2007 Honda CR-V Insurance Rates
Average insurance rates for a 2007 Honda CR-V are $908 a year with full coverage. Comprehensive insurance costs on average $164 a year, collision costs $206, and liability coverage costs around $402. Buying a liability-only policy costs as low as $446 a year, with high-risk insurance costing $1,942 or more. Teen drivers receive the highest rates at $3,586 a year or more.
Annual premium for full coverage: $908
Rate estimates for 2007 Honda CR-V Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 Honda CR-V models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $446 for only liability insurance to a high of $1,942 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, rather than using price averages.
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Recommended Companies for Cheap 2007 Honda CR-V Insurance
Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many people just like you.
Popular companies such as State Farm, Progressive and GEICO continually hit you with TV and radio ads and it can be hard to see through the deception and find the best price available.
It’s a good idea to take a look at other company’s rates once or twice a year since insurance rates tend to go up over time. Just because you had the lowest rates on CR-V insurance a few years ago the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because you’re going to get a crash course in the best way to save money, get proper coverage and the best rates.
If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. But vehicle owners can benefit from knowing the way insurance companies price online insurance and take advantage of how the system works.
Recommended Companies for the Best Insurance Rates
Lower rates by qualifying for discounts
Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but some may not be applied and must be specifically requested before you will receive the discount.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on CR-V insurance with certain companies.
- Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
- Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on insurance coverage on CR-V insurance.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce your premiums.
To see a list of insurers who offer insurance coverage discounts, click here to view.
Fast and Easy Auto Insurance Quotes
Effectively comparing auto insurance prices is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use online quoting to achieve your goal.
Most of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price based on that information. This system prevents you from having to do form submissions for each company.
To find out how much you’re overpaying now click here to start a free quote.
One minor caviat to using this type of form is you are unable to specify which insurance companies to get quotes from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but compare apples-to-apples information for every company. If you use different liability limits it will be very difficult to make a fair comparison for your Honda CR-V. Slightly different coverage limits may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding the best rates.
Car insurance is unique, just like you
When choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if your situation could use an agent’s help.
- Are all vehicle passengers covered by medical payments coverage?
- Do I have coverage when using my vehicle for my home business?
- What discounts do I qualify for?
- Is my nanny covered when driving my vehicle?
- Are split liability limits better than a combined single limit?
- How high should my uninsured/underinsured coverage be in my state?
- Am I covered if I hit a deer?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Car insurance coverages 101
Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, EMT expenses, pain medications and hospital visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive car insurance
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a deer, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto collision coverage
This pays for damage to your CR-V caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Auto liability insurance
This can cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
One last thing
We just covered some good ideas how you can shop for 2007 Honda CR-V insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.
As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.
Additional auto insurance information is located on the following sites:
- Safety Belts FAQ (iihs.org)
- What is a Telematics Device? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Auto Crash Statistics (Insurance Information Insitute)
- Understanding Car Crashes Video (iihs.org)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,431|
|Los Angeles, CA||$1,548|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$56|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$33|
Discounts are estimated and may not be available from every company or in every state.