1998 Honda CR-V Insurance Quotes

Locating the lowest price insurance coverage is somewhat intimidating for people new to comparison shopping online. Because there are so many companies competing online, how are people able to even start to compare each option to find lower insurance coverage premiums?

It’s a good idea to compare prices on a regular basis because insurance coverage prices tend to go up over time. Even if you got the best deal for CR-V insurance a couple years back you may be paying too much now. There is a lot of bad advice regarding insurance coverage out there, but in a few minutes you can learn some proven techniques to buy insurance coverage cheaper.

Compare free car insurance price quotes

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the most efficient way. You can spend your afternoon talking about coverages with agents in your area, or you can utilize the web to maximize your effort.

The majority of car insurance companies take part in a program where insurance shoppers submit one quote, and every company provides a quote determined by their information. This eliminates the need for quote forms to each company.

To use this form to compare rates click here to start a free quote.

The single downside to pricing coverage this way is you don’t know exactly the providers you want to price. If you wish to select from a list of companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use the exact same quote information for each price quote. If you use different coverage information it’s impossible to decipher which rate is best. Just a small difference in insurance coverages or limits may result in a large different in cost. And when quoting car insurance, remember that quoting more helps improve the odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide prices over the internet, so it’s important to also get prices from those companies as well.

Take advantage of every car insurance discount

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but once in a while a discount must be specially asked for in order for you to get them.

  • Defensive Driver Discount – Successfully completing a course in safe driver could cut 5% off your bill depending on where you live.
  • Distant Student Discount – who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Save over 55 – Older drivers could receive lower premium rates for CR-V insurance.
  • Responsible Driver Discount – Safe drivers can get discounts for up to 45% lower rates for CR-V insurance than drivers with accidents.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles with one company qualifies for this discount.
  • Savings for New Vehicles – Buying coverage on a new vehicle can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Organization Discounts – Being in certain professional organizations could trigger savings on car insurance.

As is typical with insurance, most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous.

A few of the larger companies and a selection of discounts are detailed below.

  • State Farm discounts include defensive driving training, driver’s education, multiple policy, good driver, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
  • American Family may include discounts for air bags, good driver, good student, defensive driver, mySafetyValet, and bundled insurance.
  • GEICO may have discounts that include membership and employees, driver training, military active duty, federal employee, multi-vehicle, and emergency military deployment.
  • 21st Century has discounts for air bags, driver training, theft prevention, automatic seat belts, homeowners, early bird, and defensive driver.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, good student, and homeowner.

If you need the cheapest car insurance quotes, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not apply in every state.

Smart buyers know how to quote insurance coverage cheaper

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other criteria are less obvious such as your marital status and annual miles driven.An important part of buying insurance is that you know some of the elements that help determine insurance coverage rates. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower rates.

  • Costs impacted by vehicle usage – The more miles you rack up on your Honda annually the more it will cost to insure it. A lot of insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your CR-V is throwing money out the window. Verify your insurance coverage declarations sheet is showing the correct usage, because improper ratings can cost you money.
  • Filing claims can increase rates – Auto insurance companies provide better rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Liability claims can be big – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Getting married pays dividends – Having a wife or husband may earn you lower rates on your insurance coverage bill. Having a significant other is viewed as being more mature than a single person and insurance companies like that married couples file fewer claims.
  • Lower prices with theft deterrents – Choosing a vehicle with a theft deterrent system can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Accidents mean higher costs – Even a single speeding ticket or other violation can bump up the cost by as much as thirty percent. Good drivers have lower premiums as compared to careless drivers. Drivers who have serious tickets such as reckless driving or DUI may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Credit rating impact insurance coverage rates – Credit score is likely to be a major factor in calculating your insurance coverage rates. People that have good credit tend to be better drivers and file fewer claims than drivers with lower credit ratings. If your credit history is low, you could pay less to insure your 1998 Honda CR-V by improving your rating.

How to know if you need help

When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Am I covered by my spouse’s policy after a separation?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I wreck a rental car?
  • Do I need replacement cost coverage on my 1998 Honda CR-V?
  • What if I owe more than I can insure my car for?
  • Should I put collision coverage on all my vehicles?
  • When does my teenage driver need to be added to my policy?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance policy specifics

Understanding the coverages of car insurance can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, rock chips in glass, hitting a deer and vandalism. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1998 Honda CR-V.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage protection

Collision insurance covers damage to your CR-V resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

Lower-priced insurance coverage is definitely available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and many times these smaller companies sell through independent insurance agencies.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

We covered many tips how you can get a better price on 1998 Honda CR-V insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest priced insurance coverage comes from a small mutual company.

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