2013 Honda CR-V Car Insurance Rates – 7 Discounts for Cheaper Quotes

Looking for lower car insurance rates for your Honda CR-V? Overwhelmed by the crazy number of car insurance options? Many other consumers are too. Consumers have so many options available that it can quickly become a real challenge to find the best price.

You should take the time to check car insurance prices every six months since insurance rates are usually higher with each renewal. If you had the lowest price on CR-V coverage a year ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. This article will familiarize you with how car insurance quotes work and some tricks to saving. Although drivers do need to know the methods companies use to price insurance differently and use this information to your advantage.

Verify you’re getting all your discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Most are applied at the time you complete a quote, but less common discounts must be inquired about before they will apply.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums on CR-V coverage.

Drivers should understand that most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck. But all discounts will bring down the cost of coverage.

For a list of providers with the best auto insurance discounts, click here to view.

When should I talk to an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out if your situation might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I benefit by insuring my home with the same company?
  • When should I not file a claim?
  • Is my babysitter covered when using my vehicle?
  • Is extra glass coverage worth it?
  • Who is covered by my policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Don’t be fooled by advertising claims

Car insurance companies such as Allstate and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you can save if you change your policy. But how can every company say the same thing?

All companies are able to cherry pick for the right customer that makes them money. For example, a preferred risk could be between 25 and 40, has no prior claims, and has a high credit rating. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who fall outside this ideal profile will be quoted higher prices and this can result in the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save money. This is how companies can truthfully advertise the savings.

This emphasizes why it is so important to compare many company’s rates. You cannot predict which company will fit your personal profile best.

Specific coverage details

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, vandalism, fire damage and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles, medical services and bail bonds. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda CR-V.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This covers damage to your CR-V from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like dental work, pain medications, doctor visits and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

The bottom line

We covered some good ideas how you can compare 2013 Honda CR-V insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small local company.

Lower-priced insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Drivers switch companies for a variety of reasons including poor customer service, delays in paying claims, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is less work than it seems.

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