Compare 2011 Honda CR-V Insurance Rates

Looking for the cheapest insurance rates for your Honda CR-V? Finding more affordable rates on Driversinsurance can seem to be quite difficult for drivers who are new to online comparison shopping. With such a large number of agents and companies competing online, it can easily be a difficult challenge to find the best rates.

Free auto insurance price quotes

To find cheaper rates, there are a couple of ways of comparing price quotes from companies that offer auto insurance in your state. One of the best ways to compare 2011 Honda CR-V insurance prices consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions for each price estimate. One form gets you coverage quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
2. A slightly less efficient method to compare prices is to manually visit each individual company website and complete a new quote form. For example, we’ll assume you want to compare prices for Liberty Mutual, Geico and Travelers. In order to compare rates, you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, compare equivalent coverages on every quote you get. If your comparisons have different deductibles you will not be able to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could skew the results. It’s important to know that comparing a wide range of rates will enable you to find a better price.

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Affordable car insurance rates with discounts

Car insurance can be pricey, but you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you quote, but some discounts are required to be asked for before being credited.

• Senior Citizens – Drivers over the age of 55 may qualify for reduced rates on CR-V coverage.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
• Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
• Low Mileage Discounts – Fewer annual miles on your Honda can earn lower car insurancerates due to less chance of an accident.
• Discount for Life Insurance – Companies who offer life insurance give a discounted price on car insurance if you buy life insurance from them.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally until age 25.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on CR-V coverage than drivers with accidents.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To locate companies that offer the discounts shown above, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation may require specific advice.

• Which companies will insure high-risk drivers?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What is the ISO rating for a 2011 Honda CR-V?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my policy cover my teen driver if they drive my company car?
• Can I make deliveries for my home business?
• I have health insurance so do I need medical payments coverage?
• When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Choices you make can impact your insurance premiums

Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are not quite as obvious like your continuous coverage and annual miles driven.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your rates.

• Liability is important – The liability section of your policy kicks in in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Deter theft and pay less – Owning a car with an alarm system can help bring down rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
• Lower rates with a multi-policy discount – Lots of insurance companies apply a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even though this discount sounds good, it’s always a smart idea to check prices from other companies to verify if the discount is saving money.
• Better credit means lower costs – Credit history can be an important factor in determining what you pay for car insurance. Insureds that have excellent credit scores tend to file fewer claims and have better driving records than drivers with poor credit. If your credit rating could use some work, you could pay less to insure your 2011 Honda CR-V by improving your credit score.
• Lower miles equals lower premium – The more you drive your Honda every year the more it will cost to insure it. A lot of insurance companies calculate rates based on how the vehicle is used. Autos that have low annual miles receive lower rates compared to those used for work or business. Improper usage on your CR-V may be costing you. Verify your car insurance policy correctly shows the correct usage for each vehicle.
• Responsible drivers pay less – Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance compared to bad drivers. Having just one chargable violation can boost insurance rates twenty percent or more. Drivers unfortunate enough to have severe citations such as DUI or willful reckless driving may be required to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
• Rental and towing coverage may not be needed – There are a lot of additional extra coverages you can purchase if you aren’t careful. Add-on coverages like vanishing deductibles, accidental death, and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but your money might be better spent on other coverage so remove them and pocket the money.

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Well known brands might not be cheapest

Respected companies like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. They all seem to say the same thing about how much you will save just by moving your coverage. Is it even possible that every company can make the same claim?

All companies provide the lowest rates for a prospective insured that earns them the highest profit. For instance, this type of insured may be over the age of 45, owns their home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” gets the lowest prices and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for the requirements will probably be forced to pay a more expensive rate which translates to business not being written. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much. That’s why companies can advertise the savings.

That is why you need to compare quotes as often as possible. Because you cannot predict which insurance company will be your best fit.

Detailed coverages of your insurance policy

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, prosthetic devices, surgery, pain medications and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

This coverage covers damage to your CR-V caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, backing into a parked car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, structural damage, repair bills for other people’s vehicles, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda CR-V.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

You can do this!

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits to discover at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, poor customer service or even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

We just showed you quite a bit of information on how to shop for 2011 Honda CR-V insurance online. The key thing to remember is the more you quote auto insurance, the better your chances of lowering your prices. You may even find the most savings is with a small local company.

To read more, take a look at the resources below:

• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Get the Right Protection (InsureUonline.org)
• Child Safety Seats (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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