
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
We just covered many ideas to lower your 2001 Honda CR-V insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the least-expected company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.
Cheaper insurance can be sourced on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.
Additional detailed information can be found in the articles below:
- Senior Drivers (Insurance Information Insitute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Coverage Information (Progressive Insurance)
- Distracted Driving Statistics (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
- Vehicle Size and Weight FAQ (iihs.org)
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