View 2003 Honda CR-V Insurance Quotes

Want better insurance rates for your Honda CR-V? Trying to find better insurance prices for a Honda CR-V can turn out to be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to compare insurance rates and you need to know the proper way to get price quotes on a Honda and obtain the lowest price from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Buying affordable protection can be fairly easy. Drivers only need an understanding of the most efficient way to shop their coverage around on the web.

Insurance costs are influenced by these factors

Consumers need to have an understanding of the different types of things that come into play when calculating the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may reward you with big savings.

  • Car insurance rates and your employer – Occupations such as fire fighters, executives and stock brokers generally pay the highest rates attributed to intense work-related stress and lengthy work days. Conversely, jobs such as actors, students and homemakers pay the least on CR-V insurance.
  • Deter vehicle theft – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
  • Car plus home equals more savings – Some insurance companies provide a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. It’s possible to still find better rates by insuring with multiple companies.
  • Gaps in coverage mean higher prices – Not maintaining insurance can get you a ticket and companies may charge more for letting your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines and jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • You might pay more if you are single – Having a significant other helps lower the price on your car insurance policy. Having a spouse demonstrates that you tend to be more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Small coverages can add up – There are a ton of additional extra coverages that can waste your money if you don’t pay attention. Insurance for rental car coverage, towing coverage, and extra life insurance coverage are some examples. They may sound like good ideas when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

Verify you’re receiving every discount

Auto insurance companies don’t always advertise every possible discount in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

  • Good Student Discount – Being a good student can save 20 to 25%. Most companies allow this discount up to age 25.
  • Distant Student – Kids who attend college more than 100 miles from home and leave their car at home could qualify for this discount.
  • Homeowners Savings – Just owning your own home may earn you a small savings since home ownership requires a higher level of personal finance.
  • More Vehicles More Savings – Buying insurance for multiple cars with the same insurance company can reduce rates for all insured vehicles.
  • Military Rewards – Having a family member in the military could be rewarded with lower rates.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Data Collection Discounts – Drivers that enable data collection to monitor driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

If you would like to choose from a list of companies who offer discounts, click here to view.

Brand name doesn’t guarantee savings

Consumers can’t avoid all the ads that claim the lowest prices by companies like State Farm and Allstate. They all seem to have a common claim that drivers can save some big amount if you switch your coverage.

How is it possible that every company can charge lower premium rates? Just pay attention to how they say it.

Different companies give the best rates for the type of driver that will not have excessive claims. One example of a profitable customer might be described as a married female, has a low-risk occupation, and has a short commute. Any customer who fits that profile may get the lowest premium rates and will save money with a new company.

Insureds who are not a match for the “perfect” profile must pay a more expensive rate and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can truthfully state the savings.

Because of the profiling, you really need to do a rate comparison at every renewal. It is impossible to predict which insurance companies will fit you best based on your risk profile.

When should I discuss my situation with an agent?

When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might point out whether your personal situation would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Can I afford low physical damage deductibles?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Does my insurance cover my expensive audio equipment?
  • Do I pay less for low miles?
  • What should my uninsured motorist coverage limits be in my state?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

This pays for damage to your CR-V from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, rolling your car, damaging your car on a curb, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as surgery, hospital visits and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability auto insurance

This provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like loss of income, funeral expenses, structural damage, bail bonds and medical expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hail damage, hitting a deer, hitting a bird and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2003 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. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Be a Smart Shopper

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and discovered at claim time that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

Consumers leave their current company for many reasons like denial of a claim, being labeled a high risk driver, poor customer service and even policy cancellation. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

Budget-conscious 2003 Honda CR-V insurance can be bought on the web and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies don’t offer online rate quotes and these regional insurance providers provide coverage only through independent insurance agents.

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