2006 Honda CR-V Insurance Quotes

Searching for cheaper auto insurance rates for your Honda CR-V? People who are new to buying insurance online may find finding affordable auto insurance nearly impossible.

It is always a good idea to take a look at other company’s rates before your policy renews because prices are variable and change quite frequently. Even if you got the best price on CR-V insurance a year ago you can probably find a better price now. There is too much inaccurate information about auto insurance on the web, but I’m going to show you some solid techniques on how to find affordable auto insurance.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. Locating more affordable coverage is simple if you know the tricks. Although consumers can benefit by having an understanding of the way insurance companies sell online and apply this information to your search.

What determines your Honda CR-V insurance premium

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • Little extras can really add up – There are a lot of extra bells and whistles that you can get tricked into buying when buying insurance coverage. Insurance for rental car reimbursement, accidental death and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Honda CR-V earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Do you work long hours in a high stress job? – Jobs such as doctors, architects and accountants are shown to have higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, occupations like pilots, athletes and the unemployed pay the least on CR-V insurance.
  • Where you live is a factor – Living in less populated areas can be a good thing when it comes to insurance coverage. Drivers who live in large cities have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Discounts for multiple policies – Some companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to shop around to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you when you are found liable for damages from an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.

Vehicle Insurance Comparison

Effectively comparing insurance coverage prices can be a lot of work if you aren’t aware of the most efficient way. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quoting to maximize your effort.

Many companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To compare 2006 Honda CR-V rates using this form now click here to start a free quote.

One minor caviat to pricing coverage this way is you cannot specify the insurers to receive prices from. If you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, make darn sure you compare identical coverage limits and deductibles for every quote you compare. If you enter unequal deductibles or liability limits you can’t possibly find the best deal for your Honda CR-V. Just a small difference in limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting a better price.

Is there truth in advertising?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim about savings after switching your policy. How does each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a driver they prefer might be over the age of 50, owns a home, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.

Drivers who do not match the “perfect” profile must pay a higher premium which leads to business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can state the savings. This illustrates why it’s extremely important to compare many company’s rates. It is impossible to predict which insurance companies will provide you with the cheapest Honda CR-V insurance rates.

Don’t overlook these discounts

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Resident Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on CR-V insurance with certain companies.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Companies that may offer some of the above discounts are:

Before buying, ask every prospective company which discounts they offer. Some discounts might not be offered in every state.

Is my situation unique?

When buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Does my insurance cover a custom paint job?
  • Do I have coverage when using my vehicle for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I carry comprehensive and collision coverage?
  • When should I remove comp and collision on my 2006 Honda CR-V?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, emergency aid and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda CR-V.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

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

Collision coverage pays for things such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, chiropractic care, EMT expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Have the Midas touch

Insureds leave their current company for any number of reasons including being labeled a high risk driver, high prices, lack of trust in their agent or even questionable increases in premium. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many instances, an insured dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price.

Cheap 2006 Honda CR-V insurance can be bought both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

Additional information is available at the links below