2015 Honda CR-V Insurance Quotes

Searching for cheaper auto insurance rates for your Honda CR-V? Vehicle owners who are new to the process of comparing car insurance rates on the internet can find buying cheap auto insurance is nearly impossible.

You should take the time to get comparison quotes once or twice a year because prices change quite often. Just because you found the best price for CR-V insurance on your last policy you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re going to learn the only way to reduce your cost while increasing coverage.

If you currently have car insurance, you should be able to cut costs considerably using this information. Pricing more affordable auto insurance coverage is not that difficult. Although car owners must learn the methods companies use to sell insurance online and use this information to your advantage.

Insurance coverage rates and discounts

Insurance coverage is neither fun to buy or cheap, but there may be some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but occassionally some discounts must be manually applied before being credited.

  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn discounted prices on garaged vehicles.
  • Active Military Service – Having a deployed family member could trigger a small discount.
  • Safety Course Discount – Successfully completing a course in defensive driver could possibly earn you a 5% discount and also improve your driving technique.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for CR-V insurance depending on your company.
  • Save with a New Car – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Just being a homeowner may earn you a small savings since owning and maintaining a home is proof that your finances are in order.

As is typical with insurance, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

Popular insurance coverage companies and a partial list of their discounts can be found below.

  • Travelers has discounts for home ownership, IntelliDrive, save driver, driver training, payment discounts, and continuous insurance.
  • 21st Century offers premium reductions for student driver, good student, air bags, homeowners, anti-lock brakes, and early bird.
  • State Farm may offer discounts for Drive Safe & Save, passive restraint, student away at school, multiple autos, Steer Clear safe driver discount, and defensive driving training.
  • Geico may include discounts for defensive driver, driver training, air bags, federal employee, and military active duty.
  • SAFECO has savings for accident prevention training, bundle discounts, teen safety rewards, teen safe driver, safe driver, and anti-theft.
  • AAA offers discounts including good student, multi-car, AAA membership discount, multi-policy, and anti-theft.

Double check with every prospective company which credits you are entitled to. Discounts may not apply to policyholders in every state. To find companies with discount rates, click here to view.

Lower your insurance costs

The best way to find cheaper auto insurance is to take a look at some of the things that go into determining the price you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower premium levels. Multiple criteria are used when you quote your car insurance policy. Some are obvious such as your driving record, but some are more transparent such as your marital status or your vehicle rating.

Listed below are some of the things used by companies to determine your rates.

  • Insurance companies don’t like frequent policy claims – If you’re an insured who likes to file claims you should expect higher rates. Auto insurance companies provide better rates to policyholders who do not file claims often. Your insurance policy is intended for claims that pose a financial burden.
  • Lower rates come with age – Mature drivers have been proven to be more responsible, tend to cause fewer accidents , and are generally more financially stable.Youthful drivers have a tendency to be inattentive when driving with friends and because of this, their auto insurance rates are much higher.
  • Always have auto insurance – Not having insurance is not a good idea and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Women pay lower premiums – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that females are better drivers. They both tend to get into accidents at about the same rate, but the male of the species tend to have higher claims. They also receive more costly citations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and thus lower rates. If your Honda CR-V has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover whether you might need an agent’s assistance.

  • Does my policy cover my teen driver if they drive my company car?
  • Exactly who is provided coverage by my policy?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when delivering products for my home-based business?
  • What is the difference between comprehensive and collision coverage?
  • How high should my medical payments coverage be?
  • Am I covered if I wreck a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Coverage specifics

Understanding the coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, structural damage, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Honda CR-V.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, surgery, ambulance fees, hospital visits and doctor visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision protection

Collision insurance will pay to fix damage to your CR-V resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, damage from getting keyed, falling objects, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

One last thing

We’ve covered many tips how you can shop for 2015 Honda CR-V insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies.

People switch companies for any number of reasons including poor customer service, delays in paying claims, policy non-renewal or high rates after DUI convictions. No matter why you want to switch, finding a new insurance coverage company can be easier than you think.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability limits or collision coverage only to regret that the savings was not a smart move. The aim is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

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Comments About 2015 Honda CR-V Insurance

  1. Elliot Monroe

    I went with State Farm at renewal. Best rates in Lexington, KY. I have several vehicles insured with them.

  2. Carlyn Hamilton

    I’m looking for cheaper coverage. I live in a small town just outside of Knoxville, TN. I quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my Honda and saved just over $130 a year. I get lower rates because of my clean driving record.

  3. Sharleen Randolph

    This is too expensive. From northwest of Lexington, KY. Got free quotes online for a 2015 Honda CR-V. Ended up at about $180 savings annually. Went with 21st Century. Was with Farmers. I recommend comparing lots of rates.

  4. Jenise Newton

    Here’s what I found out. From northwest of Tacoma, WA. Quoted quotes with Travelers, AAA, Liberty Mutual, and Mercury for my Honda and saved about $550 a year.

  5. Gigi Miranda

    Cheaper car insurance is a myth. From west side of Shreveport, LA. I got free quotes from GMAC, AAA, Mercury, and a couple others for my CR-V and I think I saved about $30 each month. Was with GEICO. I have a teen driver too. You can get a rate quote online.

  6. Wade Sexton

    Need cheaper insurance rates for my teenage driver in Rio Rancho, NM!!

  7. Dallas Chaney

    Can I get replacement cost coverage for a 2015 Honda CR-V?

  8. Ila Britt

    Live in the western part of Rochester, NY. Not sure of all the companies but I ended up saving about $60 each month. Was with Nationwide.