Save on 1998 Honda CR-V Insurance Quotes

Buyers have options when searching for low-cost Honda CR-V insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to compare rates for a new or used Honda and get the lowest possible price.

You should take the time to price shop coverage on a regular basis because prices are constantly changing. Despite the fact that you may have had the best price on CR-V coverage a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

How to Compare Car Insurance Quotes

There are multiple methods to compare 1998 Honda CR-V car insurance prices and some are easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and every company returns a competitive quote based on that information. This prevents consumers from doing quotation requests to each company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to pricing coverage this way is buyers cannot specifically choose which insurance companies you will receive quotes from. If you would rather choose specific insurance companies to compare, we put together a list of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples deductibles and coverage limits on every quote. If you enter different deductibles it will be next to impossible to decipher which rate is best.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specifically requested before you get the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Homeowners Savings – Being a homeowner can help you save on car insurance because owning a home shows financial diligence.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Drive Less and Save – Fewer annual miles on your Honda can qualify you for lower rates on the low mileage vehicles.
New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
No Charge for an Accident – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
Accident Free – Claim-free drivers can earn big discounts when compared to bad drivers.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

To see a list of companies who offer car insurance discounts, click this link.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you will benefit from professional help.

How do I insure my teen driver?
Can I pay claims out-of-pocket if I buy high deductibles?
Should I have combined single limit or split liability limits?
Is upholstery damage covered by car insurance?
When should I buy a commercial auto policy?
Do I pay less if my vehicle is kept in my garage?
Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 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 should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, pain medications, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a deer and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t 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 might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for collisions

This coverage pays for damage to your CR-V resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle, scraping a guard rail, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.