View 1997 Honda CR-V Car Insurance Quotes

Trying to find lower car insurance rates for your Honda CR-V? Are you a victim of high-priced car insurance? Trust us, there are lots of people in the same boat. There is such a variety of insurers to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

Factors influencing Honda CR-V insurance rates

It’s important that you understand the factors that help determine the rates you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • High numbers of claims are not good – Companies give better rates to insureds who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your location is important – Residing in less populated areas is a positive aspect when talking about auto insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers means fewer accidents.
  • How many coverages with the same company – The majority of insurers provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Don’t buy coverages you don’t need – There are many additional coverages that you can get tricked into buying when buying auto insurance. Coverages for rental car reimbursement, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you. If your Honda CR-V is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Car features impact rates – Driving a car with an alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance can result in a steep fine or even jail time.

These discounts can lower your rates

Auto insurance companies do not list every discount very well, so we researched both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Paperwork-free – A few companies will give a small break for buying your policy over the internet.
  • Government Employees – Simply working for the federal government can save as much as 8% on CR-V coverage with certain companies.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurers with the best car insurance discounts, click this link.

Different people need different coverages

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether you might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Does coverage extend to a rental car in a foreign country?
  • Are my friends covered when driving my 1997 Honda CR-V?
  • Does coverage extend to Mexico or Canada?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does having multiple vehicles earn me a discount?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I find DUI or SR-22 insurance?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions, 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. It’s fast, free and can provide invaluable advice.

Specific coverages for a 1997 Honda CR-V

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Auto collision coverage

This coverage covers damage to your CR-V caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, crashing into a building, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, repair costs for stationary objects, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, X-ray expenses and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

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 hitting a bird, a tree branch falling on your vehicle, falling objects, theft and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your car insurance search

Lower-priced 1997 Honda CR-V insurance is attainable from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.

We just showed you many ideas to save on insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Helpful learning opportunities