2015 Honda CR-V Car Insurance Quotes

Searching for cheaper auto insurance rates for your Honda CR-V? Nobody I know looks forward to buying auto insurance, especially when their premiums are too high. Due to the abundance of companies to choose from, it can be impossible to pick the most affordable insurer.

Consumers need to check auto insurance prices yearly because insurance prices trend upward over time. Just because you had the best rate for CR-V coverage six months ago you can probably find a better premium rate now. You’ll find quite a bit of inaccurate information about auto insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to slash your auto insurance rates.

Pricing more affordable protection is easy if you know what you’re doing. If you have insurance now or need a new policy, you can use this information to find better prices and possibly find even better coverage. Drivers just need to learn how to shop for insurance coverage over the internet.

Save with these money-saving discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts that may help make it more affordable. Certain discounts will be applied at the time you complete a quote, but occassionally some discounts must be asked for prior to getting the savings.

• Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
• Early Switch Discount – Some companies reward drivers for buying a new policy early. It could save around 10% when you buy auto insurance online.
• Homeowners Savings – Just being a homeowner can save you money since home ownership demonstrates responsibility.
• Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for CR-V coverage than drivers with accidents.
• Bundled Policy Discount – When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
• Driving Data Discount – Drivers that enable their auto insurance company to scrutinize driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
• Student Discounts – This discount may save as much as 25% on a auto insurance quote. The good student discount can last until age 25.
• Online Discount – Many auto insurance companies may give you up to $50 just for signing your application on the web.
• New Car Discount – Putting auto insurance coverage on a new car can cost up to 25% less because new vehicles keep occupants safer.

As a sidenote, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

If you would like to see a list of auto insurance companies with the best auto insurance discounts, click this link.

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Do I need special coverages?

When it comes to buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining if you might need an agent’s assistance.

• How can I find cheaper teen driver insurance?
• What should my uninsured motorist coverage limits be in my state?
• What is PIP insurance?
• Are my tools covered if they get stolen from my vehicle?
• Is my trailer covered?
• What is roadside assistance coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if I wreck a rental car?
• Who is covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Big brands don’t always mean big savings

Consumers can’t escape the ads for insurance coverage savings by companies like Progressive, Geico, Allstate and State Farm. They all seem to try to convey promises that drivers can save some big amount if you just switch your insurance coverage coverage to their company.

How is it plausible that every one can give you a better price? Here is how they do it.

All companies give the cheapest rates for the type of driver that will not have excessive claims. A good example of this type of insured could possibly be between 30 and 50, owns their home, and has great credit. Someone who fits those characteristics is entitled to the best price and is almost guaranteed to cut their rates if they switch.

Drivers who fall outside these stringent criteria will get higher premiums and ends up with the customer buying from a different company. The wording the ads use say “people who switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can advertise the way they do.

Because of these techniques, you absolutely need to do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as funeral costs, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your CR-V from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

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More quotes mean more savings

Cheap 2015 Honda CR-V insurance can be found from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide rates over the internet and most of the time these small, regional companies only sell through independent agencies.

When getting auto insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

For more information, feel free to visit the resources below:

• Rental Car Insurance Tips (Insurance Information Insitute)
• Who Has Cheap Car Insurance Quotes for a Honda CR-V in Baltimore? (BaltimoreAutoGuard.com)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Understanding Car Crashes Video (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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