2018 Honda CR-V Car Insurance Rates – 7 Discounts for Best Quotes

Searching for cheaper auto insurance rates for your Honda CR-V? No sane person looks forward to buying auto insurance, especially when they could find better prices if they shop around.

Consumers have multiple car insurance companies to pick from, and although it’s nice to have a choice, having more insurance companies makes it harder to find the lowest cost provider.

Compare insurance coverage rate quotes

Most of the larger companies allow you to get coverage price quotes on the web. Obtaining pricing is possible for anyone because it’s just a matter of typing in your coverage information as requested by the quote form. Once you submit the form, their rating system automatically orders reports for credit and driving violations and generates a price. Online price estimates makes it simple to compare prices but the time required to go to several different sites and type in the same data can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to get the lowest insurance coverage rates.

The quickest way to find lower prices utilizes a single form that gets price quotes from multiple companies. The form is fast, requires much less work on your part, and makes price shopping online much more efficient. Immediately after you send the form, it gets priced and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. This process only takes a few minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you duplicate deductibles and limits just like they are on your policy. Doing this guarantees you will be getting comparison quotes for similar coverage.

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Don’t miss these seven discounts

Insuring your vehicles can cost a lot, but there may be some discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but once in a while a discount must be specifically requested before being credited.

• Telematics Data – Drivers who agree to allow driving data collection to track their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
• No Accidents – Drivers with accident-free driving histories can save substantially compared to insureds who have frequent claims or accidents.
• Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles on one policy qualifies for this discount.
• Accident Forgiveness Coverage – but certain companies allow you one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Military Rewards – Having an actively deployed family member could qualify you for better auto insurance rates.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
• ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

Companies and a selection of discounts can be found below.

• Geico policyholders can earn discounts including multi-vehicle, multi-policy, anti-theft, military active duty, five-year accident-free, and driver training.
• USAA offers discounts including good student, multi-policy, military installation, defensive driver, safe driver, vehicle storage, and loyalty savings.
• Progressive has savings for multi-vehicle, continuous coverage, online quote discount, online signing, homeowner, and good student.
• American Family offers premium reductions for good driver, bundled insurance, TimeAway discount, good student, mySafetyValet, early bird, and multi-vehicle.
• Esurance includes discounts for good driver, DriveSense, claim free, multi-policy, good student, and defensive driver.
• Farmers Insurance discounts include pay in full, bundle discounts, homeowner, business and professional, early shopping, mature driver, and multi-car.
• State Farm may include discounts for anti-theft, good driver, passive restraint, Steer Clear safe driver discount, student away at school, and good student.

When getting free auto insurance quotes, it’s a good idea to all the companies what discounts are available to you. Discounts may not be offered in your area. If you would like to view providers that can offer you the previously mentioned discounts, follow this link.

Special considerations

When choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether or not you would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• Where can I find high-risk insurance?
• What discounts do I qualify for?
• Do I need replacement cost coverage on my 2018 Honda CR-V?
• What companies insure drivers after a DUI or DWI?
• Can I drive in Mexico and have coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Knowing the specifics of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Liability coverage – This coverage will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, emergency aid and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, nursing services, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – Collision coverage pays for damage to your CR-V caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Honda CR-V.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

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Make an honest buck

Cheap 2018 Honda CR-V insurance is definitely available both online and from local agencies, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance providers may not provide rates over the internet and these regional carriers provide coverage only through local independent agents.

When shopping online for car insurance, do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest price.

To read more, link through to these articles:

• Things to Know Before you Cancel Insurance (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Understanding your Policy (NAIC.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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