1997 Honda CR-V Insurance Rates – 5 Discounts for Cheaper Quotes

Want lower car insurance rates for your Honda CR-V? Wish you could get out of an underperforming, overpriced car insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best rate

Consumers should take time to check car insurance prices quite often because insurance prices fluctuate regularly. Just because you had the lowest rates on CR-V insurance on your last policy you will most likely find a better rate quote today. Block out anything you think you know about car insurance because you’re about to learn the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are looking for a new policy, you can use this information to get lower rates and still get good coverage. Buying car insurance is not rocket science. Vehicle owners only need an understanding of the proper methods to compare company rates online.

How to shop auto insurance online

Comparing auto insurance rates can take hours if you don’t understand the most efficient way to do it. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and at least one company can provide price quotes for coverage. This system prevents you from having to do quote forms for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies you want to price. So if you want to choose specific providers to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare nearly identical coverages for every quote you compare. If you use higher or lower deductibles it will be next to impossible to determine the lowest rate for your Honda CR-V.

Insurance companies offer lots of discounts

Some companies do not list all available discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance online. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Bundle and Save – If you combine your auto and homeowners policies and place coverage with the same company you may earn at least 10% off all policies.
  • Save with More Vehicles Insured – Insuring several vehicles on a single policy may reduce the rate for each vehicle.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Sign Online – A few larger online companies will give a small break simply for signing over the internet.
  • Drive Less and Save – Keeping the miles down on your Honda could be rewarded with slightly better premium rates than normal.

As a sidenote, most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Some companies that have these benefits include:

It’s a good idea to ask each insurance company what discounts are available to you. A few discounts may not apply to policyholders everywhere. To see insurers that offer some of these discounts, click here to view.

Do I just need basic coverages?

When it comes to buying coverage, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining if you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Can my babysitter drive my car?
  • Do I have newly-aquired coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is no-fault insurance?
  • Can I still get insurance after a DUI?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy full coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

Collision coverages – Collision coverage will pay to fix damage to your CR-V caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1997 Honda CR-V.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability – Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as legal defense fees, court costs, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from a tornado or hurricane and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, funeral costs, EMT expenses, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Saving money is sweet as honey

A few companies may not have rates over the internet and most of the time these small insurance companies work with independent agents. Discount 1997 Honda CR-V insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When searching for cheap insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage only to find out they didn’t have enough coverage. Your objective should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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