1997 Honda CR-V Insurance Rates

Want cheaper auto insurance rates for your Honda CR-V? Nobody I know likes having to buy auto insurance, in particular when their premiums are too high. With so many options when it comes to auto insurance, it’s difficult to choose the lowest cost company.

This article will introduce you to the best way to quote coverages and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Drivers just need to learn how to shop their coverage around over the internet.

Factors that might impact rates for a Honda CR-V

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Shown below are some of the items used by your company to calculate prices.

  • Where you live – Choosing to live in a rural area has it’s advantages when talking about auto insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Rates may be lower depending on your job – Jobs such as real estate brokers, social workers and accountants are shown to have higher rates than average due to job stress and long work hours. On the flip side, occupations such as scientists, athletes and the unemployed pay the least for CR-V insurance.
  • More miles equals more premium – The more miles you rack up on your Honda in a year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage receive lower rates than those used for commuting. An improperly rated CR-V may be costing you. Make sure your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Add-on coverages can add up – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • No coverage gaps is important – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.

Insurance Comparison Rates

All the larger insurance companies such as 21st Century, Allstate and State Farm provide prices online. The process is quite simple as you simply enter your coverage preferences into the quote form. Upon sending the form, their system requests your credit score and driving record and generates pricing information based on many factors. Online quotes makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to find lower prices.

The easiest way to get multiple rate quotes uses one simple form that gets prices from multiple companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much simpler. Immediately after submitting the form, it gets priced and you can select any one of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To compare pricing, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This helps ensure you are getting rate quotes using the exact same coverages.

Save with discounts on Honda CR-V insurance

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing digitally online.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Homeowners Discount – Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. But all discounts will cut your overall premium however.

Companies who might offer these money-saving discounts are:

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

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have any recourse if my insurance company denies a claim?
  • Does liability extend to a camper or trailer?
  • Where can I find high-risk insurance?
  • How does medical payments coverage work?
  • I have a DUI can I still get coverage?
  • Does my 1997 Honda CR-V qualify for pleasure use?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Car insurance policy specifics

Knowing the specifics of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda CR-V.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, X-ray expenses, surgery, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, rock chips in glass and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, driving through your garage door, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Be a smart shopper

When you buy insurance online, do not reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cost effective 1997 Honda CR-V insurance is possible online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Much more information about insurance is located at the links below