Lower Your 2012 Honda CR-V Insurance Quotes

Shoppers have lots of choices when shopping for affordable Honda CR-V insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes. There is a better way to buy auto insurance and we’ll show you the quickest way to compare rates for a Honda and locate the cheapest rates from local insurance agents and online providers.

How to buy auto insurance online

There are multiple methods you can shop for auto insurance and some are less time-consuming than others. You can spend countless hours talking to insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

All the larger companies take part in a program that allows shoppers to complete one form, and at least one company can give them a price for coverage. This system prevents you from having to do form submissions to each company.

To find out how much you can save on auto insurance click to open in new window.

The one downside to pricing coverage this way is you can’t choose which companies you want to price. So if you want to select specific insurance companies to receive pricing from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but try to use identical information for every company. If the quotes have different liability limits it will be nearly impossible to get a fair rate comparison.

Are you receiving every discount?

Car insurance is neither fun to buy or cheap, but you may find discounts to help bring down the price. Most are applied at the time of quoting, but a few need to be asked for prior to getting the savings.

• Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
• Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage on CR-V insurance depending on your company.
• Service Members Pay Less – Being deployed in the military may lower your prices slightly.
• Sign Early and Save – Select insurance companies give a discount for switching companies early. It can save you around 10%.

Just know that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free car insurance policy, insurance companies wouldn’t stay in business.

If you would like to view companies who offer cheap car insurance quotes, follow this link.

When in doubt talk to an agent

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions might help in determining if you would benefit from professional advice.

• Does my policy cover my teen driver if they drive my company car?
• Is upholstery damage covered by car insurance?
• Can I drive in Mexico and have coverage?
• Am I insured when driving a different vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Do I need medical payments coverage since I have good health insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Honda CR-V.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability auto insurance – This provides protection from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, structural damage, emergency aid, medical services and attorney fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, pain medications and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision insurance covers damage to your CR-V from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, scraping a guard rail, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, vandalism and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.