How Much Does 1997 Honda CR-V Insurance Cost?

Wish you could get out of overpriced auto insurance? Don’t sweat it because there are lots of people in the same boat. Since you have so many companies and agents to choose from, it is hard for the average consumer to pick the cheapest auto insurance provider.

This information will help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to reduce your rates substantially using this information. Consumers just need to learn how to buy auto insurance on the web.

How much does insurance coverage cost?

There are a lot of ways to compare insurance coverage quotes, and some are more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each company.

To compare rates using this form now click here to start a free quote.

The only downside to comparing rates this way is you can’t choose which providers to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use identical coverages on every price quote you get. If your comparisons have mixed coverages you will not be able to determine the lowest rate for your Honda CR-V.

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Use discounts to get cheaper car insurance rates

Car insurance is not cheap nor is it fun to buy but there could be significant discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but some discounts are required to be asked for before they will apply.

• Smart Student Discounts – Being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
• Driver Education Discount – Require your teen driver to complete a driver education course in school.
• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
• Early Signing – A few insurance companies allow discounts for switching policies before your current policy expires. It’s a savings of about 10%.
• Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% for CR-V coverage.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, that’s just not realistic. But all discounts will help lower your car insurance premiums.

A few popular companies and a selection of discounts can be found below.

• State Farm includes discounts for defensive driving training, good driver, passive restraint, Drive Safe & Save, multiple policy, and driver’s education.
• Liberty Mutual discounts include teen driver discount, newly retired, safety features, new vehicle discount, and new graduate.
• American Family offers discounts including good student, multi-vehicle, TimeAway discount, defensive driver, Steer into Savings, and air bags.
• Progressive may offer discounts for multi-vehicle, online quote discount, continuous coverage, homeowner, multi-policy, online signing, and good student.
• Farmers Insurance offers discounts for pay in full, teen driver, switch companies, youthful driver, mature driver, multi-car, and good student.
• Auto-Owners Insurance policyholders can earn discounts including group or association, student away at school, safe driver, teen driver, safe vehicle, multi-policy, and multiple vehicles.
• SAFECO may include discounts for teen safe driver, teen safety rewards, bundle discounts, safe driver, and accident prevention training.

If you want inexpensive insurance quotes, ask each insurance company how many discounts you can get. Some discounts might not apply everywhere.

How to lower your insurance costs

Part of the auto insurance buying process is learning a few of the rating criteria that aid in calculating the price you pay for auto insurance. When consumers understand what impacts premium levels, this enables informed choices that can help you get cheaper rates. Many different elements are taken into consideration when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are more transparent like where you live or how financially stable you are.

• Liability limits are a factor – Your policy’s liability coverage is the coverage that protects you if you are ruled to be at fault for an accident. Liability provides legal defense to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Males tend to take more risk – Over time, data shows that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Women and men are in fender benders in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Your credit score is important – Having a bad credit history is a large factor in your rate calculation. If your credit score is low, you could be paying less to insure your 1997 Honda CR-V if you improve your credit rating. Drivers with excellent credit scores tend to file fewer claims than those with poor credit scores.
• Teen drivers pay more – Young drivers have a tendency to be more careless when behind the wheel and because of this, their auto insurance rates are much higher. Older people are more cautious drivers, cost insurance companies less in claims , and are generally more financially stable.
• Alarm systems systems cut rates – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
• Remove unneeded incidental coverages – Insurance companies have many extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Coverages for roadside assistance, death and dismemberment, and extra life insurance coverage could be just wasting money. These coverages may sound good at first, but your money might be better spent on other coverage so eliminate them to save money.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining whether you could use an agent’s help.

• What is medical payments coverage?
• What companies insure drivers after a DUI or DWI?
• At what point should I drop full coverage?
• Does my insurance cover my expensive audio equipment?
• Do I need motorclub coverage?
• Should I bundle my homeowners policy with my auto?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

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Do you really save 40% when you switch?

Consumers can’t escape the ads that claim the cheapest car insurance rates by State Farm and Allstate. They all tend to make the same promise that drivers will save a bundle if you just switch your policy.

That’s great but how can every company cost less than your current company? This is the trick they use.

All the different companies have strict underwriting profiles for the type of customer they prefer to insure. For instance, a preferred risk should be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and will probably save a lot if they switch.

Potential insureds who fall short of those standards will probably have to pay a more expensive rate and this can result in the customer buying from someone else. Company advertisements say “people who switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully advertise the savings.

This really drives home the point why you need to compare many company’s premium rates. You cannot predict with any certainty which company will provide you with the cheapest car insurance rates.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, dental work and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Honda CR-V.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as loss of income, legal defense fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism, rock chips in glass and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage covers damage to your CR-V resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Best coverage at the best price

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

Affordable 1997 Honda CR-V insurance can be found both online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and these smaller providers work with independent agents.

More resources

• Insuring a Leased Car (Insurance Information Insitute)
• Who Has Cheap Phoenix Car Insurance Quotes for a Honda CR-V? (QuotePhoenix.com)
• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Understanding your Policy (NAIC.org)
• Credit and Insurance Scores (Insurance Information Insitute)

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