Save on 2022 Honda CR-V Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2024

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Searching for lower insurance coverage rates for your Honda CR-V? Locating low-cost insurance for your Honda CR-V could be a painful process, but you can use a few tricks to save time. There is a better way to compare insurance coverage rates so you’re going to learn the best way to compare rates for a new or used Honda and find the lowest possible price from local insurance agents and online providers.

You should take the time to shop coverage around yearly due to the fact that insurance prices trend upward over time. If you had the best deal on CR-V coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

Take advantage of every car insurance discount

Companies offering auto insurance don’t necessarily list every policy discount in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as the least known savings tricks you should be using when you buy car insurance online.

  • Sign Early and Save – Some companies provide a discount for switching policies before your current expiration date. The savings is around 10%.
  • Paperwork-free – Some of the larger companies provide a small discount for buying your policy on your computer.
  • Bundle and Save – If you have multiple policies and insure them with the same company you could get a discount of at least 10% off all policies.
  • Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on CR-V coverage depending on your company.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it’s just not the way it works.

Larger car insurance companies and the discounts they provide are:

  • GEICO may offer discounts for five-year accident-free, driver training, multi-vehicle, anti-theft, military active duty, good student, and membership and employees.
  • Travelers may have discounts that include IntelliDrive, continuous insurance, student away at school, early quote, new car, and hybrid/electric vehicle.
  • Farm Bureau offers discounts for safe driver, 55 and retired, youthful driver, multi-vehicle, good student, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including good student, preferred payment discount, teen driver discount, safety features, and new graduate.
  • American Family offers discounts including early bird, defensive driver, Steer into Savings, accident-free, good driver, air bags, and TimeAway discount.
  • Progressive discounts include multi-vehicle, online quote discount, good student, continuous coverage, online signing, and multi-policy.

If you need lower rates, check with every prospective company to apply every possible discount. All car insurance discounts might not be offered on policies in your area.

Finding insurance

Getting cheaper 2022 Honda CR-V insurance pricing is pretty simple and can save money. The only requirement is to take a couple of minutes to compare rate quotes to discover which company has affordable car insurance quotes. Price comparisons can be done by using one of the methods below.

The most recommended method to compare a lot of rates at once would be an industry-wide quote request form. This easy form eliminates the need for repetitive form submissions for each price estimate. One form will get you price quotes from several companies. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates consists of going to each individual company website and repeat the quote process again and again. For examples sake, we’ll assume you want to view quotes from GEICO, Esurance and Liberty Mutual. To get rate quotes you would need to go to every website to enter the same coverage data repeatedly, and that’s why the first method is more popular.

Compare rates however you want, just make darn sure you compare the same coverages and limits with every price quote. If you compare higher or lower deductibles it will be impossible to make an equal comparison.

How to know if you need help

When buying coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

  • When should I not file a claim?
  • What is PIP insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is roadside assistance coverage?
  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 2022 Honda CR-V?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as X-ray expenses, pain medications and funeral costs. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This provides protection from damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like legal defense fees, bail bonds and medical services. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2022 Honda CR-V.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage

This coverage will pay to fix damage to your CR-V resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Be a penny pincher

In this article, we covered many ways to compare 2022 Honda CR-V insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company.

People switch companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, lack of trust in their agent and poor customer service. It doesn’t matter what your reason, finding a great new company is less work than it seems.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the best cost and still be able to protect your assets.

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