2018 Honda CR-V Car Insurance Rates – 6 Tricks for Cheaper Quotes

Trying to find low cost insurance coverage is always frustrating for drivers new to online rate comparisons. Drivers have so many options available that it can easily become a big hassle to compare coverage rates.

Consumers should take time to do rate comparisons as often as possible because prices are variable and change quite frequently. If you had the best rates for CR-V insurance a year ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because it’s time to teach you the tricks you need to know to save on insurance coverage.

If you have car insurance now, you should be able to cut costs considerably using this strategy. Buying the cheapest protection is simple if you know the tricks. But vehicle owners benefit from understanding how big insurance companies sell online and take advantage of how the system works.

How to buy insurance

When shopping for insurance there are multiple ways of comparing rate quotes from local insurance companies. The recommended way to find affordable Honda CR-V insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

Hands down the most simple method to compare a lot of rates at once is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate quote forms for every company. Completing one form gets you price quotes from multiple companies. It’s definitely the quickest method.

A less efficient way to shop for insurance online is to manually visit the website for every company you want to comare and get a separate price quote. For instance, let’s say you want to compare rates from USAA, State Farm and Progressive. In order to compare rates, you need to go to every website and repeatedly enter your information, which explains why we recommend starting with the first method.

For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverage limits for each quote you get. If your comparisons have unequal deductibles or liability limits you can’t possibly decipher which rate is best. Slightly different limits may result in a large different in cost. Keep in mind that getting more free quotes helps increase your odds of locating more affordable rates.

Get affordable auto insurance rates with discounts

Companies don’t list the entire discount list very clearly, so the following list contains some of the best known and the more hidden credits available to you.

  • Driving Data Discount – Insureds that choose to allow driving data collection to spy on driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
  • Early Renewal Discounts – Some larger companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Multi-car Discount – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Policy Bundle Discount – If you can combine your auto and home policy and place coverage with the same company they may give you a discount of nearly 15% which can help you find low cost insurance coverage.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Insurance companies that may have some of the above discounts are:

If you are trying to find the cheapest insurance coverage quotes, ask all the companies to apply every possible discount. Some discounts listed above may not apply to policyholders in your state. To locate companies offering auto insurance discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need replacement cost coverage?
  • When would I need rental car insurance?
  • Is motorclub coverage worth it?
  • Will my insurance pay for OEM parts?
  • Do I need replacement cost coverage on my 2018 Honda CR-V?
  • If my pet gets injured in an accident are they covered?
  • Is my babysitter covered when using my vehicle?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This will pay to fix damage to your CR-V resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, medical expenses, attorney fees, loss of income and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Honda CR-V.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, hospital visits, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

A penny earned…

You just learned some good ideas how you can save on 2018 Honda CR-V insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with a lesser-known regional company.

Some insurance companies do not offer rates over the internet and these smaller providers only sell coverage through independent insurance agents. The cheapest 2018 Honda CR-V insurance is available online as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

When you buy insurance coverage online, do not reduce coverage to reduce premium. In many instances, someone sacrificed full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

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