Cheap 1998 Honda CR-V Insurance Rates

Shoppers have options when shopping for affordable Honda CR-V insurance. They can either waste time driving around trying to get quotes or leverage the internet to compare rates. There is a better way to find insurance online and we’ll show you the absolute fastest way to price shop coverage on a Honda and get the best price possible from local insurance agents and online providers.

How to shop car insurance online

The majority of larger companies give prices for coverage from their websites. Obtaining pricing is fairly simple as you simply enter the coverages you want on the page. When the form is submitted, their quoting system orders credit information and your driving record and returns a price based on the data you entered.

Quoting online makes it simple to compare prices but having to visit different websites and complete many quote forms is a waste of time. But it’s also necessary to perform this step if you are searching for better car insurance pricing.

The smarter way to find lower prices uses one simple form that gets price quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier to do. As soon as the form is sent, it is quoted and you can select your choice of the price quotes you receive. If you find a better price you simply finish the application and buy the policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy the coverage information as shown on your current policy. This makes sure you will have comparison quotes using the exact same coverages.

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Verify you’re applying every discount

Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you quote, but less common discounts must be requested specifically prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Military Rewards – Being deployed in the military could be rewarded with lower prices.
• Discounts for New Vehicles – Adding a new car to your policy may earn a small discount due to better safety requirements for new vehicles.
• Multiple Cars – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.
• Discounts for Good Drivers – Drivers without accidents may save up to 50% more on CR-V coverage than drivers with accident claims.
• Distant College Student Discount – Older children living away from home attending college and leave their car at home may be insured at a cheaper rate.
• No Claim Discounts – Insureds with no claims or accidents pay much less when compared to frequent claim filers.
• Driver Training Discounts – Completing a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
• Senior Citizen Discount – Older drivers may receive reduced rates on CR-V coverage.

You can save money using discounts, but some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Popular auto insurance companies and some of their more popular discounts are included below.

• Geico includes discounts for anti-theft, membership and employees, defensive driver, federal employee, and multi-vehicle.
• USAA may have discounts that include multi-policy, safe driver, driver training, vehicle storage, and good student.
• Progressive has savings for online signing, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• American Family policyholders can earn discounts including early bird, mySafetyValet, TimeAway discount, bundled insurance, air bags, and accident-free.
• Esurance may offer discounts for homeowner, DriveSense, emergency road assistance, claim free, online shopper, and multi-policy.
• Farmers Insurance has discounts for youthful driver, pay in full, business and professional, bundle discounts, electronic funds transfer, and alternative fuel.
• State Farm discounts include passive restraint, good driver, student away at school, multiple policy, safe vehicle, and anti-theft.

When getting free car insurance quotes, it’s a good idea to all the companies what discounts are available to you. Discounts might not be available to policyholders everywhere.

You can change your insurance rates

A large part of saving on insurance is knowing the rating factors that aid in calculating the rates you pay for insurance. If you understand what determines premiums, this allows you to make educated decisions that could result in lower insurance prices.

• Insurance rates in urban areas – Residing in small towns and rural areas has definite advantages when shopping for auto insurance. Urban drivers have traffic congestion and longer commute times. Lower population translates into fewer accident claims and lower theft and vandalism rates.
• Older drivers are lower risk – Teen drivers tend to be less responsible in a vehicle therefore insurance rates are much higher. More experienced drivers are shown to be more cautious, tend to file fewer claims , and usually have better credit.
• More stress means more cost – Careers such as lawyersairline pilots and emergency personnel tend to pay higher premium rates due to stressful work requirements and incredibly demanding work hours. Conversely, jobs such as actors, historians and homemakers receive lower rates on CR-V coverage.
• Do you know you’re credit history? – Having a bad credit score can be an important factor in determining what you pay. Drivers with high credit scores tend to file fewer claims as compared to drivers with lower credit ratings. So if your credit history can use some improvement, you could pay less to insure your 1998 Honda CR-V by repairing your credit.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help highlight whether your personal situation may require specific advice.

• Should I buy full coverage?
• Does insurance cover damages from a DUI accident?
• Do I have coverage when making deliveries for my home business?
• Will my insurance pay for OEM parts?
• What is high-risk coverage and where do I buy it?
• Am I covered when driving in Canada or Mexico?
• I have health insurance so do I need medical payments coverage?
• Is my 1998 Honda CR-V covered for flood damage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

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Car insurance 101

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Honda CR-V.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like chiropractic care, funeral costs, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

When shopping online for insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits and learned later that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest cost, not the least amount of coverage.

People switch companies for a number of reasons such as high prices, poor customer service, unfair underwriting practices and even denial of a claim. Whatever your reason, finding a new company can be easier than you think.

We just presented quite a bit of information on how to shop for 1998 Honda CR-V insurance online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from an unexpected company.

Helpful resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Electronic Stability Control FAQ (iihs.org)

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