2009 Honda CR-V Insurance Cost

Looking for the cheapest auto insurance rates for your Honda CR-V? Finding the cheapest insurance for your Honda CR-V can be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are both good and bad ways to buy auto insurance and we’ll show you the proper way to price shop coverage for your Honda and find the lowest price either online or from local insurance agents.

It’s important to compare prices occasionally due to the fact that insurance rates go up and down regularly. Even if you got the best price on CR-V insurance last year a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the best methods to get good coverage at a lower rate.

Buying the best coverage is not that difficult. If you have a policy now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Drivers only need to know the best way to compare price quotes online.

Your Honda CR-V insurance rate is a complex equation

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance. Knowing what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • Protect your assets with liability insurance – Liability insurance will protect you if you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Better credit means lower rates – Having a bad credit rating is a big factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2009 Honda CR-V by repairing your credit.
  • Being married is a good thing – Being married can get you a discount on your policy. Marriage means you’re more mature and statistics show married couples file fewer claims.
  • More than one policy can earn a discount – The majority of companies will award you with lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal.
  • Too many insurance claims drive up costs – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies provide lower rates to insureds who are claim-free. Insurance coverage is intended for the large, substantial claims.

Discounts to lower 2009 Honda CR-V insurance rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you quote, but less common discounts must be specifically requested in order for you to get them. If you don’t get every credit possible, you’re just leaving money on the table.

  • Government Employees – Simply working for the federal government may qualify you for a discount on CR-V insurance with certain companies.
  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for auto insurance on CR-V insurance.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will reduce your overall premium however.

Car insurance companies that may have these discounts are:

Check with each insurance company which discounts they offer. Savings might not be offered in every state.

Do insurance coverage companies bend the truth?

Consumers get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and Geico. They all have a common claim that you’ll save big if you move your coverage to them.

But how can every company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer could be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Drivers who are not a match for these standards must pay more money and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can state the savings.

This illustrates why you absolutely need to get quotes from several different companies. It is impossible to predict which insurance companies will provide you with the cheapest Honda CR-V insurance rates.

Tailor your coverage to you

When buying coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • How can I find cheaper teen driver insurance?
  • Is my custom paint covered by insurance?
  • How can I get my company to pay me more for my totalled car?
  • Can I drive in Mexico and have coverage?
  • How can I force my company to pay a claim?
  • I don’t drive much so do I pay less?
  • What if I total my 2009 Honda CR-V and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills like surgery, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your CR-V caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2009 Honda CR-V.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.

Liability car insurance

This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, medical services, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Don’t throw your cash in the trash

We just showed you some good ideas how you can save on 2009 Honda CR-V insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the lowest premiums are with some of the smallest insurance companies.

Drivers switch companies for a number of reasons such as high prices, policy non-renewal, poor customer service or even not issuing a premium refund. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

Lower-priced insurance can be bought both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

More detailed auto insurance information can be read in these articles: