Compare 2012 Honda CR-V Insurance Quotes

Looking for better auto insurance rates for your Honda CR-V? Trying to come up with a payment for pricey auto insurance can empty your budget and maybe even restrict other spending. Performing a price comparison is a great way to lower your monthly bill.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a company and get the best coverage at the lowest cost out there.

Consumers need to do price comparisons once or twice a year because prices are rarely the same from one policy term to another. Even if you got the best rates for CR-V coverage last year you may be paying too much now. There are a lot of ways to save on auto insurance on the web, but in just a couple of minutes you can learn a bunch of ideas how to buy auto insurance cheaper.

Shop insurance coverage online

There are a lot of ways to compare insurance coverage prices and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program that enables customers to enter their policy data once, and each company returns a competitive quote. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which providers to receive prices from. So if you want to select specific insurance companies to compare, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, do your best to enter the exact same information on every price quote you get. If each company quotes differing limits it’s not possible to determine which company has the best rates.

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

 Secured with SHA-256 Encryption

Car insurance advertising gotchas

Consumers can’t avoid all the ads that promise big savings from the likes of Progressive, Allstate and Geico. They all tend to make the same promise that drivers can save some big amount after switching your policy.

Is it even possible that every company can sell you cheaper insurance coverage? Here is the trick they use.

All companies quote the lowest rates for a prospective insured that earns them a profit. A good example of a desirable insured might be a mature driver, carries full coverage, and has a short commute. Anybody who meets those qualifications is entitled to the best price and will probably cut their rates substantially.

Potential customers who don’t measure up to these criteria may be forced to pay a more expensive rate and business going elsewhere. The trick is to say “customers that switch” not “everyone that quotes” save that much. That’s why companies can truthfully lure you into getting a quote.

This illustrates why drivers should get price quotes at each policy renewal. Because you never know with any certainty which company will provide the lowest rates.

Get cheaper car insurance with discounts

Some companies do not list their entire list of discounts very clearly, so we break down some of the more common as well as the least known credits available to you.

• Onboard Data Collection – Insureds who allow their company to monitor their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
• Discounts for Safe Drivers – Drivers without accidents may save up to 50% more for CR-V coverage than drivers with accident claims.
• Auto/Home Discount – When you have multiple policies and insure them with the same company you may save at least 10 to 15 percent or more.
• Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in high school.

As a footnote on discounts, most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will lower the amount you pay for coverage.

Popular car insurance companies and a partial list of their discounts are shown below.

• 21st Century may include discounts for 55 and older, air bags, automatic seat belts, early bird, good student, anti-lock brakes, and defensive driver.
• Progressive includes discounts for continuous coverage, online signing, homeowner, good student, and multi-vehicle.
• State Farm offers premium reductions for driver’s education, good student, good driver, passive restraint, and safe vehicle.
• Nationwide has discounts for defensive driving, Farm Bureau membership, multi-policy, anti-theft, and accident-free.
• Esurance offers discounts including claim free, DriveSense, anti-theft, good student, homeowner, emergency road assistance, and Pac-12 alumni.
• The Hartford has savings for air bag, vehicle fuel type, defensive driver, good student, bundle, and anti-theft.

If you need lower rates, check with all the companies the best way to save money. Savings might not apply everywhere.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation may require specific advice.

• Should I get collision insurance on every vehicle?
• Do I have newly-aquired coverage?
• How much liability insurance is required?
• Exactly who is provided coverage by my policy?
• Are all vehicle passengers covered by medical payments coverage?
• What is roadside assistance coverage?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions then you might want to talk to 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 is quick, free and you can get the answers you need.

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

 Secured with SHA-256 Encryption

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as loss of income, structural damage, medical expenses, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda CR-V.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage covers 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 insurance covers things like hail damage, theft and damage from getting keyed. The most a 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 it’s probably time to drop comprehensive insurance.

Make a quick buck

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that it was a big error on their part. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

Low-cost 2012 Honda CR-V insurance is definitely available online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not have rate quotes online and usually these regional carriers sell through local independent agencies.

Even more information can be found in the articles below:

• Distracted Driving Extends Beyond Texting (State Farm)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Los Angeles? (LosAngelesCoverage.com)
• Cellphones, Texting and Driving (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)

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

 Secured with SHA-256 Encryption