View 2013 Honda CR-V Insurance Quotes

No one in their right mind enjoys paying for car insurance, particularly when they are paying too much.

Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to find the absolute best price available.

You should take the time to get comparison quotes before your policy renews since insurance rates are constantly changing. Even if you got the best rates for CR-V coverage six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so we’re going to give you some tested techniques to quit paying high car insurance rates.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not rocket science. Although consumers must comprehend how companies compete online because it can help you find the best coverage.

Compare Insurance Coverage Today

To find the best insurance coverage prices, there are several ways to compare rate quotes from insurance coverage companies in your area. The simplest method to compare 2013 Honda CR-V insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

  • One of the simplest ways to find low rates is to use a rate comparison form click to view form in new window. This form keeps you from doing boring form submissions for every insurance coverage company. One form submission will get you price quotes from multiple low-cost companies.
  • A slightly less efficient method to compare prices requires a visit to each company’s website to complete a price quote. For examples sake, let’s assume you want to compare rates from USAA, Safeco and Geico. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  • The hardest way of getting rate comparisons is to spend time driving to different agent offices. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the professional advice of a local agent. It is possible to obtain prices from the web and get advice from an agent in your area. We’ll cover that shortly.

Whichever method you choose, double check that you are using identical coverage information on every quote. If you enter different deductibles then you won’t be able to determine the best price for your Honda CR-V. Quoting even small variations in limits can result in a big premium difference. And when comparing insurance coverage rates, know that having more price comparisons gives you a better chance of getting a lower rate.

Do drivers who switch really save?

Companies like State Farm, Geico and Progressive continually stream ads on television and other media. All the ads say the same thing that you can save after switching to their company. How do they all make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer could be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who don’t measure up to these standards will have to pay a higher premium which leads to business not being written. The ads say “people who switch” not “everyone that quotes” save money. That’s why companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict which company will fit your personal profile best.

Why your Honda CR-V insurance rates may be high

It’s important that you understand the rating factors that go into determining insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with lower insurance prices.

  • Discounts for married couples – Being married helps lower the price on insurance. Marriage is viewed as being more responsible it has been statistically shown that married couples file fewer claims.
  • Better credit means lower rates – Your credit score is a huge factor in your rate calculation. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2013 Honda CR-V by improving your rating. People with high credit ratings tend to be more responsible than those with poor credit.
  • Do you have a high stress job? – Occupations like lawyers, business owners and financial analysts are shown to have higher average rates attributed to stressful work requirements and long work days. Conversely, professions such as scientists, engineers and retirees pay the least for CR-V coverage.
  • Liability insurance protects assets – Your policy’s liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • A lapse in coverage is a bad thing – Driving without insurance is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • A clean driving record saves money – Your driving citation history has a big impact on rates. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single ticket can boost insurance rates forty percent or more. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • High numbers of claims are not good – Car insurance companies award better rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but a few must be specifically requested before you will receive the discount.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Student in College – Children living away from home attending college and don’t have a car may qualify for this discount.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous. But all discounts will help reduce your premiums.

Insurance companies who might offer these benefits include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your area.

When should I talk to an agent?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I make deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • What exactly is covered by my policy?
  • Is business equipment covered while in my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage information

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass, vandalism and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda CR-V.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, driving through your garage door, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, legal defense fees and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like dental work, surgery, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

More quotes mean more savings

We just covered many ideas to save on 2013 Honda CR-V insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Lower-priced insurance can be found on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

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