Cheap 2014 Honda CR-V Insurance Rates

Searching for better auto insurance rates for your Honda CR-V? Locating the lowest cost auto insurance online may be intimidating for consumers who are new to buying their auto insurance on the web. With more and more online companies, how are consumers expected to efficiently compare every company to locate lower auto insurance premiums?

You should take the time to compare rates occasionally because rates change regularly. Despite the fact that you may have had the best deal for CR-V insurance a few years ago you may be paying too much now. There is lot of inaccurate information about auto insurance online but in just a couple of minutes you can learn some proven techniques to reduce your auto insurance bill.

More affordable rates with these insurance discounts

Car insurance companies don’t necessarily list every discount they offer very clearly, so we took the time to find some of the more common and also the lesser-known credits that you can use to lower your rates.

• Military Deployment Discount – Having a family member in the military could trigger a small discount.
• Resident Student – Any of your kids living away from home attending college and do not take a car to college may be able to be covered for less.
• Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for CR-V insurance with select insurance companies.
• No Charge for an Accident – Not a discount per se, but companies like Progressive and Allstate may permit one accident without raising rates as long as you don’t have any claims for a set time period.
• Discount for Multiple Policies – When you have multiple policies with the same insurance company you will save at least 10 to 15 percent or more.
• Seat Belt Usage – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.

We need to note that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like you could get a free insurance policy, it doesn’t quite work that way.

A list of insurance companies and a selection of discounts are detailed below.

• State Farm may offer discounts for anti-theft, Steer Clear safe driver discount, student away at school, multiple autos, multiple policy, and passive restraint.
• American Family offers discounts including accident-free, TimeAway discount, defensive driver, good student, good driver, and air bags.
• Geico has discounts for federal employee, anti-theft, seat belt use, multi-policy, good student, and daytime running lights.
• 21st Century may include discounts for driver training, teen driver, anti-lock brakes, defensive driver, homeowners, and theft prevention.
• Progressive includes discounts for online quote discount, good student, multi-vehicle, multi-policy, and online signing.

When comparing rates, check with each company what discounts are available to you. Some discounts might not be available to policyholders in your area. To see a list of providers that can offer you the previously mentioned discounts, follow this link.

Insurance coverage can get complicated

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

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

• Am I covered by my spouse’s policy after a separation?
• Do I need roadside assistance coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I have coverage when pulling a U-Haul trailer?
• Should I have combined single limit or split liability limits?
• Should I carry comprehensive and collision coverage?
• When should I not file a claim?
• Which companies will insure high-risk drivers?
• Are rock chip repairs covered?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, surgery, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda CR-V.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, emergency aid, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, rock chips in glass, fire damage and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Buy online or local, you save

Affordable 2014 Honda CR-V insurance is possible from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. A few companies may not provide the ability to get quotes online and these regional insurance providers only sell through independent agents.

People leave their current company for a variety of reasons including high prices, extreme rates for teen drivers, delays in responding to claim requests and policy non-renewal. Regardless of your reason for switching companies, finding a new insurance company can be easier than you think.

You just learned a lot of information how to compare 2014 Honda CR-V insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable insurance. You may even discover the biggest savings come from some of the lesser-known companies.

More tips and info about insurance is located by following these links:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)