Compare 2010 Honda CR-V Insurance Rates

Looking for lower insurance coverage rates? Shoppers have a choice when shopping for affordable Honda CR-V insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to compare insurance coverage rates and we’ll show you the best way to compare rates for your Honda and find the best price possible either online or from local insurance agents.

Consumers should take time to do rate comparisons before your policy renews because rates are adjusted regularly by insurance companies. Just because you had the lowest rates on CR-V coverage last year you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage online, so we’re going to give you some great ways to put money back in your pocket.

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Drivers only need an understanding of the best way to compare price quotes on the web.

Cut prices on 2010 Honda CR-V insurance

Auto insurance companies don’t always advertise all available discounts very clearly, so we break down some of the more common and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit you deserve, you are throwing money away.

  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Drivers Education – Have your child complete a driver education course in high school.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Save with a New Car – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Memberships – Belonging to certain professional organizations could qualify you for a break on insurance coverage on CR-V coverage.
  • Accident Waiver – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

It’s important to understand that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way.

To see a list of insurance companies who offer insurance coverage discounts, click here to view.

Free Quotes for Auto Insurance

Getting a cheaper price on 2010 Honda CR-V insurance is not a difficult process. Consumers just need to take a couple of minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The most efficient way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form entry for each company. In just a few minutes this one form compares rates direct from many companies. This is by far the quickest method.
  2. A more difficult way to get quotes online consists of going to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want rates from USAA, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using identical coverages for every quote you compare. If your comparisons have different values for each quote then you won’t be able to make a fair comparison for your Honda CR-V.

Complexity of Honda CR-V insurance rates

It’s important that you understand the rating factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

Shown below are a few of the “ingredients” that factor into your rates.

  • Occupation reflects on rates – Occupations such as judges, architects and financial analysts tend to have higher average rates because of high stress levels and long work hours. Conversely, professions such as scientists, engineers and retirees receive lower rates on CR-V coverage.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Honda is rated at least four stars on you may qualify for a discount.
  • Marriage pays dividends – Having a wife or husband can get you a discount on your insurance coverage policy. Marriage usually means you are more responsible and it’s proven that married couples file fewer claims.
  • Do you know you’re credit rating? – Your credit rating is a large factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. If your credit can use some improvement, you could potentially save money when insuring your 2010 Honda CR-V by improving your credit score.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability do I need to cover my assets?
  • Will my insurance pay for OEM parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 2010 Honda CR-V?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Insurance myths debunked

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, GEICO and Progressive. All the companies make the same claim that you’ll save big if you switch your policy.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives newer vehicles. A customer getting a price quote who meets those qualifications receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. The ads state “customers who switch” not “people who quote” save that kind of money. That’s the way companies can advertise the way they do. That is why you should compare as many rates as you can. It is impossible to predict the company that will have the lowest Honda CR-V insurance rates.

Car insurance 101

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, hitting a bird, damage from a tornado or hurricane, damage from flooding and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance pays for damage to your CR-V from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, crashing into a building, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2010 Honda CR-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance – This coverage will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for bills like funeral costs, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Saving money is sweet as honey

Insureds switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, questionable increases in premium and policy non-renewal. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

Discount 2010 Honda CR-V insurance can be sourced online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just showed you a lot of information how to compare insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the best prices are with the least-expected company.

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