2012 Honda CR-V Car Insurance Cost – 6 Tips for Best Prices

Looking for better insurance rates for your Honda CR-V? Finding better insurance prices for your Honda CR-V can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time.

There are more efficient ways to buy insurance and we’ll show you the best way to get price quotes for your Honda and find the lowest price from both online companies and local agents.

It’s a good idea to take a look at other company’s rates yearly because prices are adjusted regularly by insurance companies. Even if you think you had the best rates on CR-V coverage on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because you’re going to learn the best way to reduce your cost while increasing coverage.

If you are insured now or need new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Pricing more affordable auto insurance coverage is not that difficult. Consumers only need to know how to compare price quotes online.

Quote auto insurance online

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way to do it. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies you want pricing from. If you wish to select from a list of companies to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just compare apples-to-apples information on every price quote you get. If you are comparing different limits and deductibles on each one it will be next to impossible to determine which company has the best rates.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

Is my 2012 Honda CR-V covered for flood damage?
When should my teen driver be added to my policy?
Are my tools covered if they get stolen from my vehicle?
Am I covered if I hit my neighbor’s mailbox?
Exactly who is provided coverage by my policy?
How much underlying liability do I need for an umbrella policy?
If my pet gets injured in an accident are they covered?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a Honda CR-V

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, emergency aid, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for ambulance fees, chiropractic care, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda CR-V.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.