View 2014 Honda CR-V Insurance Quotes

Searching for the cheapest car insurance rates for your Honda CR-V? Have you had enough of scraping the payment together to keep your car insured? You have the same problem as the majority of other people.

People have so many car insurance companies to choose from, and even though it’s nice to be able to choose, having more auto insurance companies makes it harder to find the lowest cost provider.

You can change your insurance premiums

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but others are not as apparent such as your marital status or your financial responsibility.

Shown below are a few of the things utilized by car insurance companies to help set your rates.

  • Prevent theft and save – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Do you know you’re credit history? – Credit score is a large factor in calculating your auto insurance rates. Therefore, if your credit score is not that good, you could pay less to insure your 2014 Honda CR-V if you improve your credit rating. Insureds that have high credit ratings tend to be less risk to insure as compared to drivers with poor credit scores.
  • Save money by raising deductibles – Insurance for physical damage to your car, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered would be a dented fender, vandalism, and damage caused by flying debris. Your deductibles are how much you are required to spend if the claim is covered. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for CR-V coverage.
  • When should you not file a policy claims? – If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies give most affordable rates to drivers who file claims infrequently. Auto insurance is designed for more catestrophic claims.
  • Experienced drivers pay less – More mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers tend to be inattentive and easily distracted when behind the wheel therefore auto insurance rates are much higher.

Cheaper insurance rates with discounts

Some providers don’t list the entire discount list very clearly, so we break down some of the best known as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
  • Student in College – who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
  • Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Switch and Save Discount – Select insurance companies give a discount for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Life Insurance Discount – Insurance companies who offer life insurance give better prices if you take out some life insurance in addition to your auto policy.
  • Low Mileage Discounts – Keeping the miles down on your Honda could be rewarded with lower insurancerates on the low mileage vehicles.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

A list of companies and a partial list of their discounts are shown below.

  • State Farm offers discounts including driver’s education, accident-free, good student, safe vehicle, Drive Safe & Save, multiple autos, and good driver.
  • Nationwide offers premium reductions for good student, multi-policy, Farm Bureau membership, easy pay, defensive driving, and accident-free.
  • Geico policyholders can earn discounts including emergency military deployment, driver training, anti-lock brakes, air bags, military active duty, and five-year accident-free.
  • AAA has savings for good driver, multi-car, pay-in-full, good student, AAA membership discount, and education and occupation.
  • 21st Century may offer discounts for theft prevention, student driver, driver training, good student, air bags, and early bird.
  • The Hartford offers discounts for good student, anti-theft, defensive driver, driver training, and vehicle fuel type.

If you need the cheapest car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see providers that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • Is my babysitter covered when using my vehicle?
  • Should I buy full coverage?
  • Do I benefit by insuring my home with the same company?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Collision – Collision insurance will pay to fix damage to your CR-V resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a mailbox, crashing into a ditch, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, medical expenses, loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills such as dental work, nursing services, X-ray expenses, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hail damage, vandalism and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Never pay more for less

You just learned quite a bit of information on how to compare 2014 Honda CR-V insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable car insurance. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

Cheap 2014 Honda CR-V insurance is attainable from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who don’t offer price quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured cut liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

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