Save on 2006 Honda CR-V Car Insurance Rates

Trying to come up with a payment for expensive auto insurance can consume your accounts and put the squeeze on your family’s finances. Comparing price quotes can be a smart way to make ends meet.

Due to the increasing number of auto insurance companies to choose from, it’s difficult to choose a more affordable insurance company.

Compare auto insurance price quotes online

Finding cheap auto insurance prices isn’t really that difficult. You just have to spend a little time comparing rate quotes to see which company has cheaper car insurance quotes. Rate comparisons can be done using a couple different methods.

  1. Hands down the most simple method to find the lowest comparison rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing separate quotation requests for each price estimate. Just one form gets rate comparisons direct from many companies.
  2. A more difficult way to get quotes online is spending the time to visit each company website and repeat the quote process. For examples sake, we’ll pretend you want to get rates from State Farm, Safeco and Farmers. To do that, you would have to go to every website and punch in your information repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but do your best to enter equivalent information for every quote you compare. If your comparisons have different values for each quote you will not be able to make a fair comparison for your Honda CR-V.

Drivers save money with these discounts

Some insurers don’t always publicize all available discounts very clearly, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Distant College Student Discount – Kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Paperwork-free – Certain larger companies will discount your bill up to fifty bucks shop car insurance on your computer.
  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a lower price if you buy life insurance from them.
  • Responsible Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on CR-V insurance than their less cautious counterparts.
  • No Claims – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with one insurance company you could earn a discount of as much as 10 to 15 percent.
  • Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount for every vehicle.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems are safer to drive and earn discounts up to 10%.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Large insurance companies and their offered discounts are shown below.

  • Farm Bureau offers premium reductions for multi-vehicle, 55 and retired, good student, safe driver, and youthful driver.
  • MetLife may offer discounts for accident-free, defensive driver, claim-free, good driver, and multi-policy.
  • Progressive has discounts for online signing, multi-vehicle, homeowner, online quote discount, and good student.
  • AAA includes discounts for AAA membership discount, multi-car, good driver, education and occupation, multi-policy, good student, and pay-in-full.
  • American Family may have discounts that include bundled insurance, mySafetyValet, Steer into Savings, air bags, and TimeAway discount.
  • Geico offers discounts including air bags, federal employee, daytime running lights, anti-theft, emergency military deployment, and five-year accident-free.
  • State Farm policyholders can earn discounts including multiple policy, good student, defensive driving training, good driver, and Drive Safe & Save.

It’s a good idea to ask every insurance company to give you their best rates. Depending on the company, some discounts might not apply in your area.

Special considerations

When choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help you determine whether or not you may require specific advice.

  • What is PIP insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I need rental car coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my 2006 Honda CR-V qualify for pleasure use?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, rock chips in glass, damage from getting keyed and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda CR-V.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability – This will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, structural damage, funeral expenses, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision coverage – This covers damage to your CR-V from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, rolling your car, scraping a guard rail, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, chiropractic care, nursing services and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

A tidy conclusion

Throughout this article, we presented a lot of information how to reduce 2006 Honda CR-V insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. You may even discover the lowest priced insurance comes from the least-expected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

When you buy car insurance online, you should never skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at a price you can afford.

Budget-conscious 2006 Honda CR-V insurance can be found online as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies do not provide internet price quotes and usually these smaller companies sell through independent agents.

Even more information can be found by following these links: