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Honda CR-V Insurance Rates

Finding cheaper car insurance by getting online quotes can be fast and easy, in addition you will probably save money. The most important part is to take the time to get rates from all providers in order to have the cheapest rate quotes.

If you are a novice to online car insurance shopping, you may be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The recommended way to compare Honda CR-V insurance cost is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Honda CR-V can vary widely depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. Models that are a few years old have a much lower replacement value so the costs to repair may result in lower rates. But new Honda models may have options including anti-lock brakes, adaptive headlights, and adaptive cruise control which can lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability - This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Honda CR-V Insurance Rates?