How Much Does 2009 Honda CR-V Insurance Cost?

Searching for cheaper car insurance rates for your Honda CR-V? I can’t think of a single person who likes paying for car insurance, especially knowing the cost is too high.

Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company to get the lowest rate

It’s a good idea to check car insurance prices on a regular basis because rates tend to go up over time. Despite the fact that you may have had the lowest price on CR-V coverage on your last policy other companies may now be cheaper. There is a lot of bad advice regarding car insurance online, so with this article, you’re going to get the best ways to find cheap car insurance.

How to Lower Your Insurance Cost

Most major insurance companies such as Allstate and Progressive allow you to get prices for coverage on their websites. Getting quotes is fairly straightforward as you just type in your coverage information as requested by the quote form. Once you submit the form, the system will order your driving and credit reports and quotes a price. Online quotes makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes in order to get the best price on insurance.

The quickest way to find cheaper rates makes use of a single form that gets prices from multiple companies. This type of form saves time, reduces the work, and makes online shopping much more efficient. As soon as the form is sent, it is rated and you can select any of the returned quotes. If you find a better price you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To compare rates using this form now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with the coverage information as shown on your current policy. Doing this assures you will have rate quotes for similar insurance coverage.

Can you really save $482 a year?

Allstate and Progressive continually stream ads on television and other media. All the companies say the same thing of big savings after switching your coverage to them. How does each company make the same claim?

Insurance companies have a certain “appetite” for the type of driver that makes them money. A good example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Drivers who do not match the requirements will be charged higher premiums which leads to business not being written. The ads say “customers that switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make those claims. That is why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which company will give you the biggest savings on Honda CR-V insurance.

Honda CR-V rates are complex

It’s important that you understand the rating factors that go into determining car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more money you have to pay, the bigger discount you will receive on CR-V coverage.
  • Consolidate policies to earn discounts – Some insurance companies give discounts to customers who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies award discounts to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.

Companies offer discounts so take them!

Companies don’t necessarily list every discount very clearly, so we took the time to find both well-publicized as well as the least known ways to save on car insurance.

  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • College Student – Children who live away from home and do not have a car may qualify for this discount.

Drivers should understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of companies with the best car insurance discounts, follow this link.

Do I just need basic coverages?

When choosing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if I break a side mirror?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I crash into my own garage door?
  • Can my teen drive my company car?
  • Is other people’s property covered if stolen from my vehicle?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, loss of income, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your CR-V caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door, crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda CR-V.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, hitting a deer, a broken windshield, damage from getting keyed and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills like prosthetic devices, surgery, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Do the work, save more money

Cost effective 2009 Honda CR-V insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

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