Cheap 2004 Honda CR-V Insurance Quotes

I can’t think of a single person who cherishes buying insurance, especially when the cost is way too high. Since consumers have many insurance companies to choose from, it’s difficult to locate the right insurance company.

Compare the Market for Insurance Coverage

All major insurance coverage companies such as State Farm, Geico and Progressive quote coverage price quotes online. Getting online rates is fairly straightforward as you just type in your personal and coverage information into a form. Behind the scenes, the company’s rating system automatically orders information on your driving record and credit history and provides a quote determined by many factors. This streamlines rate comparisons, but the process of having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to perform this step in order to get a lower rate.

An easier way to locate the lowest prices makes use of a single form to return rates from a lot of companies. It saves time, requires much less work on your part, and makes quoting online a lot less work. As soon as the form is sent, your coverage is rated and you are able to buy any one of the quote results.

If a lower price is quoted, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter your coverages as shown on your current policy. This ensures you will have a fair comparison for the exact same coverage.

Save with discounts on 2004 Honda CR-V insurance

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be manually applied before they will apply. If you’re not getting every credit you deserve, you are throwing money away.

  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on CR-V insurance.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Accident Free – Claim-free drivers pay less compared to frequent claim filers.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, you’re out of luck. But any discount will help reduce your overall premium however.

To see a list of providers with the best insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if you might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Is my state a no-fault state?
  • Am I covered if I drive in a foreign country?
  • Is a fancy paint job covered?
  • Do I need added coverage for expensive stereo equipment?
  • Can I make deliveries for my home business?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is an SR-22 filing?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Impacting insurance rates for a Honda CR-V

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with big savings.

The list below includes some of the items that factor into rates.

  • Credit scores impact insurance coverage rates – Having a bad credit score is a large factor in determining what you pay for insurance coverage. People with high credit scores tend to be more responsible than drivers with lower credit ratings. If your credit history is low, you could pay less to insure your 2004 Honda CR-V by repairing your credit.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Liability insurance protects assets – Liability coverage will protect you if you are found liable for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • An active claims history can cost you – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies provide cheaper rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Discounts for married couples – Having a spouse helps lower the price on your policy. It usually means you are more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Proper usage rating affects rates – Driving more miles in a year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance coverage coverage properly reflects the proper vehicle usage, because it can save money. If your policy improperly rates your CR-V may be costing you.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings by State Farm, Geico and Progressive. All the ads make the same claim that you can save after switching to their company.

But how can every company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver they prefer to insure. A good example of a driver they prefer could possibly be over the age of 50, has no prior claims, and has a short commute. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile will have to pay higher premiums which usually ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can claim big savings.

Because of the profiling, it is so important to get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Honda CR-V insurance.

Auto insurance coverage considerations

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, a broken windshield, theft, rock chips in glass and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Coverage for collisions

This will pay to fix damage to your CR-V caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

The cheapest 2004 Honda CR-V insurance can be found from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford.

Additional car insurance information is located at the links below