Lower Your 2010 Honda CR-V Insurance Quotes

Want cheaper auto insurance rates for your Honda CR-V? There isn’t anyone who looks forward to buying auto insurance, particularly when the prices are way too high.

There is such a variety of auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare company pricing.

Smart consumers take time to shop coverage around on a regular basis because prices change quite often. Just because you had the lowest quotes on CR-V insurance a few years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance online but by reading this article, you’re going to learn some guaranteed methods to lower your auto insurance bill.

Do you qualify for discounts?

Some providers do not advertise the entire discount list in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

• Sign Online – A handful of larger companies may give you up to $50 for signing up over the internet.
• Data Collection Discounts – Insureds who allow driving data collection to track their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
• Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• No Charge for an Accident – Not a discount per se, but a handful of insurance companies allow you one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
• Sign Early and Save – Some companies give discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Memberships – Belonging to a qualifying organization could earn you a nice discount when shopping for auto insurance.
• Smart Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students until age 25.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few popular companies and a selection of discounts can be found below.

• Progressive discounts include multi-policy, online signing, continuous coverage, good student, and homeowner.
• The Hartford includes discounts for air bag, anti-theft, defensive driver, driver training, and vehicle fuel type.
• Mercury Insurance offers discounts for professional/association, good student, age of vehicle, multi-policy, and accident-free.
• Geico may offer discounts for emergency military deployment, driver training, anti-lock brakes, membership and employees, and good student.
• AAA may have discounts that include anti-theft, pay-in-full, AAA membership discount, education and occupation, and good student.
• State Farm policyholders can earn discounts including good student, good driver, defensive driving training, Drive Safe & Save, and passive restraint.

Before buying, ask each insurance company what discounts are available to you. Some discounts may not apply to policyholders in your area. For a list of companies that offer discounts, click here.

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Low cost insurance rate quotes online

Shopping for lower insurance rates is a ton of work if you don’t utilize the best way to get rate quotes. You could waste a few hours talking to agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company can give them a price based on that data. This system prevents you from having to do quotation requests to every company. To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to using this type of form is you can’t choose the insurers you want pricing from. If you would rather choose specific insurance companies to compare, we have a page of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter the exact same coverages and limits on every quote you get. If you enter differing limits you will not be able to make an equal comparison. Just a small difference in coverages could throw off the whole comparison. And when price shopping your coverage, comparing more rates from different companies increases the change that you will find better pricing. Not every company provides online rate quotes, so you should also compare prices from them, too.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

• Does my 2010 Honda CR-V need full coverage?
• What if I total my 2010 Honda CR-V and owe more than it’s worth?
• Should I buy only the required minimum liability coverage?
• What are the best liability limits?
• Am I covered when using my vehicle for business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when driving on a suspended license?
• When can I cancel my policy?
• Do all my vehicles need collision coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for things like prosthetic devices, doctor visits, hospital visits, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays for damage to your CR-V 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 sideswiping another vehicle, damaging your car on a curb, driving through your garage door, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2010 Honda CR-V.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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Smart consumers save more

You just read a lot of techniques to reduce 2010 Honda CR-V insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates come from a small mutual company. These companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

When getting auto insurance quotes online, it’s very important that you do not buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Much more information about auto insurance can be found at these links:

• Understanding Car Crashes Video (iihs.org)
• Who Has Cheap Car Insurance Quotes for a Honda CR-V in Jacksonville? (JacksonvilleCoverage.com)
• What is Covered by GAP Insurance? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Determing Auto Insurance Rates (Geico)
• A Tree Fell on Your Car: Now What? (Allstate)

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