Lower Your 2013 Honda CR-V Insurance Quotes

Have you had enough of sacrificing other expenses to keep your car insured? You’re in the same situation as the majority of other people. You have multiple insurers to purchase coverage from, and even though it’s nice to have a selection, more choices can make it harder to compare rates and cut insurance costs.

Discount car insurance quotes

Some insurers do not advertise every policy discount very clearly, so the list below contains both the well known and the more hidden savings tricks you should be using when you buy insurance online. If you’re not getting every credit you deserve, you may be paying too high a price.

Multiple Cars – Drivers who insure several vehicles with one company can get a discount on all vehicles.
Use Seat Belts – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
Discount for Swiching Early – A few companies allow discounts for switching policies prior to your current policy expiration. Ten percent is about the average savings.
Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a small discount on rates on CR-V insurance.
Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction on CR-V insurance but check with your company.
Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on CR-V insurance than less cautious drivers.
Low Miles Discount – Driving less can earn discounted car insurancerates on garaged vehicles.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business.

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

Mercury Insurance may include discounts for age of vehicle, location of vehicle, good student, annual mileage, multi-car, and accident-free.
Farmers Insurance offers premium reductions for good student, mature driver, multi-car, homeowner, and distant student.
Farm Bureau has discounts for good student, multi-policy, youthful driver, safe driver, multi-vehicle, renewal discount, and 55 and retired.
State Farm offers discounts for good student, defensive driving training, driver’s education, Steer Clear safe driver discount, and multiple autos.
Allstate policyholders can earn discounts including defensive driver, premier plus, anti-lock brakes, FullPay discount, 55 and retired, and teenSMART discount.
GEICO may have discounts that include anti-lock brakes, federal employee, seat belt use, membership and employees, daytime running lights, military active duty, and anti-theft.

If you need low cost insurance quotes, ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply in every state. For a list of providers that provide some of the discounts listed above, follow this link.

How to compare insurance coverage quotes

Comparing insurance coverage rates can take time and effort if you don’t utilize the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most car insurance companies enroll in a system that allows shoppers to submit one quote, and each participating company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is that consumers can’t choose the companies to get quotes from. So if you want to choose from a list of companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

The approach you take is up to you, just do your best to enter identical deductibles and coverage limits with every price quote. If you enter mixed coverages you will not be able to determine which company has the best rates.

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Smart consumers know how to buy auto insurance at a discount

Many different elements are considered when you quote your car insurance policy. Some are obvious such as your driving history, but some are more transparent like your vehicle usage or how financially stable you are.The best way to find cheaper auto insurance is to take a look at the different types of things that aid in calculating auto insurance rates. If you have a feel for what determines premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Responsible drivers pay less – Your driving record can have a huge impact on auto insurance premiums. Drivers with clean records receive lower rates compared to drivers with tickets. Having just one driving citation can increase the cost of insurance by as much as twenty percent. Drivers unfortunate enough to have severe violations such as DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
You might want pay the minor auto insurance claims yourself – If you frequently file small claims, you shouldn’t be surprised to get much higher rates or policy non-renewal. Car insurance companies award discounts to policyholders who only file infrequent claims. Your car insurance is meant to be used in the event of more catestrophic claims.
lapses raise rates – Driving with no insurance is illegal and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
Bundle and save – Some insurance companies will award lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. The discount can be ten percent or more. Even if you qualify for this discount already, it’s always a smart idea to shop around to ensure the best deal.
Cheaper prices using GPS tracking and theft deterrents – Buying a car with a theft deterrent system can save you a little every year. Anti-theft features like OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
You might pay higher premiums if you are single – Walking down the aisle may save some money on your policy. Having a spouse translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your insurance needs will benefit from professional help.

Do I have coverage when using my vehicle for my home business?
Are my friends covered when driving my car?
Exactly who is provided coverage by my policy?
Am I covered if hit by an uninsured driver?
Is other people’s property covered if stolen from my vehicle?
Does insurance cover damages from a DUI accident?
Are rental cars covered under my policy?
Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like dental work, rehabilitation expenses, X-ray expenses, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Honda CR-V.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical expenses, repair costs for stationary objects, legal defense fees, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Power to the consumer

A few companies don’t offer online rate quotes and many times these smaller providers only sell coverage through local independent agents. Cost effective 2013 Honda CR-V insurance is possible both online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture.

We just showed you many ways to shop for 2013 Honda CR-V insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from the least-expected company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm and Allstate.

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