Compare Honda CR-V Insurance Quotes in Sacramento

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It's a fact that auto insurance companies don't want policyholders to compare prices from other companies. Consumers who compare price quotes will most likely switch companies because of the good chance of finding a cheaper policy. A study discovered that consumers who compared rates regularly saved over $865 a year compared to policyholders who never compared rates.

If finding the lowest price for insurance is why you're here, then having a grasp of the best way to shop and compare insurance can help make the process easier and more efficient.

Insurance rates Honda CR-V in SacramentoTo save the most money, the best way to get low-cost Honda CR-V insurance in Sacramento is to start comparing rates regularly from providers in California.

  • Step 1: Spend a few minutes and learn about coverages and the things you can control to keep rates low. Many policy risk factors that result in higher prices like your driving record and a poor credit rating can be eliminated by being financially responsible and driving safely. Later in this article we will cover tips to get cheaper coverage and find more discounts that you may not know about.
  • Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies.
  • Step 3: Compare the new quotes to your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  • Step 4: Tell your current agent or company of your intent to cancel your current coverage and submit payment along with a signed and completed policy application for the new policy. Once the application is submitted, keep the new certificate of insurance in your vehicle.

The key thing to remember is to try to use identical deductibles and limits on every quote and to quote with as many carriers as you can. This ensures an apples-to-apples comparison and a thorough price selection.

Choosing the most cost-effective car insurance policy in Sacramento seems hard but is not really that difficult. If you're already insured or are looking for a new policy, use these tips to save money and still get good coverage. Comparison shoppers just need to understand the tricks to compare rates online.

Most major insurance companies like State Farm, GEICO and Progressive make it easy to get coverage prices on their websites. Getting Honda CR-V insurance prices online is quite easy as you just type in the coverages you want into the form. Upon sending the form, their rating system makes automated requests for information on your driving record and credit history and returns pricing information based on the information you submitted. This simplifies rate comparisons, and it's also necessary to get many rate quotes if you want to find a lower rate.

To save time and find out how much you can save on insurance, compare rates now from the companies shown below. If you have a policy now, it's recommended you copy the insurance coverages just like they are on your policy. This way, you will have a fair comparison for exact coverage.

The following companies offer comparison quotes in Sacramento, CA. If your goal is to find cheap car insurance in CA, we recommend you visit as many as you can in order to get a fair rate comparison.

Three reasons car insurance is important

Despite the potentially high cost of Honda CR-V insurance, insurance serves an important purpose.

  • The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Honda has a loan, more than likely the lender will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Honda at a significantly higher premium and force you to reimburse them much more than you were paying before.
  • Car insurance preserves both your assets and your Honda. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in California is overpaying over $850 per year so it's important to compare rates once a year at a minimum to help ensure money is not being wasted.

Analysis of coverages

The premium table shown below outlines detailed analysis of insurance policy prices for Honda CR-V models. Being able to understand how insurance prices are calculated can assist in making informed decisions.

Honda CR-V Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $284 $554 $424 $26 $128 $1,416 $118
CR-V EX 2WD $284 $554 $424 $26 $128 $1,416 $118
CR-V LX 4WD $284 $554 $424 $26 $128 $1,416 $118
CR-V EX 4WD $326 $554 $424 $26 $128 $1,458 $122
CR-V EX-L 2WD $326 $554 $424 $26 $128 $1,458 $122
CR-V EX-L 4WD $326 $554 $424 $26 $128 $1,458 $122
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can revise premiums substantially.

Should you raise deductibles?

