2017 Honda CR-V Insurance Rates

Want cheaper insurance coverage rates for your Honda CR-V? Nobody that owns a car looks forward to buying insurance coverage, in particular when they could find better rates elsewhere. Big companies like Geico and Progressive all promote huge savings with ads and it can be hard to see past the corporate glitz and find the best price available.

You need to check insurance coverage prices every six months since prices fluctuate regularly. Even if you got the best price for CR-V insurance six months ago there is a good chance you can find better rates now. There is too much inaccurate information about insurance coverage out there, but you can learn some of the best techniques to quit paying high insurance coverage rates.

Insurance quotes comparison

There are multiple methods you can shop for insurance but there is one way that is less time-consuming than others. You could waste time driving to insurance agencies in your area, or you could use online quotes for quick rates.

Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and each company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to every company.

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The one disadvantage to using this type of form is that you can’t choose which carriers to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of low cost insurance companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare the exact same information with every price quote. If you use different values for each quote it will be next to impossible to determine the best price for your Honda CR-V.

Discounts to earn affordable auto insurance rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you get a quote, but lesser-known reductions have to be specifically requested before being credited. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Early Switch Discount – A few auto insurance companies allow discounts for buying a policy before your current coverage expires. Ten percent is about the average savings.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for CR-V insurance than their less cautious counterparts.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can get better auto insurance rates for CR-V insurance.
  • Military Rewards – Being deployed in the military could mean lower auto insurance rates.
  • Telematics Discount – Policyholders that allow their company to monitor driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off PIP or medical payments premium.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The best auto insurance companies and some of the discounts are:

  • Progressive offers discounts including homeowner, continuous coverage, online signing, multi-policy, good student, and online quote discount.
  • MetLife offers discounts for claim-free, multi-policy, good driver, defensive driver, and good student.
  • Mercury Insurance may have discounts that include multi-car, accident-free, age of vehicle, location of vehicle, and ease of repair.
  • Nationwide offers premium reductions for family plan, multi-policy, good student, defensive driving, business or organization, anti-theft, and Farm Bureau membership.
  • Geico may include discounts for federal employee, good student, multi-vehicle, driver training, and daytime running lights.
  • AAA has discounts for good driver, pay-in-full, good student, anti-theft, AAA membership discount, multi-car, and multi-policy.

Before buying, ask each insurance company which discounts they offer. Discounts might not be available to policyholders in your area. To view companies with the best auto insurance discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions might point out if you might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • Is a blown tire covered by insurance?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when pulling a rental trailer?
  • Should I get collision insurance on every vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • I don’t drive much so do I pay less?
  • Who is covered when they drive my 2017 Honda CR-V?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Cut insurance costs with these tips

It’s important that you understand the factors that are used to determine your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower insurance coverage prices. Many different elements are considered when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are less obvious such as your marital status and annual miles driven.

The items below are some of the most rate-impacting factors used by your company to calculate rates.

  • Big cities have higher prices – Residing in a rural area has definite advantages when shopping for auto insurance. Residents of big cities tend to have more road rage incidents and longer commutes to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Teenagers vs. experienced drivers – Drivers with little experience have been known to be careless and easily distracted in a vehicle so insurance coverage rates are higher. If you’ve ever had to add a teen driver onto a policy can be quite pricey. Older drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.
  • Gender impacts prices – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause fender benders at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations such as reckless driving.
  • Save by driving less – The higher the miles on your Honda in a year the higher the price you pay to insure it. Almost all companies charge rates partially by how you use the vehicle. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your CR-V is throwing money out the window. It’s a good idea to make sure your insurance coverage policy properly reflects the correct usage, because it can save money.

Advertising and insurance

Drivers can’t ignore all the ads for cheaper insurance by companies like Progressive, Geico, Allstate and State Farm. All the companies try to convey promises that you’ll save big if you get a free insurance coverage quote and switch your policy.

How does every company sell you cheaper insurance coverage? This is the way they can do it.

Most companies require specific criteria for the type of driver that is profitable for them. For example, a profitable risk profile might be described as a married female, has never had a claim, and drives less than 7,500 miles a year. Anyone who matches those parameters will probably get cheap prices and will save money with a new company.

People who are not a match for this stringent profile must pay a more expensive rate and this can result in the customer not purchasing. The trick companies use is to say “drivers that switch” not “all people who quote” save that much. That is how companies can make those claims.

Because every company is different, drivers must get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will have the lowest rates.

Information about specific coverages

Knowing the specifics of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, pain and suffering, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2017 Honda CR-V.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for doctor visits, dental work, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your CR-V resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, damaging your car on a curb, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, vandalism, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

The bottom line

As you quote insurance coverage, never sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented quite a bit of information on how to lower your 2017 Honda CR-V insurance prices. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. You may even find the most savings is with a smaller regional carrier. They may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

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