View 1999 Honda CR-V Insurance Rates

Looking for lower car insurance rates? Shoppers have lots of choices when shopping for low-cost Honda CR-V insurance. They can either spend hours calling around getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to compare rates on a Honda and locate the lowest price.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to understand the most efficient way to compare price quotes over the internet.

The fastest way that we advise to compare rate quotes utilizes the fact most of the bigger providers provide online access to provide you with free rate quotes. The only thing you need to do is give them rating details including what you do for a living, coverage limits, whether the vehicles are used for commuting, and if you’re married. Those rating factors gets sent immediately to many different companies and they return rate quotes very quickly.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for auto insurance savings by companies like State Farm, Geico and Progressive. All the companies make the point about savings after switching your auto insurance policy to them.

That’s great but how can every company lower your prices? It’s all in how they say it.

Insurance providers have specific characteristics for the type of insured that will be a good risk. For instance, a profitable risk profile may need to be a married male, insures multiple vehicles, and drives newer vehicles. Any new insured that hits that “sweet spot” will qualify for the lowest car insurance rates and have a good chance to pay quite a bit less when switching companies.

People who don’t measure up to the “perfect” profile will see a higher rate which results in the customer not purchasing. The trick is to say “people that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently make it sound like they have such great car insurance rates. That is why it’s extremely important to compare as many free insurance quotes as you can. It’s just not possible to know which auto insurance company will provide the lowest rates.

Insurance discounts help lower rates

Companies don’t always advertise all disounts very well, so the next list breaks down a few of the more well known and also the lesser-known credits available to lower your premiums when you buy insurance online.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
• Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance for CR-V insurance depending on your company.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• Mature Driver Discount – If you qualify as a senior citizen, you can get a small decrease in premiums for CR-V insurance.
• Memberships – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your bill.
• Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you may earn at least 10% off all policies.
• Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with slightly better prices than normal.
• College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• Early Switch Discount – Some insurance companies give discounts for signing up before your current policy expires. You may see this discount when you get insurance quotes online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

Large insurance companies and their possible discounts can be found below.

• Mercury Insurance discounts include good driver, good student, annual mileage, multi-policy, ease of repair, and professional/association.
• Farmers Insurance offers discounts including early shopping, homeowner, teen driver, youthful driver, and switch companies.
• Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, good student, multi-policy, renewal discount, driver training, and multi-vehicle.
• State Farm offers discounts for multiple autos, passive restraint, defensive driving training, Steer Clear safe driver discount, good driver, safe vehicle, and Drive Safe & Save.
• Allstate offers premium reductions for safe driver, utility vehicle, FullPay discount, teenSMART discount, senior citizen, and premier discount.
• Geico includes discounts for good student, emergency military deployment, defensive driver, anti-lock brakes, and multi-policy.

If you are trying to find low cost insurance quotes, ask each company or agent how many discounts you can get. Some discounts listed above might not apply in your area. For a list of insurance companies who offer online insurance quotes, click this link.

Which is the best insurance?

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you would benefit from an agent’s advice.

• Do I need medical payments coverage since I have good health insurance?
• What is covered by UM/UIM coverage?
• Should I have combined single limit or split liability limits?
• When can I cancel my policy?
• How do I insure my teen driver?
• I have health insurance so do I need medical payments coverage?
• Am I covered when driving a rental car?
• How much underlying liability do I need for an umbrella policy?
• Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda CR-V.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

This coverage will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, emergency aid, medical expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your CR-V from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage 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 protects against claims such as a broken windshield, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Smart shoppers get results

Consumers leave their current company for any number of reasons including policy non-renewal, policy cancellation, poor customer service and even lack of trust in their agent. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

We’ve covered many tips how you can get a better price on 1999 Honda CR-V insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from a small local company.

Low-cost 1999 Honda CR-V insurance is available from both online companies as well as from independent agents, so get free insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies may not offer rates over the internet and usually these small, regional companies work with local independent agencies.

More articles

• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)