Honda Honda CR-V Insurance Rates
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UPDATED: Nov 30, 2021
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Looking for cheaper insurance coverage rates for your Honda CR-V? Finding the lowest price for insurance coverage can be a challenge if you are a beginner to online rate quotes. But relax because using the internet to shop for insurance coverage is actually quite easy.
Finding affordable coverage is not that difficult. Essentially every vehicle owner who shops for car insurance should be able to cut their insurance bill. Nevertheless, drivers should learn the way insurance companies determine prices and use this information to your advantage.
Comprehensive Auto Insurance Comparison
When shopping for auto insurance there are multiple ways to get quotes from different insurance companies. The simplest method to find the cheapest 2013 Honda CR-V insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.
- The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating boring form submissions for every auto insurance company. Just one form gets you price quotes from all major companies.It’s the quickest way to get rates.
- A more time consuming way to compare rate quotes is to manually visit each company’s website and fill out their own quote form. For example, let’s assume you want rates from Liberty Mutual, GEICO and American Family. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.For a list of links to companies insuring cars in your area, click here.
Whichever way you use, make sure you use exactly the same quote information for each price quote. If you enter mixed coverages it’s not possible to determine the best price for your Honda CR-V. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, quoting more will enable you to find the best offered rates.
Don’t pay full price with these six discounts
Companies that sell car insurance don’t always advertise every available discount very well, so we break down both the well known as well as the least known discounts you could be receiving.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on CR-V coverage than less cautious drivers.
- Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
- Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.
Car insurance companies that possibly offer these discounts may include but are not limited to:
- Farm Bureau
- State Farm
It’s a good idea to ask each company which discounts they offer. Savings might not be offered in your state.
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Your personal situation dictates your coverage
When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.
These are some specific questions can aid in determining if you might need professional guidance.
- Does my 2013 Honda CR-V need full coverage?
- Should I buy full coverage?
- What are the best liability limits?
- Does medical payments coverage apply to all occupants?
- Is my dog or cat covered if injured in an accident?
- Do all my vehicles need collision coverage?
- What vehicles should carry emergency assistance coverage?
- Are my friends covered when driving my car?
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
What insurance coverages do you need?
Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Collision coverage protection
This coverage will pay to fix damage to your CR-V caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims such as bail bonds, structural damage, emergency aid, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as pain medications, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as fire damage, rock chips in glass, damage from getting keyed and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
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