1999 Honda CR-V Insurance Quotes – 6 Tips for Cheapest Rates

Looking for better auto insurance rates for your Honda CR-V? Overpriced Honda CR-V insurance can overdraw your personal savings and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Insurance companies such as Allstate, Progressive and Geico increase brand awareness with TV and radio ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

It’s important to shop coverage around yearly since insurance rates change quite often. Even if you got the lowest rates on CR-V insurance last year you may be paying too much now. Starting now, block out anything you think you know about auto insurance because you’re going to get a crash course in the easiest way to lower your annual insurance bill.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Buying car insurance is not rocket science. But car owners must comprehend how companies compete online.

Pay less by taking advantage of these six discounts

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known as well as the least known discounts you could be receiving.

Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on CR-V insurance than their less cautious counterparts.
Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
Club Memberships – Affiliation with a qualifying organization could trigger savings when shopping for insurance on CR-V insurance.
No Claims – Drivers who don’t have accidents pay less compared to drivers who are more careless.
Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

It’s important to understand that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not be offered in your area.

Is there truth in advertising?

State Farm, Geico and Progressive regularly use ads in print and on television. All the companies have a common claim that you’ll save big if you move your coverage to them. But how can every company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of customer that is profitable for them. An example of a preferred risk might be profiled as between 30 and 50, has no driving citations, and has great credit. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t qualify for the “perfect” profile will have to pay higher prices and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the savings. Because of the profiling, it is so important to compare as many rates as you can. It is impossible to predict the company that will provide you with the cheapest Honda CR-V insurance rates.

Your coverage should be tailored to you

When choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation may require specific advice.

Can I rate high risk drivers on liability-only vehicles?
Does my insurance cover a custom paint job?
When should I buy a commercial auto policy?
Will my vehicle be repaired with OEM or aftermarket parts?
Where can I find high-risk insurance?
Should I buy additional glass protection?
Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, damage from getting keyed, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. 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. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like medical services, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage pays for damage to your CR-V caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, scraping a guard rail, sideswiping another vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Honda CR-V.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like prosthetic devices, chiropractic care, doctor visits, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

The cheapest 1999 Honda CR-V insurance is definitely available on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability coverage limits only to find out they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.