Cheapest 2002 Honda CR-V Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2022

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Sick and tired of scraping the payments together to buy 2002 Honda CR-V Car Insurance? You are no different from millions of other consumers.

Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it makes it harder to find a good deal.

Consumers need to price shop coverage yearly since rates are usually higher with each renewal. Even if you think you had the best vale for 2002 CR-V insurance a couple of years back, other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.

Where can I get cheap 2002 Honda CR-V car insurance?

To find the best insurance prices, there are several ways of comparing rate quotes and finding the best price. By far, the easiest way to find competitive 2002 Honda CR-V insurance prices is to use the internet to compare rates. This can be accomplished in several ways.

  • One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form.  This type of form keeps you from doing multiple quote forms for each company. In just a few minutes, this one form will get you rate comparisons instantly.
  • A more difficult way to compare rate quotes consists of visiting the website of each company and filling out their own quote form. For example, let’s say you want rates from Allstate, State Farm and Farmers. To get rate quotes, you would need to go to every website to enter your coverage information, which is why the first method is quicker.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles on every quote you get. If you enter different limits and deductibles on each one it’s not possible to determine the lowest rate for your Honda CR-V. Slightly different coverage could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding a better price.

Do you qualify for a 2002 Honda CR-V Car Insurance discount?

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be asked for before you get the savings.

  • Organization Discounts – Being a member of certain professional organizations may earn a discount when buying insurance coverage for CR-V insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Employees of the Federal Government – Employees or retirees of the government can earn a discount of up to 10% for CR-V insurance depending on your company.
  • Payment Method – If you pay your policy premium upfront instead of monthly or quarterly installments, you could save up to 5%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Multi-policy Discount – If you have multiple policies with the same insurance company, you may save up to 20% off your total premium.

As a disclaimer on discounts, most discounts do not apply to the whole policy. Most cut the cost of specific coverage such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium, however.

Companies that may have these benefits are:

  • Esurance
  • Hartford
  • AAA
  • State Farm

Double check with each company to see how you can save money. Some discounts might not apply everywhere.

Honda CR-V rates influenced by many factors

It’s important that you understand the rating factors that go into determining your insurance rates. When you know what positively or negatively influences your rates, it helps enable you to make changes that can help you get much lower annual insurance costs.

  • Credit scores impact insurance rates – A driver’s credit score is an important factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 2002 Honda CR-V by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can protect your car from being stolen.
  • Lower deductibles cost more – Your deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The higher the amount you have to pay, the less your company will charge you for insurance for CR-V insurance.
  • Never allow your policy to lapse – Driving with no insurance is against the law, and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as judges, social workers and accountants are shown to have higher rates than average because of high stress and long work hours. On the flip side, jobs such as farmers, athletes and performers pay the least for CR-V insurance.
  • Do you need this extra coverage – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and membership fees may be a waste of money. They may seem like a good idea initially, but your needs may have changed, so eliminate them to save money.
  • Pleasure use or commuting – The higher the mileage driven in a year, the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Having the wrong rating on your CR-V can cost quite a bit. Double check that your insurance declaration sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

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What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different, and your policy should reflect that. For example, these questions can aid in determining whether you would benefit from professional advice.

  • How can I get my company to pay me more for my totaled car?
  • Is the extra glass coverage worth it?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I wreck a rental car?
  • Am I getting all the discounts available?
  • Do I need more liability coverage?
  • Should I have a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Does my car insurance cover rental cars?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions, but you think they might apply to your situation, you may need to chat with a licensed agent

Can switching companies really save?

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the ads make the same claim of big savings if you switch to their company. How does each company make the same claim?

Insurance companies are able to cherry-pick the type of driver that is profitable for them. An example of a driver they prefer, who could possibly be over the age of 50, is a homeowner, who drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get the preferred rates and, as a result, will probably cut their rates substantially.

Drivers who don’t meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.

That is why you should get quotes from several companies. It’s impossible to know the company that will give you the biggest savings on Honda CR-V insurance.

Insurance policy coverage for a 2002 Honda CR-V

Having a good grasp of insurance helps when choosing the best coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pothole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, hospital visits, X-ray expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover you if you are hit  while walking down the street. Personal Injury Protection is not available in all states, but it provides additional coverages not offered by medical payment’s coverage.


This can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50, which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally, you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, legal defense fees, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda CR-V.

Since many drivers have only the minimum liability required by law, it only takes a small accident to increase their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist’s coverages are similar to your liability insurance amounts.

Comprehensive protection

This coverage pays to prevent your vehicle from 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 insurance covers claims like damage from getting keyed, fire damage and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

2002 Honda CR-V Car Insurance: The Bottom Line

Budget-conscious 2002 Honda CR-V insurance is available from both online companies and from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

While your price shopping online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret that a couple of dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

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