2012 Honda CR-V Insurance Quotes

Looking for lower auto insurance rates? Shoppers have many options when shopping for the lowest priced Honda CR-V insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to find the lowest rates.

There are more efficient ways to find auto insurance online and we’ll show you the best way to compare rates for your Honda and obtain the cheapest rates from both online companies and local agents.

It’s a good habit to compare prices quite often because insurance rates tend to go up over time. Even if you think you had the best deal for CR-V insurance a couple years back the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance on the internet, so we’re going to give you some solid techniques on how to buy auto insurance cheaper.

If you have insurance now or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. The purpose of this post is to help you learn the best way to quote coverages and some tricks to saving. Vehicle owners only need an understanding of the best way to get comparison rates over the internet.

Insurance Coverage Comparisons

There are a variety of methods you can shop for 2012 Honda CR-V insurance coverage but one way is more efficient than others. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Many of the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and each participating company provides a quote. This saves time by eliminating quote forms for each company you want a rate for.

To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of system is that consumers can’t choose the providers to receive prices from. If you would rather choose specific insurance companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles with each company. If you have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Don’t miss these discounts

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specially asked for before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application online.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance for CR-V insurance.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.

Drivers should understand that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

To see a list of insurers with discount auto insurance rates, click here to view.

When might I need help?

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • When should I not file a claim?
  • How many claims can I have before being cancelled?
  • Why does it cost so much to insure a teen driver?
  • Do I need motorclub coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving a rental car?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance specifics

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

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, falling objects, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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

Collision insurance covers claims such as sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda CR-V.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Coverage for liability – Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t 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. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, emergency aid, loss of income and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, hospital visits and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers 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