Cheap 2010 Honda CR-V Insurance Quotes

Trying to find the cheapest car insurance rates for your Honda CR-V? Are you at wits end from sacrificing to make your car insurance payment? You are no different than many other drivers. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate

The cheapest insurance

Most larger insurance companies allow consumers to get coverage prices online. This process is fairly simple as you just enter your coverage preferences as requested by the quote form. Upon sending the form, their system will order your credit score and driving record and provides a quote based on the information you submitted. Quoting online makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in your information can be a bit repetitive. But it’s necessary to compare as many rates as possible if you are searching for a lower rate.

A better way to locate the lowest prices uses one form that analyzes rates from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online price comparison much simpler. After sending the form, it is rated with multiple companies and you can pick your choice of the quote results.

If you find a better price you can click and sign and buy the policy. This process only takes a few minutes and you’ll know if lower rates are available.

To quickly find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the insurance coverages as shown on your current policy. This helps ensure you’re receiving rate quotes for similar insurance coverage.

Can you really save $425 a year?

Consumers can’t ignore all the ads that promise big savings by State Farm, Allstate and GEICO. They all seem to advertise claims that you can save just by switching your auto insurance policy to them.

Is it even possible that every company can give you a lower rate? This is the trick they use.

Insurance companies have underwriting criteria for the type of driver they prefer to insure. A good example of a desirable risk might be described as a married female, has a clean driving record, and drives less than 10,000 miles a year. Any person that matches those criteria may get the lowest car insurance rates and most likely will save if they switch.

Insureds who may not quite match the ideal profile may receive higher premium rates and this can result in the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully make the claims of big savings.

This really emphasizes why it’s extremely important to do a price quote comparison at every renewal. It’s just too difficult to predict the company that will have the lowest rates for your situation.

Take advantage of every car insurance discount

Car insurance is not an enjoyable expense, but you may qualify for discounts to help bring down the price. Some discounts will apply at quote time, but a few must be manually applied in order for you to get them.

  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks get insurance on the internet.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings of more than 20%.
  • Home Ownership Discount – Owning a home can get you a discount because of the fact that having a home is proof of financial responsibility.
  • Discounts for New Vehicles – Buying car insurance coverage on a new vehicle may earn a small discount compared to insuring an older model.
  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks off the medical payments premium.

It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will help lower your overall bill.

A few companies who might offer these money-saving discounts include:

When getting free insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. Some credits might not be available to policyholders in your area. To see a list of insurance companies that have a full spectrum of discounts, click here.

How to know if you need help

When choosing the best auto insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my 2010 Honda CR-V covered for smoke damage?
  • Are rental cars covered under my policy?
  • What vehicles should carry emergency assistance coverage?
  • I have a DUI can I still get coverage?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix 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 protects against things like damage from a tornado or hurricane, a broken windshield and rock chips in glass. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like nursing services, pain medications, surgery and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This will pay to fix damage to your CR-V resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda CR-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Liability auto insurance

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

More quotes. Lower rates.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The aim is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Discount 2010 Honda CR-V insurance can be sourced on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and these small, regional companies work with local independent agents.

More articles