View 2006 Honda CR-V Insurance Quotes

Trying to find lower insurance rates for your Honda CR-V? Did a good deal turn into an expensive insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

Buy insurance online

When shopping for insurance there are multiple ways of comparing rate quotes from local insurance companies. The recommended way to find competitive Honda CR-V insurance rates consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form keeps you from doing multiple quote forms for each company. A single, simple form gets insurance cost estimates from multiple low-cost companies.

A more time consuming way to find more affordable insurance consists of going to each company website and complete a new quote form. For example, we’ll assume you want to compare rates from Farmers, Progressive and Liberty Mutual. To get rate quotes you would need to visit each site and enter your policy data, which can take a lot of time.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the same quote information for each quote you get. If you use higher or lower deductibles it will be impossible to make an equal comparison. Even a minor difference in limits can result in a big premium difference. Keep in mind that more quotes increases your odds of finding more affordable insurance. Some regional insurers cannot provide quotes online, so it’s important to compare rates from them as well.

Can switching companies really save?

Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies seem to make the promise about savings just by switching your car insurance coverage to their company. It sounds good, but how can they all have lower policy pricing? Just pay attention to how they say it.

Insurance providers give the cheapest rates for the type of driver that earns them a profit. A good example of a profitable insured should be between 30 and 50, carries high limits, and drives a car with an anti-theft system. Any new insured that fits those parameters gets the lowest prices and is almost guaranteed to cut their rates if they switch.

Consumers who are not a match for these standards will have to pay higher premiums and ends up with business not being written. Company advertisements say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can state the savings. Because every company is different, drivers should compare free insurance quotes often. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Lower rates by qualifying for discounts

Companies don’t necessarily list all disounts very well, so below is a list a few of the more common as well as some of the hidden credits available to bring down your rates.

  • Drivers Education – Have your child complete a driver education course in high school.
  • Defensive Driver – Completing a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Homeowners Discount – Simply owning a home can earn you a little savings because owning a home requires personal responsibility.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
  • Bundled Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you will save up to 20% off your total premium.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will help reduce your policy premium.

If you would like to choose from a list of companies with the best insurance coverage discounts, follow this link.

Insurance coverage is unique, just like you

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Who is covered when they drive my 2006 Honda CR-V?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • How much liability insurance is required?
  • Am I covered when pulling a rental trailer?
  • What is the rate difference between pleasure use and commuting?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a Honda CR-V

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, X-ray expenses, EMT expenses and surgery. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability car insurance – Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like medical expenses, attorney fees, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision – This pays for damage to your CR-V caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from a tornado or hurricane, rock chips in glass, a broken windshield and hitting a deer. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Money doesn’t grow on trees

We just covered a lot of tips how to reduce 2006 Honda CR-V insurance car insurance rates online. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest car insurance rates come from a small mutual company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some insurance companies may not provide internet price quotes and most of the time these small insurance companies provide coverage only through independent insurance agencies. Cheaper insurance coverage is definitely available on the web and from local agencies, and you need to price shop both to have the best selection.

When getting insurance quotes online, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.

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