2013 Honda CR-V Car Insurance Quotes – 7 Tips for Cheapest Rates

Looking for lower insurance coverage rates for your Honda CR-V? Are you overwhelmed by the sheer number of insurance coverage companies that you can choose from? You have such a vast assortment of companies available that it can easily turn into a burden to compare prices.

It’s smart to shop coverage around before your next renewal since rates change frequently. Even if you think you had the best premium rates on CR-V insurance two years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because we’re going to show you how to quote online to remove unneeded coverages and save money.

Cheapest car insurance rate quotes

Performing a rate comparison can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you can utilize online quoting to maximize your effort.

Most of the larger companies participate in a marketplace where insurance shoppers submit their information once, and each participating company can provide price quotes based on that data. This eliminates the need for quote forms for every car insurance company.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to using this type of system is you are unable to specify which companies you want to price. If you prefer to choose individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use the same coverages for each comparison quote. If you enter different values for each quote it will be impossible to determine the best price for your Honda CR-V. Having just a slight variation in coverages could mean much higher rates. Just keep in mind that comparing a large number of companies gives you a better chance of getting the best rates.

Take advantage of every insurance discount

Insurance is not inexpensive, but you may find discounts that you may not even be aware of. Certain credits will be shown when you purchase, but some need to be asked for before being credited.

• Responsible Driver Discount – Drivers who avoid accidents can save as much as half off their rates on CR-V insurance than drivers with accident claims.
• More Vehicles More Savings – Drivers who insure multiple cars or trucks with the same company can reduce rates for all insured vehicles.
• Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for newer vehicles.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt could save 15% on medical payment and PIP coverage.
• Telematics Data – Drivers who agree to allow their insurance company to monitor where and when they drive by using a telematic data system like Allstate’s Drivewise may get a rate reduction if they have good driving habits.
• Low Mileage Discounts – Driving less may enable drivers to earn better insurancerates on cars that stay parked.
• Defensive Driver Discounts – Completing a defensive driver class can save you 5% or more and also improve your driving technique.

Just know that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

A list of insurance companies and the discounts they provide include:

• State Farm offers discounts for driver’s education, anti-theft, multiple autos, good driver, and good student.
• Liberty Mutual may have discounts that include new graduate, multi-policy, newly retired, multi-car, preferred payment discount, newly married, and safety features.
• American Family offers premium reductions for early bird, defensive driver, Steer into Savings, good driver, and multi-vehicle.
• Progressive has savings for multi-vehicle, online quote discount, multi-policy, good student, online signing, continuous coverage, and homeowner.
• Farmers Insurance policyholders can earn discounts including business and professional, bundle discounts, teen driver, switch companies, distant student, and multi-car.
• Auto-Owners Insurance has discounts for paperless, teen driver, student away at school, company car, mature driver, group or association, and anti-lock brakes.
• SAFECO offers discounts including drive less, homeowner, teen safety rewards, anti-theft, multi-car, bundle discounts, and teen safe driver.

It’s a good idea to ask every prospective company the best way to save money. A few discounts might not be available to policyholders in every state.

How to know if you need help

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Am I covered if I hit a deer?
• Am I covered when pulling a rental trailer?
• At what point should I drop full coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Does having multiple vehicles earn me a discount?
• Is my camper covered by my car insurance policy?
• Is my 2013 Honda CR-V covered for smoke damage?
• If my 2013 Honda CR-V is totaled, can I afford another vehicle?
• What if I don’t agree with a claim settlement offer?
• Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 2013 Honda CR-V.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Liability coverages

This coverage can cover damage that occurs to people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, medical services, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your CR-V resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, sideswiping another vehicle, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from flooding, hitting a deer and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

At the end of the day…

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, poor customer service, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

We just presented some good ideas how to save on 2013 Honda CR-V insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the most savings is with a small local company.

Low-cost 2013 Honda CR-V insurance can be found from both online companies and with local insurance agents, so you need to quote insurance with both to have the best selection. Some companies do not offer rate quotes online and usually these smaller providers only sell through independent agents.

Additional articles

• Where can I buy Insurance? (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Honda CR-V in Honolulu? (QuoteHonolulu.com)
• Vehicle Safety Ratings (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)