Cheap 2007 Honda CR-V Insurance Rates

Are you overwhelmed by the wide range of auto insurance company choices? Many other consumers are too. You have so many options that it can quickly become a lot of work to find better rates.

Buying car insurance is easy if you know what you’re doing. In a nutshell, everyone who buys car insurance stands a good chance to be able to cut their insurance bill. But car owners benefit from understanding how the larger insurance companies sell online because it can help you find the best coverage.

Compare the Market for Insurance Coverage

All the larger insurance coverage companies such as 21st Century, Allstate and State Farm quote prices online. Obtaining pricing is quite easy as you just type in your required coverages into a form. Behind the scenes, their system gets reports for credit and driving violations and returns a price.

Online price quotes helps simplify price comparisons, but the time it takes to visit several different sites and type in the same information can be a bit repetitive. But it’s very important to perform this step in order to find the best price possible.

Quote rates the easy way

The preferred way to get multiple rate quotes is to use a quote form to return rates from many companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can choose any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To find out how much you’re overpaying now, click here and submit the form. If you currently have coverage, we recommend you type in the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you are getting an apples-to-apples comparison for similar insurance coverage.

Save $428 a year. For real?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise that you can save if you switch to their company. How can each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer could be between 25 and 40, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the requirements will have to pay more money which usually ends up with business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save money. This is how companies can truthfully state the savings. Because of the profiling, drivers must quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Be sure to get all your discounts

Companies offering auto insurance do not list all their discounts very well, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance.

  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for CR-V insurance than drivers with accident claims.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy online.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy for CR-V insurance.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

For a list of insurers offering auto insurance discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might point out whether you might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Does having multiple vehicles earn me a discount?
  • Am I insured when driving a different vehicle?
  • Am I covered when pulling a rental trailer?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will filing a claim cost me more?
  • When can my company non-renew my policy?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverage options for a 2007 Honda CR-V

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2007 Honda CR-V.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, falling objects and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, prosthetic devices, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your CR-V caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical services, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Have money to burn

Consumers change insurance companies for any number of reasons including poor customer service, high rates after DUI convictions, high prices or lack of trust in their agent. Regardless of your reason for switching companies, finding a new company can be less work than you think.

Low-cost 2007 Honda CR-V insurance is definitely available online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

You just read a lot of information how to shop for insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies.

Additional auto insurance information is available on the following sites: