1997 Honda CR-V Insurance Rates

Want the cheapest car insurance rates for your Honda CR-V? Do you get exhausted from paying out the nose to buy car insurance? You’re in the same situation as the majority of other drivers. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

It’s a good idea to take a look at other company’s rates before your next renewal because car insurance prices change regularly. Just because you had the lowest rates for CR-V coverage a few years ago other companies may now be cheaper. You can find a lot of information about car insurance out there, but you can learn some proven techniques to put money back in your pocket.

If you have a current insurance coverage policy or need a new policy, you can use this information to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to learn the proper way to find the lowest price on the web.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that can drop the cost substantially. Many discounts should be triggered at the time of quoting, but a few must be specially asked for in order for you to get them.

• Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
• Payment Method – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
• Government Employees – Federal government employees could provide a small rate reduction for CR-V coverage depending on your company.
• Defensive Driver Discounts – Taking a course in driver safety could cut 5% off your bill if your company offers it.
• Multiple Policy Discount – When you have multiple policies and insure them with the same company you may earn 10% to 20% off each policy.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.

Consumers should know that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will definitely reduce your policy premiums.

To see a list of insurers with the best discounts, click here.

Low cost auto insurance prices

There are multiple methods you can shop for auto insurance and some are less time-consuming than others. You can spend countless hours talking to local insurance agents in your area, or you could save time and use the web to maximize your effort.

Many of the larger companies enroll in a system that enables customers to enter their policy data once, and each company returns a competitive quote for coverage. This saves time by eliminating form submissions to every company.

To compare rates using this form now click here to open in new window.

One minor caviat to using this type of form is you cannot specify which providers to get pricing from. If you prefer to choose specific providers to compare rates, we put together a list of auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use apples-to-apples coverages for each price quote. If you compare different deductibles it’s impossible to determine the lowest rate for your Honda CR-V.

Insurance rates are influenced by these factors

When buying car insurance it’s important to understand the different types of things that help determine your policy premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that can earn you big savings. Multiple criteria are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, although others are less apparent like your vehicle usage and annual miles driven.

The items below are some of the items that factor into prices.

• Big cities mean more claims – Living in areas with lower population is a good thing when shopping for auto insurance. People in densly populated areas regularly have more traffic problems and much longer commute distances. Less people translates into fewer accidents and also fewer theft and vandalism claims.
• Too many car insurance claims and you’ll pay more – If you’re an insured who likes to file claims you shouldn’t be surprised to get either higher rates or even cancellation. Auto insurance companies provide most affordable rates to drivers who only file infrequent claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Do safer cars cost less to insure? – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If your Honda CR-V has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Premiums drop with age – Older insureds are shown to be more cautious, cause fewer claims and accidents and get fewer tickets.Inexperience drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher car insurance rates.
• Rental and towing coverage may not be needed – There are quite a few additional coverages that you can buy if you aren’t diligent. Things like coverage for rental cars, high-cost glass coverage, and membership fees are some examples. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
• Commute or pleasure use – The higher the mileage driven in a year’s time the higher your rate. Many insurance companies charge to insure your cars based upon how much you drive. Cars and trucks left parked in the garage cost less to insure than vehicles that are driven to work every day. An incorrectly rated CR-V may be costing you higher rates. It’s always a good idea to double check that your car insurance declarations sheet states annual mileage.
• Insurance premiums and driver gender – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Both sexes get in accidents at about the same rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are the most expensive to insure and therefore pay the highest rates.
• No coverage gaps is important – Having an insurance coverage lapse is a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage might get you a fine, jail time, or a revoked license.

Car insurance is unique, just like you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover if your situation might need professional guidance.

• Am I covered if I hit my neighbor’s mailbox?
• Am I covered when driving on a suspended license?
• Is other people’s property covered if stolen from my vehicle?
• Which companies will insure high-risk drivers?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does having multiple vehicles earn me a discount?
• Should I have a commercial auto policy?
• How high should deductibles be on a 1997 Honda CR-V?
• Am I better off with higher deductibles on my 1997 Honda CR-V?
• Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Tricks in auto insurance advertising

Drivers can’t escape the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all try to convey promises that you can save if you just switch your auto insurance coverage to their company.

How does each company lower your car insurance rates?

Many companies have underwriting criteria for the type of customer that makes them money. For instance, a profitable risk profile could possibly be a married female, has no tickets, and chooses high deductibles. A propective insured who matches those parameters will probably get the lowest prices and therefore will save when they switch companies.

Insureds who do not meet this stringent profile will see higher rates and ends up with the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” not “all people who quote” save money. That is how companies can advertise the savings. This really emphasizes why it is so important to get a wide range of price quotes. Because you never know the company that will provide the lowest car insurance rates.

Auto insurance coverages

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Honda CR-V.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision – Collision insurance will pay to fix damage to your CR-V resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like medical expenses, court costs, medical services and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, dental work and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft, falling objects, vandalism and fire damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Stretch your dollar

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability coverage limits and learned later that it was a big mistake. The ultimate goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Affordable 1997 Honda CR-V insurance can be purchased both online and also from your neighborhood agents, so you need to shop insurance with both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and usually these small, regional companies sell through local independent agents.

You just learned many tips how you can get a better price on 1997 Honda CR-V insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest rates are with the least-expected company. Smaller companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

For more information, link through to the articles below:

• Top Signs Your Brakes are Giving Out (State Farm)
• Who Has the Cheapest Miami Car Insurance Rates for a Honda CR-V? (MiamiCoverage.com)
• Cellphones, Texting and Driving (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)