Do you want to learn to get cheaper Honda CR-V insurance in San Francisco? Locating cheaper insurance for a new or used Honda CR-V in California can be a painful process, but you can learn a few tricks to save time.
There are more efficient ways to buy auto insurance so you're going to learn the proper way to quote coverages for a new or used Honda and locate the lowest possible price from both online companies and San Francisco agents.
It's important to do rate comparisons before your policy renews since insurance prices change frequently. Despite the fact that you may have had the best quotes on Honda CR-V insurance in San Francisco a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to learn the easiest way to properly buy coverages while reducing your premium.
If you're already insured or need a new policy, use these techniques to find the best rates without reducing protection. Quoting and buying affordable insurance coverage in San Francisco is not as difficult as people think. Smart buyers just need to learn the most time-saving way to compare rates online.
The following companies can provide comparison quotes in California. If you wish to find cheap car insurance in California, it's highly recommended you visit as many as you can to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$378||$564||$492||$30||$148||$1,612||$134|
|CR-V EX 2WD||$208||$392||$424||$26||$128||$1,178||$98|
|CR-V LX 4WD||$256||$464||$424||$26||$128||$1,298||$108|
|CR-V EX 4WD||$294||$488||$424||$26||$128||$1,360||$113|
|CR-V EX-L 2WD||$210||$298||$376||$22||$112||$1,018||$85|
|CR-V EX-L 4WD||$162||$246||$354||$20||$106||$888||$74|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific location information which can revise coverage prices significantly.
Higher deductibles lower rates
The illustration below illustrates how your deductible choice and can increase or decrease Honda CR-V insurance prices for different age categories. The data is based on a single female driver, full coverage, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The illustration below visualizes the comparison of Honda CR-V auto insurance rates with full coverage and liability only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no discounts are applied.
Should you be buying full coverage?
There is no specific rule of when to eliminate comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let's pretend your Honda CR-V claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying over $800 a year for your policy with full coverage, then you might consider buying liability only.
There are a few cases where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Discount San Francisco insurance quotes
Insurance is expensive, but there's a good chance there are discounts that many people don't even know exist. Some discounts apply automatically when you complete an application, but some need to be asked about before you will receive the discount. If you do not check that you are getting every discount you deserve, you're just leaving money on the table.
- Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
- Student Discount for Driver Training - It's a good idea to have your young drivers enroll in driver's education in high school.
- Discount for Multiple Policies - If you combine your home and auto policies with the same insurance company you may save nearly 15% which can help you find cheaper CR-V insurance.
- Full Payment Discount - By making one initial payment rather than paying monthly you could save up to 5%.
- Renewal Discounts - A few insurance companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you aren't that lucky.
Companies and the discounts they provide can be found below.
- State Farm has discounts for defensive driving training, driver's education, accident-free, good student, good driver, safe vehicle, and student away at school.
- GEICO may offer discounts for emergency military deployment, daytime running lights, military active duty, five-year accident-free, multi-policy, and good student.
- Liberty Mutual has savings for multi-car, teen driver discount, exclusive group savings, preferred payment discount, good student, newly retired, and new move discount.
- The Hartford offers discounts for anti-theft, driver training, bundle, vehicle fuel type, air bag, good student, and defensive driver.
- MetLife may have discounts that include multi-policy, defensive driver, claim-free, accident-free, good student, good driver
- Progressive discounts include online quote discount, good student, multi-policy, online signing, and multi-vehicle.
When quoting, ask each insurance company which discounts can lower your rates. Savings may not apply in San Francisco.
Informed Consumers Can Cut Insurance Costs
Many different elements are used in the calculation when premium rates are determined. A few of the factors are predictable like your driving record, although some other factors are not as apparent such as your credit history or your financial responsibility.
The factors shown below are a few of the things companies use to determine prices.
Insurance costs and driver gender - Statistics demonstrate females are less aggressive when driving. That doesn't necessarily mean that males are worse at driving than females. Men and women cause auto accidents in similar numbers, but guys have costlier accidents. Men also statistically receive more major tickets like reckless driving and DUI. Male teenagers are the most expensive to insure and are penalized with high car insurance rates.
Single drivers take more risk - Having a significant other helps lower the price when buying car insurance. Having a spouse demonstrates that you tend to be more stable financially and statistics prove being married results in fewer claims.
