Save on 2013 Honda CR-V Insurance Rates

There isn’t a single person who is fond of buying insurance, especially when they are aware that they are paying too much. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate

If you are insured now or need a new policy, you can use this information to get lower rates while maintaining coverages. Finding the best rates is quite easy. Vehicle owners only need to know the best way to buy car insurance online.

How much is car insurance?

Many insurance companies allow you to get coverage prices direct online. Getting online quotes is easy for anyone as you simply enter as detailed in the form. Once entered, the quote system pulls information on your driving record and credit history and gives you a price quote based on the information you submitted. This makes it simple to compare prices but having to visit a lot of sites and complete many quote forms is monotonous and tiresome. But it is imperative to perform this step in order to find better car insurance pricing.

Isn’t there an easier way to compare rates?

An easier way to find better car insurance pricing uses one form that gets price quotes from many companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much more efficient. Immediately after you send the form, your coverage is rated and you can select any of the resulting price quotes.

If a lower price is quoted, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you enter exactly as shown on your declarations page. This helps ensure you will have rate quotes based on identical coverages.

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Save with with these discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be asked about before being credited.

• Early Switch Discount – Some insurance companies reward drivers for signing up early. You may see this discount when you get insurance quotes online.
• No Claim Discounts – Drivers who stay claim-free can save substantially in comparison to frequent claim filers.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates on CR-V insurance.
• Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% on CR-V insurance with select insurance companies.
• Anti-lock Brake System – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Discount for Multiple Policies – If you can combine your homeowners and auto policy with one insurance company you will save approximately 10% to 15%.
• Homeowners Pay Less – Owning a home can earn you a little savings because maintaining a house demonstrates responsibility.
• College Student Discount – Children living away from home attending college and do not take a car to college may qualify for this discount.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies that may offer these discounts are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When getting free insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Discounts may not apply to policies in your area.

Your situation helps dictate your coverage

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining whether you would benefit from an agent’s advice.

• What are the financial responsibility laws in my state?
• How high should deductibles be on a 2013 Honda CR-V?
• Do I need PIP coverage since I have good health insurance?
• Is a new car covered when I drive it off the dealer lot?
• Does medical payments coverage apply to all occupants?
• Do I pay less for low miles?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Informed consumers know how to find insurance coverage more affordably

Many factors are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are not as apparent such as your credit history or your vehicle rating.

Shown below are some of the items companies use to determine your rate level.

• Drive lots and pay more – The more miles you rack up on your Honda in a year the more it will cost to insure it. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure compared to those used for work or business. Improper usage on your CR-V is just wasting money. Ask your agent if your vehicle rating shows how each vehicle is driven.
• Only buy extra policy coverages you need – Insurance companies have many additional coverages that you can get tricked into buying when buying insurance coverage. Coverages like vanishing deductibles, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past remove them from your policy.
• Do you know you’re credit history? – A driver’s credit history can be an important factor in determining your rates. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 2013 Honda CR-V by improving your credit score. People with excellent credit tend to be more responsible than drivers who have bad credit.
• Having a spouse equates to better rates – Having a significant other can actually save you money on your insurance coverage bill. Having a spouse demonstrates that you tend to be more mature and statistics prove married drivers tend to have fewer serious accidents.
• Big cities mean more claims – Having an address in smaller towns and rural areas of the country is a good thing when it comes to insurance coverage. Drivers in populated areas tend to have much more traffic and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims.

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Well known brands might not be cheapest

Drivers can’t get away from all the ads that claim the cheapest premium rates from the likes of 21st Century, Allstate and State Farm. All the ads state the claim that you can save just by moving your policy.

How does every car insurance company save you money?

Insurance providers require specific criteria for the type of insured that will most likely be profitable. For instance, this type of driver could possibly be between the ages of 30 and 50, has never had a policy lapse, and has a high credit rating. Any customer who fits that profile will get the preferred rates and will also save if they switch.

Consumers who fall short of the requirements will get a higher premium which leads to the customer buying from a different company. The ads state “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make claims like that.

Because of the profiling, you really need to quote coverage with many companies. Because you cannot predict which insurance companies will give you lower rates than your current company.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is 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 medical services, repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, X-ray expenses, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda CR-V.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage covers damage to your CR-V from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

A penny earned…

We just showed you many ways to save on 2013 Honda CR-V insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper insurance. Consumers could even find that the lowest rates are with a small mutual company. These smaller insurers often have lower car insurance rates on specific markets as compared to the big name companies such as Progressive and Geico.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Even more information can be found at these sites:

• Bodily Injury Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Neck Injury FAQ (iihs.org)

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