2003 Honda CR-V Insurance Rates – 10 Tricks for Cheapest Quotes

Paying low cost coverage rates for insurance coverage can be slightly frustrating for drivers who are beginners to comparing prices online. There are so many different companies and agents to choose from that it can quickly become a lot of work to find more affordable prices.

Finding affordable coverage is not rocket science. In a nutshell, anyone who carries auto insurance will be able to lower their premiums. Although vehicle owners must know the way insurance companies sell insurance online and apply this information to your search.

Compare quotes for auto insurance

Shopping for lower auto insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could use the internet for quick rates.

Many of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each company can give them a price based on that information. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

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

The only drawback to using this type of form is that consumers can’t choose the insurers you want pricing from. If you would rather choose specific insurance companies to compare, we have a page of companies who write auto insurance in your area. Click to view list.

Whichever way you choose to compare rates, do your best to use exactly the same coverage limits with every price quote. If you compare different data it’s impossible to determine the best price for your Honda CR-V. Slightly different coverage limits can make a big difference in price. Just remember that comparing a large number of companies helps you find lower pricing.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • What are the best liability limits?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What discounts do I qualify for?
  • Should I carry comprehensive and collision coverage?
  • Is motorclub coverage worth it?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, legal defense fees, pain and suffering and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as doctor visits, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays for damage to your CR-V caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda CR-V.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, falling objects, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Comments About 2003 Honda CR-V Insurance

  1. Meggan Hawkins

    Proud to be from Kansas City, MO. Got free quotes online for a 2003 Honda CR-V. Ended up at about $70 savings annually. Went with Progressive. Thankfully I’m not a high risk driver. It’s easy to compare rates online now. When should I drop full coverage?

  2. Francisca Conway

    I’ve insured with GEICO for a long time. Pretty cheap in Sioux Falls, SD.

  3. Nikita Wood

    Well-written and thought out article. I live in a small town just outside of New Orleans, LA. Can’t remember who all I quoted but I ended up saving about $20 each month. Might find lower rates online.

  4. Marianela Farley

    Great info, thanks for posting. Live in the western part of Davenport, IA. Quoted a bunch of companies. Saved right around $20 a month. State Farm was the cheapest for me.

  5. Shila Rogers

    Thanks for putting this site together. I live in a small town just outside of Cedar Rapids, Iowa. Quoted a bunch of companies. Saved roughly $30 a month. 21st Century was the most affordable for me. I don’t have comp or collision coverage.

  6. Donna Patel

    This is too expensive. I’m in the west part of San Antonio, Texas. Quoted with Safeco, Encompass, Progressive, and Amica for my Honda and I’m now saving $20 a month. Insured with Farmers before.

  7. Lisha Cummings

    Lots of useful info here. From a town just southwest of San Jose, California. Received rates from American Family, Safeco, and some smaller one I can’t remember the name of for my 2003 Honda CR-V and I’m now saving $15 a month. Bought it from an online quote. Anyone else drop full coverage?

  8. Tayna Clements

    All companies are crooks. Lifelong resident of Gaithersburg, MD. Received quotes with American Family, Eastwood, and Sentry for my 2003 Honda CR-V and I’m now saving $11 a month. Left Travelers to switch. I got a quote from their website.

  9. Matha Cooke

    I live just to the east of San Diego, CA. Got prices from Western Auto Insurance, AIG Insurance, GMAC, and Mercury for my 2003 Honda CR-V and I’m now saving $18 a month. Was with Nationwide. I get multi-vehicle and multi-policy discounts. Hardly afford to drive anymore. My CR-V doesn’t have full coverage.

  10. Evie Robertson

    I live just to the north of Charlotte, NC, and 21st Century rates were best. Was with Western Auto Insurance. Highly recommended.

  11. Argelia Ingram

    I got quite a few price quotes for a 2003 Honda CR-V in Fort Wayne, Indiana. Ended up at darn near $110 every six months with Amica. They were helpful in switching over. I think I’ll get rid of full coverage next time.

  12. Stefan Anderson

    Nice post. I’m in Seattle, WA. Got free quotes online for a 2003 Honda CR-V. Ended up at about $70 savings annually. Went with State Farm. Switched homeowners coverage too. Not sure if rates are cheaper online or through an agent. My CR-V doesn’t have full coverage.

  13. Buffy Ray

    I’m from Rochester, NY. Got rates from AIG Insurance, Safeco, and Western Auto Insurance for my 2003 Honda CR-V and saved $99 a year.

  14. Tennie Beck

    How are claims handled by GEICO around Rochester, MN?

  15. Faith Farley

    Liked the article. I’m in Raleigh, NC. Got quotes with 21st Century, American Family, and some I forget for my 2003 Honda CR-V and saved $110 a year. I think they have home insurance too. I’m thinking about dropping full coverage though.