When buying auto insurance, a common question is where should you set your physical damage deductibles. The following tables can help you understand the difference in cost between low and high comp and collision deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Honda CR-V insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $332 $564 $376 $22 $112 $1,431 $119
CR-V EX 2WD $332 $564 $376 $22 $112 $1,431 $119
CR-V LX 4WD $332 $564 $376 $22 $112 $1,431 $119
CR-V EX 4WD $380 $564 $376 $22 $112 $1,479 $123
CR-V EX-L 2WD $380 $564 $376 $22 $112 $1,479 $123
CR-V EX-L 4WD $380 $564 $376 $22 $112 $1,479 $123
Get Your Own Custom Quote Go
Honda CR-V insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $184 $298 $376 $22 $112 $992 $83
CR-V EX 2WD $184 $298 $376 $22 $112 $992 $83
CR-V LX 4WD $184 $298 $376 $22 $112 $992 $83
CR-V EX 4WD $210 $298 $376 $22 $112 $1,018 $85
CR-V EX-L 2WD $210 $298 $376 $22 $112 $1,018 $85
CR-V EX-L 4WD $210 $298 $376 $22 $112 $1,018 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in vehicle location which can modify rates noticeably.

We can estimate from the data above that using a $100 deductible costs roughly $37 more each month or $444 a year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 24 months between claim filings, you would probably be better off if you choose the higher deductible.

Gender-based auto insurance premiums in Sacramento

The information below illustrates the difference between Honda CR-V car insurance rates for male and female drivers. The premiums assume a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

Get cheaper rates with discounts

Car insurance companies don't necessarily list every possible discount very clearly, so we break down a few of the more common and also the more inconspicuous credits available to bring down your rates.Cheaper auto insurance with discounts

  • Renewal Discounts - A few insurance companies allow discounts for buying a new policy before your current CR-V insurance policy expires. This discount can save up to 10%.
  • Resident Student - Any of your kids who are attending college without a vehicle on campus may be insured at a cheaper rate.
  • Own a Home and Save - Owning a home in Sacramento can save you money because it demonstrates responsibility.
  • Anti-theft System - Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Life Insurance - Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.
  • Paperless Signup - Some of the larger companies provide a small discount for buying a policy and signing up over the internet.
  • Low Mileage Discounts - Keeping the miles down on your Honda can qualify you for slightly better auto insurance rates than normal.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, auto insurance companies aren't that generous.

The chart below compares Honda CR-V insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.

Auto insurance companies that may include most of the discounts above include:

When quoting, ask every prospective company which discounts can lower your rates. Discounts might not be available to policyholders everywhere. To choose insurance companies who offer auto insurance discounts in Sacramento, follow this link.

Compare rate quotes but buy from a local Sacramento insurance agency

Many drivers prefer to buy from a local agent and that is not a bad decision Professional agents can help you build your policy and help you file claims. One of the great benefits of comparing rates online is the fact that you can find better rates and still have a local agent.

Find insurance agent in SacramentoAfter completing this quick form, your insurance coverage information is immediately sent to participating agents in Sacramento who want to provide quotes to get your business. You won't even need to search for an agent because quoted prices will be sent directly to your email. If for some reason you want to get a rate quote from a specific insurance company, feel free to go to their quote page and submit a quote form there.

Picking the best insurance company needs to be determined by more than just the bottom line cost. The following questions are important to ask.

  • Do they regularly work with personal auto policies in Sacramento?
  • Will you work with the agent or an assistant?
  • Do they offer rental car reimbursement?
  • Is there a local claims center in Sacramento?
  • Will the agent help in case of a claim?
  • How many years of experience in personal auto insurance do they have?
  • If you have an accident, will your rates go up?

Tailor your insurance coverage to you

When quoting and choosing your policy, there is no "perfect" insurance plan. Your financial needs are unique and your insurance should unique, too.Safe vehicles cost less to insure For instance, these questions might point out if your situation might need an agent's assistance.

  • Is business property covered if stolen from my car?
  • Should I waive the damage coverage when renting a car?
  • What if a claim settlement is too low?
  • Should I buy full coverage?
  • Is my custom stereo system covered?
  • Are my friends covered when driving my Honda CR-V?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when pulling a U-Haul trailer?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Frequent quotes can save

There are still a few companies who may not have online quoting and most of the time these small, regional companies work with independent insurance agencies. Cost effective Honda CR-V insurance can be sourced both online and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage only to discover later they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at the best possible price, but don't skip important coverages to save money.

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