2003 Honda CR-V Insurance Quotes

Trying to find cheaper auto insurance rates? Buyers have lots of choices when searching for the lowest priced Honda CR-V insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the best way to quote coverages for your Honda and locate the lowest possible price from both online companies and local agents.

You should make it a habit to get comparison quotes quite often because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for CR-V insurance a couple years back other companies may now be cheaper. Starting now, forget all the misinformation about auto insurance because you’re going to learn one of the best ways to find lower rates on auto insurance.

The purpose of this article is to help educate you on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to understand the best way to get comparison rates on the web.

Vehicle Insurance Comparison

Most companies quote prices for coverage on the web. The process is fairly simple as you simply enter the coverage amounts you desire as detailed in the form. After you submit the form the system obtains credit information and your driving record and returns pricing information based on many factors.

Online price quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it is imperative to get many rate quotes in order to get better auto insurance pricing.

A quicker way to find better auto insurance pricing is to use a quote form that gets prices from a bunch of companies at once. This type of form saves time, reduces the work, and makes rate comparisons a lot less work. After your information is entered, it is quoted and you can select any or none of the price quotes you receive.

If you find a better price it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

To save time and find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you enter the coverage information as close as possible to your current policy. This guarantees you will be getting rate comparison quotes for similar coverage.

These discounts can slash insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you quote, but less common discounts must be inquired about before you will receive the discount. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for CR-V insurance than drivers with accidents.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • No Charge for an Accident – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for CR-V insurance.
  • Memberships – Being a member of certain professional organizations could qualify you for a break on your policy for CR-V insurance.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

It’s important to understand that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask each company which discounts they offer. Discounts might not apply in your state.

Factors that can influence Honda CR-V insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with big savings.

The list below includes some of the factors auto insurance companies consider when setting rates.

  • Where you reside plays a part – Being located in small towns and rural areas has it’s advantages when buying auto insurance. Lower population means fewer accidents. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a quick way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Traffic citations inflate rates – A bad driving record impacts your car insurance rates tremendously. Even one citation may increase your cost forty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to keep their license.
  • Liability coverage is peace of mind – Liability insurance is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • How your age affects price – Young drivers are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Adding a young driver to your policy can be quite pricey. Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Men and women tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.

When might I need the advice of an agent?

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions could help you determine if you would benefit from professional advice.

  • Do I need special endorsements for business use of my vehicle?
  • What are the best liability limits?
  • Should I have a commercial auto policy?
  • I have a DUI can I still get coverage?
  • When can I cancel my policy?
  • What if I don’t agree with a claim settlement offer?
  • Do I need roadside assistance coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage kick in for bills for things like X-ray expenses, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover 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. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage covers damage to your CR-V caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2003 Honda CR-V.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Smart shoppers get results

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, delays in paying claims, policy cancellation and policy non-renewal. Regardless of your reason, choosing a new company is actually quite simple.

We just presented a lot of techniques to lower your 2003 Honda CR-V insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the lowest rates come from the smaller companies.

Affordable insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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