More performance means more cost - The performance level of the car or truck you are insuring makes a big difference in your car insurance bill. The most favorable rates are generally reserved for small economy passenger cars, but there are many factors that impact the final cost. Since the Honda CR-V is classified as a standard SUV, rates will be slightly more as compared to the average rate in San Francisco.
Bundle policies and save money - Lots of car insurance companies will give better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to get quotes from other companies to help guarantee you have the best rates.
Teen drivers pay more - Mature drivers have been proven to be more responsible, are lower risk to insure, and get fewer tickets.Teen drivers are statistically shown to be less responsible behind the wheel therefore car insurance rates are much higher.
Honda CR-V historical loss data - Auto insurance companies use statistical claims data to help determine costs. Models that the statistics show to have high amounts or severity of claims will cost more for coverage. The information below illustrates the insurance loss data for Honda CR-V vehicles.
For each insurance policy coverage type, the claim probability for all vehicles compiled together is considered to be 100. Percentage values below 100 indicate better than average losses, while numbers that are greater than 100 point to more claims or tendancy to have higher losses.
Honda CR-V Insurance Loss Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda CR-V 4dr 2WD||68||81||58||93||86||77|
|Honda CR-V 4dr 4WD||69||82||69||90||87||78|
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance agents can find coverage gaps
Many people would rather go talk to an agent and we recommend doing that Experienced insurance agents are trained risk managers and will help you if you have claims. A good thing about comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and also buy local. And buying from neighborhood insurance agencies is important especially in San Francisco.
For easy comparison, once you complete this form (opens in new window), your information is emailed to local insurance agents in San Francisco that can provide free San Francisco auto insurance quotes for your car insurance coverage. You don't have to search for an agent since price quotes are sent to you. If for some reason you want to compare rates from a specific insurance company, feel free to search and find their rate quote page and complete a quote there.
Finding a good insurer needs to be determined by more than just the price. These questions are important to ask:
- Is insurance their full-time profession?
- How does the company pay claims for a total loss?
- Do they feel the quoted coverages are adequate?
- How much training do they have in personal risk management?
- If independent agents, which companies do they recommend?
- Does the agency have a current Errors and Omissions policy?
- Do they write coverage based solely on cost?
Which is the best insurance?
Always keep in mind that when comparing coverage, there really isn't a one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine if you might need professional guidance.
- Which companies are cheaper for teen drivers?
- Why do I have to buy liability insurance?
- Am I covered while delivering pizza?
- Do I pay less for low miles?
- Where can I find DUI or SR-22 insurance?
- What is roadside assistance coverage?
- What happens if I owe more than my Honda CR-V is worth?
- Should I buy full coverage?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Do you really save 40% when you switch?
California consumers can't get away from ads that claim the cheapest premium rates by Allstate, GEICO and Progressive. All the companies convey the message that you can save if you just switch to their company.
Is it even possible that every company can cost less than your current company? It's all in the words they use.
All the different companies have a certain "appetite" for the type of insured that will be a good risk. One example of a preferred risk may need to be over the age of 35, is a homeowner, and drives less than 5,000 miles a year. A driver who matches those parameters will most likely get cheap prices as well as save some money.
Insureds who are not a match for the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say "people who switch" not "everybody who quotes" save that much money. That's the way companies can truthfully make those statements.
This illustrates why you really need to get as many free San Francisco auto insurance quotes as possible. Because you cannot predict which auto insurance company will have the lowest Honda CR-V insurance in San Francisco.
In this article, we covered some good ideas how you can reduce Honda CR-V insurance prices online in San Francisco. It's most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper San Francisco auto insurance quotes. You may even be surprised to find that the best price on auto insurance is with a small local company. Smaller companies often have lower rates on specific markets compared to the large companies like Allstate and Progressive.
Cheaper Honda CR-V insurance in San Francisco can be found online in addition to many San Francisco insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and these regional insurance providers only sell coverage through independent insurance agents.
More detailed auto insurance information can be read in the articles below:
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much is Car Insurance for Drivers Over Age 70 in California? (FAQ)
- Who Has Affordable California Car Insurance Rates for Handicapped Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Journey in California? (FAQ)
- Who Has Cheap California Auto Insurance for a 20 Year Old Female? (FAQ)
- Which Company has the Cheapest Auto Insurance in Stockton, California? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Auto Insurance Learning Center (State Farm)
- Frontal Crash Tests (iihs.org)
- Understanding Car Crashes Video (iihs.org)