Compare 2008 Honda CR-V Insurance Quotes

Wish you could get out of an underperforming, overpriced insurance policy? You’re preaching to the choir because there are many people just like you.

Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest price

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not rocket science. Although consumers must learn how insurance companies compete online.

Insurance coverage discounts are available to cut your rates

Companies don’t always advertise all possible discounts very clearly, so the following list contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online. If you aren’t receiving every discount you deserve, you could be saving more on your insurance coverage.

• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
• No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared with drivers who are more careless.
• Paperless Signup – Some insurance coverage companies give back up to $50 for signing up online.
• Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more for CR-V insurance than their less cautious counterparts.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
• Multi-line Discount – Select companies reward you with a lower rate if you buy some life insurance too.
• Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on a single policy can get a discount for every vehicle.
• Own a Home and Save – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

We need to note that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way.

To see a list of insurance companies that offer many of these discounts, click here.

Low cost insurance coverage prices

Performing a rate comparison can take hours if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most car insurance companies participate in a marketplace where prospective buyers send in one quote, and at least one company can give them a price for coverage. This eliminates the need for form submissions for every insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to doing it this way is you don’t know exactly the insurers you want pricing from. If you prefer to choose from a list of companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep apples-to-apples information for every quote you compare. If you enter mixed coverages then you won’t be able to make a fair rate comparison. Having just a slight variation in insurance coverages could throw off the whole comparison. And when comparing insurance coverage rates, know that more quotes will improve the odds of getting better pricing.

Smart consumers save more

Multiple criteria are used in the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, although others are less obvious like your continuous coverage and annual miles driven.A large part of saving on insurance coverage is knowing a few of the rating criteria that are used to determine your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower premium levels.

• Drive lots and pay more – Driving a lot of miles every year the more you’ll pay to insure it. Many insurance companies calculate rates based upon how you use the vehicle. Cars and trucks that have low annual miles cost less to insure than those used for commuting. Having the wrong rating on your CR-V may be wasting your money. Make sure your declarations sheet reflects the correct usage for each vehicle, because improper ratings can cost you money.
• A insurance coverage policy lapse can increase rates – Letting your insurance expire is a quick way to increase your insurance coverage rates. In addition to paying higher rates, not being able to provide proof of insurance may result in fines or a revoked license.
• Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Highly rated vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims which can mean better rates for you.
• Don’t buy add-on coverages that may not be needed – There are a lot of extra coverages that can add up when buying insurance coverage. Things like replacement cost coverage, towing, and extra equipment coverage are probably not needed. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
• High coverage deductibles reduce rates – Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. Physical damage coverage, aka comp and collision, protects your car from damage. Some examples of covered claims are collision with another vehicle, animal collisions, and damage from wind. The more expense you choose to pay out-of-pocket, the lower your rates will be for CR-V insurance.

Everyone needs different insurance coverage coverages

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

• What exactly is covered by my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I rent a car in Mexico?
• Does liability extend to a camper or trailer?
• Do I need motorclub coverage?
• Is my teen driver covered when they drive my company car?
• Do I need medical payments coverage since I have good health insurance?
• Is a blown tire covered by insurance?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Do drivers who switch really save?

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make the same claim about how much you will save if you move your policy. How does every insurance coverage company give you a better price? It’s all in how they say it.

Insurance companies can use profiling for the type of driver that will add to their bottom line. An example of this type of driver could be between 30 and 50, is a homeowner, and drives a lower-performance vehicle. A driver that fits those parameters will get low rates and will also save a lot if they switch.

Potential insureds who don’t measure up to this stringent profile must pay higher premium rates and ends up with business not being written. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can make claims that they all have the best prices. This really illustrates why you really should compare quotes as often as possible. It’s just too difficult to predict the company that will have the best premium rates at this point in time.

Auto insurance coverage options for a Honda CR-V

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Auto collision coverage

This coverage pays for damage to your CR-V resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, crashing into a building, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, prosthetic devices, doctor visits, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like 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 consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

In the end, you save

In this article, we presented a lot of ways to save on 2008 Honda CR-V insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap car insurance. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

As you quote car insurance, do not reduce needed coverages to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

More detailed car insurance information is located by following these links:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)