Cheapest 2004 Honda CR-V Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Trying to find cheaper auto insurance rates for your Honda CR-V? No one looks forward to buying auto insurance, especially knowing their premiums are too high.
Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute lowest rate
If you have car insurance now, you stand a good chance to be able to save some money using these tips. Finding the best rates is quite easy. Although car owners must know the way companies market insurance on the web and take advantage of how the system works.
Are you getting all your discounts?
Companies do not list all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.
- Air Bag Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
- Defensive Driver – Successfully completing a driver safety course could save 5% or more if you qualify.
- Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
- Clubs and Organizations – Belonging to certain professional organizations could trigger savings when buying auto insurance for CR-V coverage.
- E-sign – A few companies will give a small break just for signing your application on their website.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for CR-V coverage with a few auto insurance companies.
- Drive Less and Save – Keeping the miles down on your Honda could be rewarded with a substantially lower rate.
- Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.
For a list of insurers who offer auto insurance discounts, follow this link.
How to Compare Auto Insurance Rates
There are a variety of methods to compare 2004 Honda CR-V auto insurance prices and some are less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you can stay home and use the web to achieve your goal.
Most of the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do quote requests for each company.
To participate in this free quote system, click here (opens in new window).
The one disadvantage to getting quotes like this is you cannot specify the insurers to get pricing from. If you would rather choose from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click to view list.
Whichever method you choose, make darn sure you compare exactly the same coverage limits and deductibles on every quote. If you compare differing limits then you won’t be able to determine the best price for your Honda CR-V. Having just a slight variation in insurance coverages may cause a big price difference. It’s important to know that obtaining a wide range of quotes helps locate the best price.
Factors determining your Honda CR-V insurance premium
It’s important that you understand some of the elements that go into determining the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.
Listed below are a partial list of the pieces used by your company to calculate your rates.
- Claim-free discounts can add up – Auto insurance companies award better rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.
- Poor driving leads to higher costs – Careful drivers get better rates than bad drivers. Even a single ticket can boost insurance rates twenty percent or more. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
- Your spouse saves you money – Having a wife or husband can actually save you money on your policy. Having a spouse usually means you are more mature and responsible and it’s proven that being married results in fewer claims.
- Do you know you’re credit rating? – Your credit score is a huge factor in determining your rates. So if your credit is lower than you’d like, you could be paying less to insure your 2004 Honda CR-V by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
- Where do you drive? – The more miles you rack up on your Honda each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on their usage. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your CR-V may be wasting your money.
- Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Honda from damage. Some instances where coverage would apply would be colliding with a building, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be for CR-V coverage.
- Liability insurance protects assets – Liability insurance will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
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When might I need an agent?
When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining whether you might need professional guidance.
- Do I need to file an SR-22 for a DUI in my state?
- Can I get a multi-policy discount?
- Is my Honda CR-V covered if I use it for business?
- Should I rate my 2004 Honda CR-V as pleasure use or commute?
- Will filing a claim cost me more?
- Where can I get insurance after a DUI in my state?
- Do I pay less for low miles?
- Is my vehicle covered by my employer’s policy when using it for work?
- What is the minimum liability in my state?
If it’s difficult to answer those questions, you may need to chat with 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.
Insurance coverage myths debunked
Companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads say the same thing about savings after switching to their company. How do they all say the same thing?
Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between 30 and 50, a clean driving record, and has excellent credit. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when switching.
Potential customers who don’t meet this ideal profile will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can state the savings. That is why drivers must compare as many rates as you can. Because you never know which insurance coverage company will have the lowest Honda CR-V insurance rates.
Specifics of your auto insurance policy
Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.
Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda CR-V.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, dental work and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability – This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.
A little work can save a LOT of money
In this article, we presented a lot of tips how to save on 2004 Honda CR-V insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice full coverage and learned later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.
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- Things to Know Before you Cancel Insurance (Allstate)
Frequently Asked Questions
How can I find the cheapest insurance for my 2004 Honda CR-V?
To find the cheapest insurance for your 2004 Honda CR-V, consider the following tips:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options. Different insurers may offer varying prices based on their risk assessment models.
- Opt for a higher deductible: Choosing a higher deductible (the amount you pay out of pocket before insurance kicks in) can lower your premium. However, ensure you can afford the deductible in case of a claim.
- Maintain a good driving record: A clean driving history, free of accidents and traffic violations, can help you secure lower insurance premiums. Safe driving habits are generally rewarded with better rates.
- Explore available discounts: Inquire about any discounts offered by insurance providers. These can include safe driver discounts, multi-policy discounts, low-mileage discounts, or discounts for safety features on your Honda CR-V.
- Consider usage-based insurance: Some insurance companies offer usage-based or pay-as-you-go insurance programs. These programs use telematics devices or smartphone apps to track your driving habits and offer discounts based on your actual mileage and driving behavior.
- Review coverage options: Assess your coverage needs and consider whether you require additional optional coverages. Adjusting your coverage can impact your premium, allowing you to find a more affordable policy.
Are there specific insurance considerations for a 2004 Honda CR-V?
Yes, there are some specific insurance considerations for a 2004 Honda CR-V:
- Safety features: The 2004 Honda CR-V comes with standard safety features, such as airbags and anti-lock brakes. These safety features may make your vehicle eligible for insurance discounts.
- Theft deterrent systems: If your CR-V has anti-theft devices or systems installed, it may lower the risk of theft and potentially lead to lower insurance premiums.
- Market value: The market value of a 2004 Honda CR-V is generally lower than newer vehicles. This can positively impact insurance rates, as lower vehicle value usually correlates with lower premiums.
Can I insure a 2004 Honda CR-V with just liability coverage?
The type of coverage you choose for your 2004 Honda CR-V depends on your personal circumstances and the legal requirements in your jurisdiction. While liability coverage is typically the minimum legal requirement, it only covers damages and injuries you cause to others in an accident. It does not cover repairs or replacement costs for your own vehicle if you’re at fault or if it’s damaged by other causes like theft or weather events. Considering comprehensive and collision coverage is important for more comprehensive protection.
Are there any specific insurance providers known for offering competitive rates on 2004 Honda CR-V insurance?
Insurance rates can vary significantly among providers, and it’s always advisable to obtain quotes from multiple insurers to find the best rates. However, some insurance companies may offer competitive rates for insuring a 2004 Honda CR-V due to its popularity and reputation for reliability. It’s worth researching and comparing rates from well-known insurance providers that specialize in affordable coverage for older vehicles or have favorable discounts for Honda owners.
Can joining an auto club or association help reduce my insurance costs for a 2004 Honda CR-V?
Some auto clubs or associations offer discounts on insurance as a membership benefit. It’s worth checking with any clubs or associations you belong to or are eligible to join to see if they have partnerships with insurance providers that offer discounted rates for 2004 Honda CR-V owners. However, it’s important to compare these rates with quotes from other insurers to ensure you’re getting the best possible deal.
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