Cheap 2001 Honda CR-V Car Insurance Quotes

Searching for better insurance prices for a Honda CR-V can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to get price quotes for a Honda and obtain the best price possible either online or from local insurance agents.

How to buy auto insurance online

Finding a better price on auto insurance can be quick and easy. You just have to take the time to compare rate quotes online from several insurance companies. Insurance prices can be quoted in several different ways.

The most recommended method to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each price estimate. One form submission will return quotes from auto insurance companies with the best prices. This is by far the quickest method.

A different way to get quotes online requires a visit to each company website and request a quote. For examples sake, let’s say you want to compare rates from Progressive, Farmers and Liberty Mutual. You would need to go to each individual site and repeatedly type in your coverage information, and that explains why we recommend the first method.

For a list of companies in your area, click here.

The last method to comparison shop rate quotes is actually driving to and from local insurance agencies. Quoting online eliminates this option unless you have a complicated situation and need the professional advice of a local agent. Drivers can compare the best prices online but buy from a local insurance agent.

Compare rates however you want, just ensure you’re using nearly identical coverage information for each price quote. If the quotes have mixed coverages it’s impossible to determine which rate is truly the best.

Start a Quote Now

Lower your insurance prices

It’s important that you understand the rating factors that go into determining insurance coverage rates. When consumers understand what influences your rates, this helps enable you to make changes that could help you find lower premium levels. Many different elements are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, but other factors are less apparent such as your credit history and annual miles driven.

Your address can impact prices – Living in less populated areas of the country may provide you with better prices when talking about insurance coverage. People who live in big cities have to deal with much more traffic and more time behind the wheel. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims.
Deter theft and pay less – Owning a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.
Rates also based on gender – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Females and males have fender benders at about the same rate, but the male of the species tend to have more serious accidents. Men also statistically get cited for more serious violations like driving under the influence (DUI). Male teenagers are the most expensive to insure and therefore pay the highest rates.
Save money by raising deductibles – Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your Honda. Some coverage claims are a dented fender, flood damage, and burglary. Your deductibles tell how much you are required to spend if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the better rate you will receive for CR-V insurance.
Rental and towing coverage may not be needed – There are a lot of extra add-on coverages that can waste your money if you don’t pay attention. Insurance for things like rental car reimbursement, death and dismemberment, and membership fees may be wasting your money. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past consider taking them off your policy.
Responsible credit means lower costs – Credit rating is a large factor in determining what you pay. If your credit rating could use some work, you may save money insuring your 2001 Honda CR-V if you clean up your credit. People that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.

Cheaper insurance coverage rates with discounts

Some companies do not advertise their entire list of discounts very clearly, so the next list breaks down both the well known and also the lesser-known discounts that may be available.

Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
Bundle and Save – If you can bundle your auto and home insurance and place coverage with the same company you could get a discount of up to 20% off your total premium.
Student Driver Training – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
Braking Control Discount – Cars with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
First Accident Forgiveness – Not necessarily a discount, but some insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims for a set time period.
Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of 20% or more.

Keep in mind that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free insurance coverage policy, it doesn’t quite work that way.

Large insurance coverage companies and their offered discounts are detailed below.

State Farm has savings for passive restraint, defensive driving training, good driver, driver’s education, good student, safe vehicle, and anti-theft.
Farmers Insurance discounts include multi-car, youthful driver, mature driver, good student, pay in full, business and professional, and early shopping.
Progressive offers discounts for continuous coverage, multi-policy, homeowner, online quote discount, good student, and multi-vehicle.
Geico may offer discounts for seat belt use, daytime running lights, five-year accident-free, federal employee, driver training, anti-theft, and multi-policy.
Auto-Owners Insurance has discounts for safe vehicle, multi-policy, student away at school, anti-theft, anti-lock brakes, and safe driver.
The Hartford may have discounts that include defensive driver, bundle, vehicle fuel type, driver training, and anti-theft.
Farm Bureau includes discounts for safe driver, multi-policy, 55 and retired, youthful driver, multi-vehicle, and driver training.
USAA policyholders can earn discounts including vehicle storage, annual mileage, multi-vehicle, safe driver, military installation, and new vehicle.

Check with every company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders everywhere. To see insurance companies with the best discounts, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

Is my vehicle covered by my employer’s policy when using it for work?
How do I buy GAP insurance?
Am I covered if I wreck a rental car?
Do I have any recourse if my insurance company denies a claim?
What is covered by UM/UIM coverage?
Am I covered when driving in Canada or Mexico?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What is roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance specifics

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage – Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This 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 2001 Honda CR-V.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart shoppers get results

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best cost, not the least amount of coverage.

In this article, we presented a lot of tips how to save on 2001 Honda CR-V insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with a lesser-known regional company.

The cheapest 2001 Honda CR-V insurance can be found both online and with local insurance agents, so you need to shop car insurance with both to have the best selection. A few companies may not offer online price quotes and these small insurance companies provide coverage only through independent insurance agencies.

To read more, feel free to visit the following helpful articles: