Honda Honda CR-V Insurance Rates
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UPDATED: Nov 29, 2021
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Looking for the cheapest insurance rates for your Honda CR-V? Finding lower rates for insurance is nearly impossible for consumers new to shopping for insurance online. You have so many options that it can easily become a lot of work to find lower rates.
Smart consumers take time to check insurance prices occasionally because rates are rarely the same from one policy term to another. Even if you think you had the best rates on CR-V insurance a couple years back you will most likely find a better rate today. You can find a lot of wrong information about insurance on the web, but I’m going to show you some guaranteed methods to find affordable insurance.
Compare the Market for Auto Insurance
All major auto insurance companies such as Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. This process doesn’t take much effort as you just enter your required coverages as requested by the quote form. When the form is submitted, the company’s rating system orders your driving and credit reports and provides a quote.
This helps simplify price comparisons, but the time required to go to different websites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to find a better rate.
The easiest way to find cheaper rates uses one form that analyzes rates from several different companies. It saves time, requires much less work on your part, and makes quoting online much more enjoyable. After your information is entered, it is rated and you are able to buy your choice of the resulting price quotes.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.
To find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. This helps ensure you will get rate comparison quotes using the same coverage and limits.
Lots of discounts mean lots of savings
Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Most are applied when you purchase, but some may not be applied and must be asked about before they will apply.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on CR-V insurance.
- Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- No Accidents – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.
Companies that may offer some of the above discounts may include but are not limited to:
- Farmers Insurance
- Farm Bureau
- State Farm
- Liberty Mutual
Check with all companies you are considering which discounts they offer. Savings may not be available in your area.
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Situations that might require an agent
When buying coverage, there really is no cookie cutter policy. Everyone’s needs are different.
For instance, these questions could help you determine if you will benefit from professional help.
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered when using my vehicle for business?
- Can I rent a car in Mexico?
- Do I pay less if my vehicle is kept in my garage?
- What is high-risk coverage and where do I buy it?
- What happens if I owe more than my 2012 Honda CR-V is worth?
- Am I better off with higher deductibles on my 2012 Honda CR-V?
- Am I covered when driving in Canada or Mexico?
- Do I need replacement cost coverage?
- Should I file a claim if it’s only slightly more than my deductible?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Educate yourself about auto insurance coverages
Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Liability car insurance – This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as repair bills for other people’s vehicles, emergency aid, medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2012 Honda CR-V.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.
Medical expense coverage – Med pay and PIP coverage reimburse you for bills like funeral costs, dental work and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision – Collision coverage covers damage to your CR-V resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as theft, hitting a deer and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
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