Honda Honda CR-V Insurance Rates
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UPDATED: Nov 30, 2021
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Paying for high-priced Honda CR-V insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparing price quotes is a great way to help make ends meet.
With so many companies to choose from, it’s nearly impossible to pick the lowest cost company.
Finding the best rates is not rocket science. Just about every driver who buys insurance will be able to find better rates. But consumers benefit from understanding how companies price online insurance.
Finding Auto Insurance Deals
All major auto insurance companies such as Progressive, Allstate and GEICO provide pricing on the web. Getting quotes doesn’t take a lot of time as you just type in the coverage amounts you desire as requested by the quote form. When the form is submitted, their system automatically retrieves your driving record and credit report and returns pricing information based on these and other factors. Online price quotes makes it a lot easier to compare rates but the work required to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it’s very important to have as many quotes as possible if you want to find lower prices.
The easy way to compare rates
The preferred way to get multiple rate quotes is to use a quote form that gets prices from a bunch of companies at once. It’s a real time-saver, requires less work, and makes rate comparisons much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any or none of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.
If you want to compare rates now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you input the coverages as close as possible to your current policy. This makes sure you will have rate quotes for the exact same coverage.
Take advantage of discounts
Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find discounts you could be receiving.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for better auto insurance rates on CR-V coverage.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
Insurance companies that possibly offer these discounts include:
- The Hartford
- State Farm
Double check with each insurance company what discounts are available to you. Savings may not apply everywhere.
Your Honda CR-V insurance rate is a complex equation
Consumers need to have an understanding of the different types of things that go into determining insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to lower insurance coverage prices.
- Low deductibles can be expensive – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Honda. Some examples of claims that would be covered are running into the backend of another car, vandalism, or theft. The deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on CR-V coverage.
- Allowing your policy to lapse raises rates – Driving your car without having proper coverage is illegal and insurance coverage companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in a license revocation or jail time.
- Teen drivers pay high rates – Teenage drivers are known to get distracted easily when driving so they pay higher insurance coverage rates. Having to add a youthful driver to your insurance coverage policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
- Don’t buy coverages you don’t need – There are quite a few add-on coverages that can waste your money on your insurance coverage policy. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.
- Do you qualify for a multi-policy discount? – Many companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to shop around to ensure the best deal.
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How to know if you need help
When it comes to buying the best insurance coverage, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.
- What can I do if my company won’t pay a claim?
- Do I need roadside assistance coverage?
- When should I remove comp and collision on my 2011 Honda CR-V?
- Will filing a claim cost me more?
- Does insurance cover tools stolen from my truck?
- Does my policy cover my teen driver if they drive my company car?
- Do I pay less if my vehicle is kept in my garage?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Specific coverages for a Honda CR-V
Understanding the coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Collision insurance pays for damage to your CR-V resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as sustaining damage from a pot hole, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Liability car insurance
Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from 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 limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability can pay for things such as pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, hospital visits and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Knowledge is power
We’ve covered some good ideas how you can save on 2011 Honda CR-V insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from an unexpected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Lower-priced insurance can be purchased both online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
For more information, link through to the articles below:
- Neck Injury FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
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