2009 Honda CR-V Insurance Rates
Average insurance rates for a 2009 Honda CR-V are $946 a year for full coverage. Comprehensive costs on average $180 each year, collision insurance costs $236, and liability costs around $394. Buying a liability-only policy costs as low as $440 a year, and high-risk insurance costs around $2,030. Teen drivers receive the highest rates at up to $3,700 a year.
Annual premium for full coverage: $946
Rate estimates for 2009 Honda CR-V Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 the average driver, prices range range from as low as $440 for the bare minimum liability coverage to a high rate of $2,030 for a driver that may need high-risk insurance.
These differences show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.
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Recommended Companies for Cheap 2009 Honda CR-V Insurance
Locating better insurance prices for a Honda CR-V can turn out to be difficult, but you can use the following methods to save time. There is a better way to compare car insurance rates so you’re going to learn the absolute fastest way to get price quotes on a Honda and obtain the cheapest rates from local insurance agents and online providers.
Finding the best rates is quite easy. If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Vehicle owners only need to know the tricks to compare price quotes over the internet.
Cheap Car Insurance Comparisons
All the larger car insurance companies such as Progressive, Allstate and GEICO provide price estimates online. Obtaining pricing is fairly simple as you simply enter the coverage amounts you desire into the quote form. When the form is submitted, the system collects your driving record and credit report and provides a quote determined by many factors.
Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to get a better rate.
Recommended Companies for the Best Insurance Rates
Compare rates the easy way
An easier way to compare rates is to use a quote form that gets price quotes from several different companies. It saves time, eliminates form submissions, and makes rate comparisons much more enjoyable. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the quote results. If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.
To get comparison pricing now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you enter the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you will have comparison quotes using the same coverage and limits.
Tailor your coverage to you
When buying the best insurance coverage coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.
For example, these questions might point out whether or not you could use an agent’s help.
- Does medical payments coverage apply to all occupants?
- Do I need medical payments coverage since I have good health insurance?
- What if I don’t agree with a claim settlement offer?
- Can I rate high risk drivers on liability-only vehicles?
- How much underlying liability do I need for an umbrella policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is my 2009 Honda CR-V covered for flood damage?
- Am I missing any policy discounts?
- Does my 2009 Honda CR-V need full coverage?
- When would I need rental car insurance?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Auto insurance coverage considerations
Having a good grasp of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like court costs, medical services, pain and suffering and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.
This will pay to fix damage to your CR-V resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as rolling your car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, ambulance fees, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda CR-V.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding, hitting a deer and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,497|
|Los Angeles, CA||$1,620|
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Need a specific model?
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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||$60|
|5-yr Claim Free||$59|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.