2004 Honda CR-V Insurance Quotes

Price shopping your auto insurance is nearly impossible for people who are new to buying insurance online. People have so many choices that it can quickly become a real hassle to compare prices.

If you currently have car insurance, you will most likely be able to save some money using these methods. Finding affordable coverage is simple if you know the tricks. But consumers must know how companies sell insurance online and take advantage of how the system works.

Insurance Comparisons

To find the best insurance prices, there are several ways of comparing rates from local insurance companies. The easiest way to find the cheapest 2004 Honda CR-V insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

1. One of the best ways to find low rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from several companies.It’s the quickest way to get rates.
2. A more time consuming way to obtain and compare quotes online consists of visiting the website of each company to complete their respective quote request forms. For instance, let’s assume you want to compare State Farm, Geico and Progressive. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The most time-consuming way of comparing rate quotes is to spend time driving to different agent offices. Buying insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. It is possible to comparison shop online and still use a local agent. We’ll cover that shortly.

However you get your quotes, be sure to compare exactly the same deductibles and coverage limits for each price quote. If you compare different values for each quote it will be next to impossible to determine which rate is truly the best. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies gives you a better chance of getting lower pricing.

Discounts can save BIG

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings.

• Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for CR-V insurance than drivers with accidents.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
• Resident Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
• Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. But any discount will bring down the cost of coverage.

For a list of insurance companies with discount auto insurance rates, click here to view.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine if you could use an agent’s help.

• Do I pay less if my vehicle is kept in my garage?
• Where can I find high-risk insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Do I need rental car coverage?
• Does my insurance cover my expensive audio equipment?
• What is medical payments coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda CR-V.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, chiropractic care, pain medications and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by 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. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, attorney fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, backing into a parked car, crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.