2010 Honda CR-V Insurance Rates
Average insurance rates for a 2010 Honda CR-V are $966 a year for full coverage insurance. Comprehensive insurance costs an estimated $188, collision insurance costs $252, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,070 or more. Teenage drivers receive the highest rates at up to $3,754 a year.
Annual premium for full coverage: $966
Rate estimates for 2010 Honda CR-V Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 range from as low as $438 for a discount liability-only rate to a much higher rate of $2,070 for high-risk insurance.
These differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using average rates.
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Recommended Companies for Cheap 2010 Honda CR-V Insurance
Looking for cheaper auto insurance rates for your Honda CR-V? Shopping online for auto insurance can seem complicated if you have never used online price comparisons. But relax because there is an easy way to compare rates.
Compare Car Insurance Costs
All major car insurance companies quote prices for coverage on the web. The process is quite simple as you simply enter the coverage amounts you desire as requested by the quote form. When the form is submitted, their rating system sends out for your credit score and driving record and returns a price.
Online price quotes helps simplify price comparisons, but the time it takes to visit multiple sites and enter the same data into a form can be a bit repetitive. But it’s very important to perform this step if you want to find better prices.
The better way to compare rates
Recommended Companies for the Best Insurance Rates
The quickest way to find better car insurance pricing makes use of a single form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons a little more enjoyable. Once the form is submitted, it gets priced and you can choose any of the quote results.
If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and you will know how your current rates stack up.
To get comparison pricing now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you copy coverages and limits identical to your current policy. This makes sure you will get a rate comparison based on the exact same insurance coverage.
Save $452 a year. For real?
Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to say the same thing of big savings if you change your policy. But how can every company make the same claim?
All companies are able to cherry pick for the right customer they prefer to insure. An example of a driver they prefer might be profiled as over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.
Potential customers who are not a match for the requirements will be quoted a higher premium which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can advertise the way they do.
This emphasizes why it’s extremely important to get as many quotes as possible. It is impossible to predict which car insurance company will provide you with the cheapest Honda CR-V insurance rates.
These factors can influence Honda CR-V insurance rates
An important part of buying insurance is that you know some of the elements that play a part in calculating your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.
- Liability coverage is cheap – Liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
- Drive a safer car and pay less – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If the Honda CR-V is rated at least four stars on Safercar.gov you may qualify for a discount.
- Older drivers pay less – Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers have a tendency to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
- Drive less and save money – Driving more miles every year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. Improper usage on your CR-V can result in significantly higher rates. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
- Never go without insurance – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
- Your credit rating is important – Credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2010 Honda CR-V by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
- Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations like lawyers, business owners and accountants tend to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, professions such as farmers, athletes and performers receive lower rates for CR-V insurance.
- Discounts for multiple policies – The majority of insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you still need to compare rates to verify if the discount is saving money.
Don’t miss out on these money-saving discounts
Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some discounts apply automatically when you complete an application, but some must be asked about prior to receiving the credit.
- Employee of Federal Government – Simply working for the federal government can save as much as 8% for CR-V insurance with select insurance companies.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
- One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for CR-V insurance than drivers with accident claims.
Consumers should know that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.
To see a list of providers with the best insurance coverage discounts, click this link.
Do I need special coverages?
When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that may help you determine whether you will benefit from professional help.
- When should I drop full coverage on my 2010 Honda CR-V?
- Does my 2010 Honda CR-V qualify for pleasure use?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need added coverage for expensive stereo equipment?
- Is my cargo covered for damage or theft?
- Why do I need rental car insurance?
- How much liability insurance is required?
- What if I total my 2010 Honda CR-V and owe more than it’s worth?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Learn about auto insurance coverages for a Honda CR-V
Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Collision coverage – This coverage pays for damage to your CR-V resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2010 Honda CR-V.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Liability car insurance – This coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not 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. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers things like attorney fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
Make an honest buck
Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, denial of a claim, delays in responding to claim requests or even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is easier than you think.
We’ve covered a lot of ways to lower your 2010 Honda CR-V insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies.
Budget-conscious insurance is available from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
Additional information can be found below:
- Liability Insurance Coverage (Nationwide)
- Parking Tips to Reduce Door Dings (State Farm)
- Auto Crash Statistics (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Prepare your Teens for Safe Driving (InsureUonline.org)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,524|
|Los Angeles, CA||$1,653|
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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||$62|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.