View 2009 Honda CR-V Insurance Quotes

Trying to find lower insurance coverage rates for your Honda CR-V? When looking for lower-priced insurance, are you baffled by the dozens of insurance coverage providers that you can choose from? Many other drivers are as well. Consumers have such a vast assortment of providers available that it can easily become a real hassle to find lower prices.

Locating the lowest cost insurance coverage is easy if you know what you’re doing. Just about everyone who carries insurance stands a good chance to be able to reduce their rates. But consumers can benefit by having an understanding of the way insurance companies compete online and apply this information to your search.

The cheapest insurance price quotes

To find low cost rates, there are a couple of ways to compare quotes from lots of insurance companies. The recommended way to lower the rate you pay for 2009 Honda CR-V insurance consists of shopping online. This can be accomplished by using one of the methods below.

  • The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating repetitive form submissions to each individual insurance company. One form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  • A different way to obtain and compare quotes online consists of going to each company’s website to complete their respective quote request forms. For example, let’s say you want to see prices from Liberty Mutual, Allstate and GMAC. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  • Even if you have time, the least recommended way to get rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online eliminates this option unless you’re the type of person who wants the advice and guidance of a local agency. Although, it is possible price shop your coverage online but buy the policy through an agent.

Whichever method you choose, try to keep nearly identical coverage data for every company. If your comparisons have different deductibles it will be very difficult to make an equal comparison. Just slight variations in coverage limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price. Some smaller insurers to not give online quotes, so it’s necessary to compare rates from them, too.

Auto insurance myths debunked

Well-known auto insurance companies like State Farm and Allstate continually stream television, radio, and online ads. They all seem to tend to make the same promise about how much you will save if you get a free car insurance quote and switch to their company. How does every auto insurance company offer you a better deal? You have to listen carefully.

All companies give the best rates for the type of customer that will be a good risk. One example of this type of risk profile could be between the ages of 30 and 50, has no prior claims, and drives a lower-performance vehicle. Any customer that matches those criteria will get a cheap rate quote and therefore will save a lot if they switch.

Potential customers who are not a match for this ideal profile may be required to pay higher premium rates which leads to the customer buying from a different company. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save money. That’s the way companies can advertise the way they do.

Because every company is different, you really should compare rate quotes every year. It’s just not possible to know which auto insurance company will fit your personal profile best.

These discounts can lower car insurance rates

Some insurance providers don’t always list the complete list of policy discounts very clearly, so the below list has some of the best known and also the lesser-known savings tricks you should be using when you buy car insurance online. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • Good Grades Discount – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply well after school through age 25.
  • Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Accident Forgiveness Coverage – but some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to being involved in the accident.
  • Safety Course Discount – Passing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.

Don’t be surprised that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Car insurance companies who may offer many of the previously listed discounts include:

Double check with all companies you are considering which credits you are entitled to. All car insurance discounts might not be offered on policies in every state. To view insurers with the best car insurance discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy only the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses for X-ray expenses, ambulance fees, EMT expenses and dental work. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda CR-V.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Collision – This coverage pays for damage to your CR-V caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, fire damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage can cover damage or injury you incur to people or other property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Save your hard earned cash

Cheaper auto insurance is available on the web and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies only sell coverage through independent insurance agencies.

When searching for inexpensive car insurance quotes, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price.

You just read many tips how you can reduce 2009 Honda CR-V insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

To read more, take a look at the resources below:

Comments About 2009 Honda CR-V Insurance

  1. Debroah Rush

    I was with GMAC last year but switched to State Farm. Lifelong resident of Des Moines, IA.

  2. Loriann Lawrence

    Nice post. Live in the eastern part of Huntington, WV. Quoted quotes with AIG Insurance, Eastwood, and Safeco for my CR-V and saved about $210 a year.

  3. Isis Simon

    Located in Greensboro, NC. Not sure of all the companies but I ended up saving about $40 each month. Left AIG Insurance to switch. Not sure if rates are cheaper online or not.

  4. Antone Rojas

    Progressive is decent in Charlotte, NC.

  5. Sandy Melendez

    Here’s my info. From north side of Boise, ID. Quoted with Allstate, AAA, Erie, and Hanover for my Honda and saved $119 a year. I even had a DUI years ago.

  6. Titus Hays

    In Charleston, South Carolina, State Farm auto insurance rates for my 2009 Honda CR-V were good. Insured with State Farm before.

  7. Edith Wilson

    Any claims experience with 21st Century in Chicago, Illinois?

  8. George Buck

    Is GEICO or State Farm cheaper in Henderson, Nevada?

  9. Lakesha Foster

    I’m in the suburbs of Rochester, NY. Can’t remember who all I quoted but I ended up saving about $50 each month.

  10. Lawrence Austin

    Good site, thanks. I’m in the suburbs of Provo, UT. Compared quite a few companies. Saved darn near $30 a month. State Farm was the cheapest for me. I have a teen driver too. :P

  11. Cathryn Vincent

    Here’s my info. Proud to be from San Diego, California. Not sure of all the companies but I ended up saving about $50 each month. Was with GMAC.

  12. Jesusa Prince

    I found cheap 2009 Honda CR-V insurance in Portland, OR with Allstate.