Lower Your 1999 Honda CR-V Car Insurance Cost

Trying to find lower insurance coverage rates for your Honda CR-V? Do you get overwhelmed by the number of insurance coverage companies in your area? Vehicle owners have such a vast assortment of companies available that it can easily become a chore to find the perfect company for you.

First Step: Get free car insurance quotes

The majority of larger companies such as State Farm, Allstate and GEICO make it easy to get coverage prices from their websites. Getting online rates is easy for anyone as all you need to do is type in your coverage information into a form. After you submit the form the quote system orders information on your driving record and credit history and generates pricing information based on many factors.

Quoting online streamlines rate comparisons, but having to visit different websites and type in the same information is a waste of time. But it is imperative to perform this step if you want to get the lowest car insurance rates.

The easy way to compare rates

A less time-consuming method to locate the lowest prices utilizes a single form to get prices from more than one company. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more efficient. After sending the form, your coverage is rated and you can choose any of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and find out what other companies charge, click here and complete the simple form. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. Doing this assures you’re receiving a fair comparison based on similar coverages.

Components of your Honda CR-V insurance prices

It’s important that you understand some of the elements that go into determining your premiums. When consumers understand what determines base rates, this allows you to make educated decisions that can earn you big savings. Many different elements are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, but some are less apparent such as your marital status or your commute time.

  • Safer vehicles that cut rates – Selecting a car model with an alarm system can save you some money. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
  • Male premiums may be higher – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better drivers. Men and women are responsible for fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI. Teenage male drivers have the highest risk to insure and are penalized with high insurance coverage rates.
  • Minor frequent insurance coverage claims are not good – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies provide the best rates to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Having a spouse reduces risk – Being married can get you a discount on your policy. Having a spouse usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Most larger insurance companies apply a discount to people that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, consumers should still compare other insurance prices to help guarantee you have the best rates.
  • Vehicles with better crash test results save money – Safer cars cost less to insure. Safer cars have better occupant injury protection and reduced instances of injuries means less money paid by your insurance company and lower rates for you.
  • Lower miles driven equals lower premium – The more miles you rack up on your Honda in a year’s time the more it will cost to insure it. A lot of companies apply a rate partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Incorrect rating for your CR-V may be wasting your money. Verify your declarations sheet properly reflects the correct driver usage.

Lower-cost car insurance rates with discounts

Car insurance is not an enjoyable expense, but there could be significant discounts to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but a few must be asked about prior to getting the savings.

  • Drivers Education – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts in comparison with frequent claim filers.
  • Low Mileage Discounts – Low annual miles may allow you to get lower prices on the low mileage vehicles.
  • Paper-free Discount – Many companies may give you up to $50 for completing your application online.
  • Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you aren’t that lucky. But all discounts will reduce the cost of coverage.

To locate car insurance companies that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Can I get a multi-policy discount?
  • Do I have any recourse if my insurance company denies a claim?
  • How much underlying liability do I need for an umbrella policy?
  • What is UM/UIM insurance?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance specifics

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for things like pain medications, doctor visits, prosthetic devices, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This pays for damage to your CR-V caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1999 Honda CR-V.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Liability – This coverage provides protection from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, attorney fees, court costs, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In the end, you save

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, policy cancellation, denial of a claim and poor customer service. Regardless of your reason, choosing a new company is easier than you think.

Cheaper insurance coverage can be found from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and these smaller companies work with independent agencies.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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