2000 Honda CR-V Insurance Rates

Want better insurance coverage rates for your Honda CR-V? Overpriced insurance coverage can bleed your bank account and maybe even restrict other spending.

There are many auto insurance companies to choose from, and even though it’s nice to be able to choose, it can be more challenging to locate the cheapest rates.

You should make it a habit to compare rates at least once a year because insurance prices go up and down regularly. Even if you think you had the lowest rates for CR-V coverage a year ago there is a good chance you can find better premium rates now. Don’t believe everything you read about insurance coverage online, but by reading this article, you’re going to learn some proven techniques to save money.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But drivers must learn how insurance companies compete online because it can help you find the best coverage.

The easiest way to compare rates takes advantage of the fact most of the bigger providers allow for online access to quote your coverage. To start a quote, the only thing you need to do is provide information such as how many miles driven, how much education you have, coverage limits, and your general credit rating. The data is then submitted to many of the top insurers and they return cost estimate instantly.

To get price quotes for your 2000 Honda CR-V now, click here and enter the information requested.

Auto insurance in the media

Popular auto insurance providers such as State Farm, Allstate and Geico continually stream television and radio advertisements. They all state the claim that drivers will save a bundle if you just switch your auto insurance coverage to their company. It sounds good, but how can they all cost less than your current company? Here is how they do it.

Insurance providers offer their best rates for the type of driver that earns them a profit. For example, this type of insured might be described as over the age of 35, has few claims, and drives a vehicle with a low ISO rating. Any customer who meets those qualifications will get low rates and will most likely cut their rates substantially.

People who don’t measure up to this stringent profile will see higher rates which leads to business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently make those statements. Different companies use different criteria so drivers must compare rate quotes every year. It’s not possible to predict which company will have the lowest rate quotes.

Why you might pay inflated rates

An important part of buying insurance is that you know the factors that help determine your premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.

The following are some of the major factors companies use to determine prices.

  • Do safer cars cost less to insure? – Cars with five star safety ratings get lower rates. Vehicles built for safety reduce the chance of injuries and fewer serious injuries means lower claim amounts which can result in lower premiums. If the Honda CR-V earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Liability – Liability insurance will afford coverage if you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides you with a defense in court starting from day one. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Stay claim-free and lower auto insurance rates – Companies award discounts to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended for claims that you cannot pay yourself.
  • Bundle policies and save money – Most auto insurance companies give better rates to people who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to ten percent or more. Even if you already get this discount, it’s still a good idea to compare other insurance prices to help guarantee you have the best rates. You may still be able to find a better deal by insuring with multiple companies.
  • Prices may be lower depending on your occupation – Jobs like military personnel, architects and stock brokers usually pay higher premiums than the average policyholder due to high stress and extremely grueling work hours. On the other hand, professions such as scientists, athletes and retirees generally pay rates lower than average for CR-V coverage.
  • Bump up coverage deductibles to lower rates – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Honda. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The larger the amount you’re willing to pay, the less your auto insurance will be for CR-V coverage.

More affordable rates with these discounts

Some insurers don’t always list the entire discount list very well, so below is a list a few of the more common and also the more inconspicuous ways to save on auto insurance.

  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • E-sign – A handful of companies will give you a small discount for buying a policy and signing up on the web.
  • Sign Early and Save – Select auto insurance companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • Club Memberships – Being a member of a professional or civic organization could earn you a nice discount on your next auto insurance statement.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Defensive Driver – Taking a course in driver safety can save you 5% or more and also improve your driving technique.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.

As a sidenote, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, that’s just not realistic.

Companies that may have these money-saving discounts possibly include:

If you want cheaper insurance coverage quotes, ask all the companies what discounts are available to you. Some credits may not be offered in your area. To find insurance companies that have a full spectrum of discounts, click this link.

Car insurance can be complex

When buying the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Am I covered if I break a side mirror?
  • Can I afford to buy a different vehicle if my 2000 Honda CR-V is totaled?
  • Am I getting all the discounts available?
  • Does my insurance cover my expensive audio equipment?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is no-fault insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda CR-V.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto liability insurance

This protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, loss of income and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your CR-V resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like chiropractic care, funeral costs, ambulance fees, pain medications and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, falling objects, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In Summary

Some insurance companies may not offer price quotes online smaller companies provide coverage only through independent agents. Lower-priced 2000 Honda CR-V insurance is attainable both online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

We covered some good ideas how to shop for 2000 Honda CR-V insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest car insurance rates come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Even more information is located by following these links:

Comments About 2000 Honda CR-V Insurance

  1. Robbi Boyle

    From a town just southwest of Omaha, NE. I quoted with 21st Century, Encompass, and Hanover for my Honda and I think I am saving around $20 each month. You can get a rate quote online.

  2. Lajuana Lamb

    Live in the eastern part of Chicago, IL. Received quotes from AAA, Encompass, and Mercury for my 2000 Honda CR-V and I’m now saving $25 a month.

  3. Angelita Ward

    All insurance companies are crooks.

  4. Kimbery Conner

    I live in a small town just outside of Las Vegas, Nevada. Received prices from AIG Insurance, Sentry, and a few others for my CR-V and I’m now saving $22 a month. Good multi-policy discounts. It’s still not cheap enough. I think I’ll get rid of full coverage next time.

  5. Joan Fischer

    From northwest of Springfield, Massachusetts. Got quotes with Auto-Owners, Sentry, and a few others for my Honda and I think I saved around $30 each month. Was with The General. Even increased my liability limits. It’s still not cheap enough.

  6. Matt Shelton

    I’m in the east part of Evansville, IN. Can’t remember who all I quoted but I ended up saving about $10 each month. I used their online quote form to compare rates. I’m thinking about dropping full coverage though.

  7. Jayne Kemp

    I found cheap 2000 Honda CR-V insurance in Indianapolis, IN with GEICO.

  8. Wilford Blair

    For me, GEICO was by far the cheapest in Davenport, IA.

  9. Danuta Ewing

    Does Ohio require a SR-22 after a DUI?