Trying to find the cheapest insurance for a Honda CR-V could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare insurance rates and you need to know the quickest way to price shop coverage for a new or used Honda and get the cheapest rates from both online companies and local agents.
Consumers should take time to price shop coverage yearly due to the fact that insurance rates tend to go up over time. If you had the best rates for CR-V insurance last year you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the quickest way to eliminate unnecessary coverages and save money.
Effectively comparing car insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You could waste time talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.
Most major companies belong to a marketplace where prospective buyers only type in their quote data once, and every company can give them a price for coverage. This system prevents you from having to do repetitive form submissions for every car insurance company.
To enter your information into the quoting system, click here (opens in new window).
One minor caviat to doing it this way is you don’t know exactly the companies you want pricing from. If you wish to select from a list of companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but make sure you use identical quote information for every company. If you use different deductibles it’s impossible to make an equal comparison.
Auto insurance companies don’t always publicize every available discount very well, so we break down both well-publicized and also the lesser-known ways to save on insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.
A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren’t that generous.
For a list of companies offering insurance discounts, click here.
When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.
Here are some questions about coverages that may help you determine if you could use an agent’s help.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.
Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as fire damage, rock chips in glass and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or underinsured coverage
This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2008 Honda CR-V.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability auto insurance
Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage protects against claims such as attorney fees, medical expenses, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.
Collision coverage protection
Collision coverage will pay to fix damage to your CR-V resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like crashing into a ditch, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Affordable 2008 Honda CR-V insurance is definitely available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.
Drivers change insurance companies for a variety of reasons including questionable increases in premium, policy cancellation, policy non-renewal or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many cases, someone dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
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