Compare 2011 Honda CR-V Car Insurance Quotes

Want lower insurance coverage rates for your Honda CR-V? If you’re searching for cheaper insurance online, do you get confused by the crazy number of insurance coverage sources in your area? Lot’s of other people are too. Drivers have so many choices that it can easily turn into a difficult mission to find the best premium rates.

It’s important to quote other rates before your next renewal due to the fact that insurance prices go up and down regularly. Just because you had the lowest price for CR-V coverage last year there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to teach you the proper way to save on insurance coverage.

How your CR-V insurance rates are determined

An important part of buying insurance is that you know some of the elements that are used to determine your insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.

  • Liability insurance is critical – Liability insurance will afford coverage if ever you are responsible for personal injury or accident damage. Liability provides legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Frequent insurance claims increase rates – If you file claims often, you can look forward to much higher rates or policy non-renewal. Insurance companies give the lowest premiums to policyholders who are claim-free. Your insurance policy is intended for claims that pose a financial burden.
  • Marriage can save you money – Your spouse can actually save you money on insurance. Having a spouse translates into being more mature and statistics show married drivers get in fewer accidents.
  • Driving citations can be expensive – Attentive drivers pay lower auto insurance prices as compared to those with violations. Having just one citation can increase the cost of insurance forty percent or more. Drivers who have severe citations like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Youthful drivers cost more – Youthful drivers have been known to be less responsible when driving with friends and because of this, their insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims .
  • Eliminate unneeded extra coverages – There are quite a few extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Insurance for things like replacement cost coverage, death and dismemberment, and membership fees are probably not needed. They may seem good when discussing your needs, but now you might not need them so remove them from your policy.
  • Lower insurance rates with alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.

Discount car insurance quotes

Car insurance companies don’t always list every policy discount in a way that’s easy to find, so the below list has a few of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online.

  • Fewer Miles Equal More Savings – Low annual miles can qualify you for substantially lower prices.
  • E-sign Discounts</strong – Some of the larger companies provide a small discount get car insurance on their website.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Federal Employees – Federal government employees may reduce rates when you quote car insurance for CR-V coverage with certain companies.
  • College Student Discount – Any of your kids living away from home attending college without a vehicle on campus could get you a discount.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
  • Renewal Discounts – Some insurance companies give discounts for signing up before your current expiration date. It could save around 10% when you buy car insurance online.
  • Active Service Discounts – Being on active duty in the military could mean lower rates.

One last thing about discounts, many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • Farmers Insurance offers premium reductions for bundle discounts, alternative fuel, electronic funds transfer, good student, mature driver, business and professional, and switch companies.
  • State Farm discounts include accident-free, defensive driving training, safe vehicle, anti-theft, good student, driver’s education, and Steer Clear safe driver discount.
  • Liberty Mutual may include discounts for hybrid vehicle, new graduate, good student, preferred payment discount, and multi-car.
  • MetLife may have discounts that include defensive driver, good driver, good student, accident-free, multi-policy, and claim-free.
  • Progressive has savings for multi-policy, online signing, homeowner, online quote discount, and multi-vehicle.

Before buying, ask all the companies which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To find insurance companies that offer discounts, click here to view.

Is there deception in advertising?

Well-known auto insurance companies like State Farm and Allstate consistently run television and radio advertisements. They all advertise the message about saving some big amount if you just switch your auto insurance coverage to their company. How does each company give you a better price? It’s all in the wording.

Insurance companies offer their best rates for the type of insured that will most likely be profitable. One example of a profitable risk profile might be a female over age 40, has other policies, and drives less than 10,000 miles a year. A driver who fits those characteristics will get very good prices and will save quite a bit of money when switching.

People who do not fit those criteria will get higher premiums and this results in the customer not purchasing. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s why insurance companies can confidently state the savings.

This emphasizes why it’s extremely important to do a quote comparison often. It’s impossible to know the company that will have better premium rates than you’re paying now.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Is a fancy paint job covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What should my uninsured motorist coverage limits be in my state?
  • Who is covered when they drive my 2011 Honda CR-V?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This covers damage to your CR-V from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance

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

Comprehensive coverage protects against claims such as hitting a bird, falling objects, damage from getting keyed and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda CR-V.

Since many drivers 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 a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Quote more, save more

Low-cost 2011 Honda CR-V insurance is possible from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get quotes online and many times these regional insurance providers sell through independent agencies.

While you’re price shopping online, do not buy poor coverage just to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your objective should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

People switch companies for a number of reasons such as poor customer service, policy cancellation, extreme rates for teen drivers and even high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

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Comments About 2011 Honda CR-V Insurance

  1. Tova Fry

    I live in Springfield, MO. I quoted with AAA, Mercury, and a few others for my CR-V and saved just over $290 a year. They have a lot of discounts available.

  2. Aubrey Workman

    Well-written and thought out article. I’m in Worcester, MA. Can’t remember who all I quoted but I ended up saving about $30 each month. Teenage drivers are expensive! Not sure if rates are cheaper online or through an agent.

  3. Sanda David

    IT’S ALL TOO EXPENSIVE! Lifelong resident of Bridgeport, CT. Got car insurance quotes with American Family, MetLife, and a few others for my Honda and I’m now saving $55 a month. Wish I didn’t have to insure at all.

  4. Melodie Howe

    Live in Raleigh, NC. I don’t recall every quote but I ended up saving about $20 each month. I’m a pretty low risk driver. Wish I didn’t have to insure at all.

  5. Maya Alvarado

    Just my two cents. Live in Gulfport, MS. Got free quotes online for a 2011 Honda CR-V. Ended up at about $110 savings annually. Went with Allstate. I have a teen driver too.

  6. Shaquita Tanner

    Anyone understand their policy?

  7. Reynaldo Baird

    Located in Montgomery, AL. Received quotes from Amica, Nationwide, and Travelers for my Honda and I’m now saving $63 a month. Did it all online.

  8. Huey Glenn

    IMHO Hilo, HI seems to have good rates from GEICO.

  9. Len Pope

    I compared a lot of rate quotes for a 2011 Honda CR-V in Las Cruces, NM. Ended up at right around $550 every six months with American Family. Left Esurance to switch. Thankfully I have a good driving record.