Cheaper 2015 Honda CR-V Insurance Quotes

Trying to find cheaper insurance coverage rates for your Honda CR-V? No one looks forward to paying for insurance coverage, particularly when their premiums are through the roof. Because there are so many insurance coverage companies to choose from, it is very difficult to choose the lowest cost insurance company.

You need to compare prices at least once a year because rates tend to go up over time. If you had the best deal on CR-V coverage a few years ago you can probably find a better price now. So just forget anything you know (or think you know) about insurance coverage because you’re going to learn the fastest way to save on insurance coverage.

The purpose of this post is to introduce you to how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to understand the tricks to compare company rates online.

Compare Auto Insurance Costs

Reducing your 2015 Honda CR-V insurance rates isn’t really that difficult. Consumers just need to take the time to get quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. The first (and easiest) way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing boring form submissions for each company you want a rate for. In just a few minutes this one form will return price quotes instantly.
  2. A more difficult way to compare prices requires you to visit the website for every company you want to comare to complete a price quote. For examples sake, let’s assume you want rates from Farmers, Allstate and GEICO. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, compare the exact same coverage limits for every quote you compare. If you have different values for each quote it will be impossible to decipher which rate is best.

Save with discounts on Honda CR-V insurance

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. A few discounts will automatically apply at quote time, but some may not be applied and must be asked about before being credited. If you’re not getting every credit you deserve, you are paying more than you should be.

  • No Charge for an Accident – Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Student Driver Training – Require your teen driver to take driver’s ed class in high school.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on CR-V coverage with a few insurance companies.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce your overall premium however.

To see a list of companies with the best insurance discounts, click here to view.

Why your Honda CR-V insurance rates may be high

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that may reward you with better car insurance rates.

Listed below are a few of the “ingredients” car insurance companies consider when setting rates.

  • Pleasure use or commuting – The more you drive in a year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates than those used for commuting. Improper usage on your CR-V may be costing you. Make sure your car insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Poor driving leads to higher costs – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one ticket can bump up the cost twenty percent or more. Drivers with severe tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Honda CR-V scored better than four stars on it may be receiving lower rates.
  • Credit scores impact car insurance rates – Your credit history is a huge factor in determining what you pay for car insurance. So if your credit rating is not that good, you could be paying less to insure your 2015 Honda CR-V by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Rates may be higher depending on your occupation – Occupations such as lawyers, social workers and dentists are shown to have the highest average rates because of stressful work requirements and long work hours. Other jobs such as farmers, historians and the unemployed pay the least on CR-V coverage.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Women and men are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • One company can mean more discounts – Some companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to ensure the best deal.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy liability insurance?
  • Does my insurance cover my expensive audio equipment?
  • What is high-risk coverage and where do I buy it?
  • How can I get high-risk coverage after a DUI?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the companies make the same claim of big savings after switching to them.

How does each company make the same claim?

All companies are able to cherry pick for the driver that makes them money. An example of a preferred risk might be between 25 and 40, has no driving citations, and has excellent credit. A driver who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the “perfect” profile will have to pay more money and ends up with the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully advertise the savings.

Because of the profiling, you should get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Honda CR-V insurance rates.

Specifics of your insurance policy

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 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. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hail damage and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t 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. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, legal defense fees, medical expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This covers damage to your CR-V from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for things like doctor visits, dental work and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Smart consumers save more

Lower-priced 2015 Honda CR-V insurance can be sourced both online and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered a lot of tips how to reduce insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

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