2015 Honda CR-V Insurance Quotes – 5 Tips for Cheapest Rates

Buyers have options when searching for affordable Honda CR-V insurance. They can either waste time driving around trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates for your Honda and get the best price possible.

You should make it a habit to get comparison quotes once or twice a year because insurance rates are variable and change quite frequently. Just because you found the best deal on CR-V insurance a few years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the right way to find better rates and still maintain coverage.

The purpose of this post is to tell you the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Vehicle owners just need to understand the best way to compare price quotes online.

Compare car insurance rate quotes online

There are multiple methods to compare car insurance prices but some are more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Most of the best insurance companies participate in a marketplace where prospective buyers complete one form, and at least one company provides a quote for coverage. This prevents consumers from doing form submissions for every car insurance company.

To use this form to compare rates click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify which carriers you will receive quotes from. If you prefer to choose specific providers to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you are using the exact same information for each price quote. If you compare unequal deductibles or liability limits it will be impossible to find the best deal for your Honda CR-V.

Cheaper rates with these five discounts

Companies that sell car insurance don’t always list every possible discount very clearly, so the list below gives a summary of some of the best known and the harder-to-find discounts you could be receiving when you buy car insurance online.

Save with a New Car – Buying a new car instead of a used car can cost up to 25% less because new model year vehicles keep occupants safer.
Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
Good Grades Discount – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
Driver Safety – Passing a course teaching defensive driver skills could save 5% or more depending on where you live.

A little disclaimer on discounts, 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 even though it sounds like you could get a free auto insurance policy, that’s just not realistic.

Some of the larger companies that may offer quotes with some of the discounts shown above possibly include:

It’s a good idea to ask every prospective company how you can save money. Some credits may not apply to policies in your area. To choose providers who offer discounts, click here.

What is the best insurance coverage coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you might need professional guidance.

What is the rate difference between pleasure use and commuting?
Do I have coverage when pulling a U-Haul trailer?
Is business equipment covered while in my vehicle?
Why am I be forced to buy a membership to get insurance from some companies?
Do I need to file an SR-22 for a DUI in my state?
Am I better off with higher deductibles on my 2015 Honda CR-V?
Am I covered if I drive in a foreign country?
How much can I save by bundling my policies?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, bail bonds and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like rehabilitation expenses, prosthetic devices, hospital visits, pain medications and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2015 Honda CR-V.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.