Cheap 2021 Honda CR-V Car Insurance Quotes in 2024

Consumers have options when looking for the best price on Honda CR-V insurance. They can either spend hours driving around to compare prices or leverage the internet to compare rates.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to quote coverages on a Honda and get the lowest price from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums and still get good coverage. This information will introduce you to how car insurance quotes work and some tips to save money. Vehicle owners just need to learn the most effective way to get comparison rates on the web.

Compare insurance rates

All the larger insurance companies such as Allstate, GEICO and Progressive allow you to get coverage prices from their websites. Getting prices online is very simple as all you need to do is type in your personal and coverage information on the page. When the form is submitted, their rating system will obtain your credit score and driving record and returns a price quote based on these factors.

This makes comparing rates easy, but the work required to visit different websites and type in the same information is a waste of time. But it’s also necessary to do this in order to get a lower rate.

The easiest way to find cheaper rates uses one simple form to return rates from several different companies. The form is fast, reduces the work, and makes online shopping a little more enjoyable. After sending the form, it is quoted and you are able to buy any or none of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To use this form to compare rates, simply enter your zip code here and submit your coverage information. To compare your current rates, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This way, you will receive a price comparison for exact coverage.

Truth in insurance advertising

Drivers constantly see and hear ads that claim the lowest car insurance rates from the likes of Allstate, GEICO and Progressive. They all have a common claim that people will save after switching your coverage to them.

How can each company cost less than your current company?

Insurance providers can use profiling for the type of driver that will be a good risk. For example, this type of insured might be described as a mature driver, has had continuous coverage, and has a high credit rating. Anybody that meets those criteria will qualify for the lowest rates and will save if they switch.

Insureds who cannot meet the requirements will have to pay more expensive rates and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently state the savings.

Different companies use different criteria so you really should do a price quote comparison at every renewal. It’s impossible to know the company that will have the best premium rates for your profile.

Cheaper insurance quotes with discounts

Companies offering auto insurance don’t always advertise every discount they offer very well, so we break down some of the best known and the more hidden savings tricks you should be using when you buy insurance coverage online.

• Professional Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your bill.
• Discounts for New Vehicles – Insuring a new car can save you some money since newer vehicles have better safety ratings.
• Driving Data Discount – Insureds who allow companies to track driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
• First Accident Forgiveness – but companies like Progressive and Allstate will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• E-sign Discounts – A few companies will give a small break for signing up on your computer.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Senior Citizen Discount – Mature drivers can possibly qualify for a small decrease in premiums on CR-V coverage.
• College Student – Any of your kids who live away from home at college and do not have a car can be insured at a reduced rate.
• Service Members Pay Less – Being deployed with a military unit could mean lower premium rates.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance companies and a partial list of their discounts are shown below.

• State Farm may have discounts that include multiple policy, good driver, anti-theft, accident-free, student away at school, multiple autos, and driver’s education.
• GEICO includes discounts for seat belt use, membership and employees, anti-theft, emergency military deployment, air bags, daytime running lights, and driver training.
• Liberty Mutual offers discounts including safety features, multi-policy, newly married, newly retired, new move discount, and exclusive group savings.
• The Hartford policyholders can earn discounts including good student, bundle, vehicle fuel type, driver training, and defensive driver.
• MetLife may include discounts for accident-free, good driver, multi-policy, claim-free, good student, defensive driver
• Progressive has discounts for good student, continuous coverage, multi-policy, online signing, and homeowner.

Before purchasing a policy, check with each company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. To see insurance companies that have a full spectrum of discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.

• Am I covered when driving in Canada or Mexico?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I drive in a foreign country?
• What if I total my 2021 Honda CR-V and owe more than it’s worth?
• When should I not file a claim?
• Should I buy full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, free and you can get the answers you need.

The coverage is in the details

Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

This coverage pays for damage to your CR-V caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, driving through your garage door, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability

This provides protection from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like loss of income, medical expenses, medical services, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Honda CR-V.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills such as nursing services, rehabilitation expenses, hospital visits, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In conclusion

When you buy insurance coverage online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Drivers leave their current company for a variety of reasons including unfair underwriting practices, questionable increases in premium, policy cancellation and an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

There are still a few companies who may not have rates over the internet and usually these small, regional companies only sell through local independent agents. Lower-priced auto insurance is definitely available both online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.