Cheap 2017 Honda CR-V Insurance Cost

Looking for better insurance coverage rates for your Honda CR-V? Finding better insurance prices for a Honda CR-V can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare insurance coverage rates and we’ll show you the proper way to get price quotes for a new or used Honda and obtain the best price possible from local insurance agents and online providers.

You need to take a look at other company’s rates as often as possible since rates are rarely the same from one policy term to another. Even if you got the best rate on CR-V insurance six months ago you may be paying too much now. There is a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn the best ways to slash your insurance coverage rates.

If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Pricing cheaper protection is not that difficult. Drivers just need to learn the proper way to shop for insurance coverage over the internet.

Compare quotes for car insurance

Comparing car insurance rates can be a lot of work if you don’t know the easiest way. You could waste a few hours driving to local insurance agents in your area, or you could use online quotes to get prices fast.

Most of the best insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company returns a competitive quote based on that information. This saves time by eliminating form submissions for every car insurance company.

To get comparison pricing now click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. So if you want to select individual companies to compare, we put together a list of car insurance companies in your area. Click to view list.

Whichever way you use, make sure you compare nearly identical quote data for each price quote. If you compare unequal deductibles or liability limits it’s not possible to get a fair rate comparison.

How you can control Honda CR-V insurance rates

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like where you live or how financially stable you are.

  • Liability coverage safeguards assets – Liability insurance kicks in if you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Extra policy coverages that aren’t used – There are quite a few optional add-on coverages you can purchase if you don’t pay attention. Coverages for roadside assistance, towing, and membership fees are probably not needed. These coverages may sound good when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Know your credit score – An insured’s credit score is a big factor in your rate calculation. If your credit history could use some work, you could potentially save money when insuring your 2017 Honda CR-V by spending a little time repairing your credit. People with excellent credit scores tend to be less risk to insure as compared to drivers with lower ratings.
  • How’s your driving record? – Attentive drivers get better prices as compared to careless drivers. Even one ticket can boost insurance rates by as much as twenty percent. Drivers who have flagrant violations such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Verify you’re earning every discount

The cost of insuring your cars can be expensive, but you may be missing some discounts that may help make it more affordable. Some discounts will apply when you get a quote, but some need to be specially asked for before you get the savings.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on a single policy can get a discount for every vehicle.
  • Low Mileage – Low mileage vehicles can earn better premium rates on cars that stay parked.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on CR-V insurance with certain companies.
  • Defensive Driver Discount – Participating in a safe driver class could earn you a small percentage discount if you qualify.
  • Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Memberships – Participating in qualifying clubs or civic groups can get you a small discount on your next insurance statement.
  • Discount for New Cars – Insuring a new car can get you a discount since newer models are generally safer.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Progressive and Allstate allow you one accident without the usual rate increase as long as you don’t have any claims for a certain period of time.

Just know that many deductions do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount should help lower the premium cost.

Larger insurance companies and some of the discounts include:

  • State Farm policyholders can earn discounts including good driver, Steer Clear safe driver discount, passive restraint, anti-theft, accident-free, driver’s education, and multiple autos.
  • Farmers Insurance may have discounts that include teen driver, bundle discounts, youthful driver, distant student, and early shopping.
  • GEICO may offer discounts for multi-policy, multi-vehicle, military active duty, daytime running lights, and five-year accident-free.
  • American Family offers discounts including air bags, mySafetyValet, early bird, Steer into Savings, and accident-free.
  • Nationwide includes discounts for anti-theft, business or organization, good student, easy pay, and Farm Bureau membership.
  • Progressive may include discounts for online signing, multi-vehicle, online quote discount, continuous coverage, homeowner, and good student.

When quoting, ask each company or agent the best way to save money. Discounts may not apply to policies in your area. To locate companies with discount insurance rates, click this link.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my car?
  • Who is covered when they drive my 2017 Honda CR-V?
  • If I drive on a suspended license am I covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?

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. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Coverages available on your car insurance policy

Having a good grasp of car insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, medical expenses, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Honda CR-V.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Collision protection

Collision coverage will pay to fix damage to your CR-V resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, vandalism, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills such as surgery, doctor visits and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and 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

Best coverage at the best price

Cheaper insurance coverage can be bought online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer rates over the internet and many times these small insurance companies prefer to sell through independent agents.

Drivers switch companies for a number of reasons such as high prices, delays in responding to claim requests, poor customer service and even not issuing a premium refund. It doesn’t matter what your reason, finding the right insurance coverage provider can be easier than you think.

In this article, we presented quite a bit of information on how to compare 2017 Honda CR-V insurance rates online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Drivers may discover the best rates are with the least-expected company.

Additional information