The most effective way to save on Honda CR-V insurance in Mesa is to compare prices annually from companies who provide car insurance in Arizona. Rates can be compared by following these guidelines.
- Step 1: Read and learn about auto insurance and the steps you can take to prevent expensive coverage. Many factors that drive up the price like at-fault accidents, speeding tickets, and a negative credit history can be remedied by paying attention to minor details.
- Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple insurance companies.
- Step 3: Compare the new quotes to the premium of your current policy and see if you can save money. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
- Step 4: Notify your agent or company of your decision to cancel your current policy. Submit a down payment and signed policy application to your new insurance company. Once the application is submitted, place the new proof of insurance paperwork in an easily accessible location in your vehicle.
One piece of advice is that you’ll want to make sure you compare identical coverage information on every price quote and and to get rates from as many companies as possible. Doing this guarantees a level playing field and the best rate selection.
It’s safe to conclude that insurance companies don’t want policyholders to shop around. People who shop around for better prices are very likely to move their business because there is a good chance of finding a policy with better rates. A recent auto insurance study revealed that people who compared prices once a year saved on average $865 annually as compared to drivers who never shopped around for better prices.
If finding discount rates on Honda CR-V insurance is your intention, understanding the best ways to shop for coverages can save time and money.
If you have insurance now, you will surely be able to find better prices using this strategy. Quoting and comparing rates for the best insurance policy in Mesa is not as difficult as people think. But Arizona car owners do need to know how insurance companies sell insurance online and use this information to your advantage.
Honda CR-V Insurance Prices Can Be More Affordable
Part of the car insurance buying process is learning some of the factors that help calculate your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may result in cheaper rates. Lots of factors are considered when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are less apparent like where you live and annual miles driven.
Commute or pleasure use – The higher the miles on your Honda annually the higher your rate. Most companies calculate prices based upon how you use the vehicle. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your CR-V can result in significantly higher rates. It’s a smart idea to ensure your car insurance coverage shows annual mileage.
Car insurance rates and your employer – Jobs such as military personnel, architects, and stock brokers tend to pay the highest average rates attributed to high stress levels and long work days. Conversely, jobs such as scientists, athletes and retirees receive lower rates.
Does auto insurance cost more for men? – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Both genders are in fender benders in similar percentages, but the males have costlier accidents. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
The diagram below shows the comparison of Honda CR-V insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Low coverage deductibles can be expensive – The deductibles you choose are the amount of money the insured will be required to pay if the claim is covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more damage repair cost you’re willing to pay, the lower your rates will be.
Filing insurance claims can cost more – Auto insurance companies in Arizona provide lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for larger claims.
Loss probability for a Honda CR-V – Insurers factor in historical loss data when setting premium rates. Vehicles that are shown to have a trend towards higher claim severity or frequency will cost more to insure. The table below outlines the historical insurance loss data for Honda CR-V vehicles.
For each coverage type, the claim amount for all vehicles compiled together is considered to be 100. Values that are below 100 mean the vehicle has better than average losses, while values over 100 indicate more frequent losses or larger claims.
|Make and 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|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Most major insurance companies like State Farm and Allstate give prices for coverage online. Comparing Honda CR-V insurance rates online is quite easy because you just enter your coverage information into a form. Once entered, their rating system automatically orders information on your driving record and credit history and generates a price.
Getting online rate quotes for Honda CR-V insurance in Mesa makes it simple to compare prices and it’s very important to do this if you are searching for a better rate.
To quickly find out how much you can save on insurance, compare rates now from the companies shown below. If you have your current policy handy, we recommend you input the coverages just like they are on your policy. This helps ensure you will be getting a rate comparison for the exact same coverage.
The providers in the list below have been selected to offer free quotes in Arizona. If multiple companies are listed, we suggest you get rates from several of them in order to get a fair rate comparison.
Rates and information analytics
The rate table shown next highlights different coverage prices for Honda CR-V models. Being able to understand how insurance premiums are established can be useful when making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$138||$248||$344||$20||$102||$852||$71|
|CR-V EX 2WD||$138||$248||$344||$20||$102||$852||$71|
|CR-V LX 4WD||$138||$248||$344||$20||$102||$852||$71|
|CR-V EX 4WD||$158||$248||$344||$20||$102||$872||$73|
|CR-V EX-L 2WD||$158||$248||$344||$20||$102||$872||$73|
|CR-V EX-L 4WD||$158||$248||$344||$20||$102||$872||$73|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can revise coverage rates considerably.
The example below highlights how deductible choice and can increase or decrease Honda CR-V annual premium costs for different ages of insureds. The rate quotes are based on a single female driver, full coverage, and no additional discounts are factored in.
Does full coverage make sense?
The information below shows the difference between Honda CR-V annual premium costs with liability coverage only compared to full coverage. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There isn’t a steadfast formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Honda CR-V book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If you are paying in excess of $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Three reasons insurance is important
Despite the high cost of buying insurance for a Honda CR-V in Mesa, insuring your vehicle may be required and benefits you in several ways.
First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your CR-V, most banks will make it mandatory that you have full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Honda at a more expensive rate and require you to fork over for the expensive policy.
Third, insurance safeguards both your assets and your Honda CR-V. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If your Honda gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. Today the average American driver is wasting up to $869 every year so you should quote your policy with other companies every year to be sure current rates are still competitive.
Save a ton with discounts
The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even know about. Many discounts should be triggered when you purchase, but once in a while a discount must be asked about in order for you to get them.
- Passenger Safety Discount – Options like air bags can get savings of 20% or more.
- New Car Discount – Buying a new car instead of a used CR-V can save up to 30% due to better safety requirements for newer models.
- Bundled Policy Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
- Good Student – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
- Own a Home – Being a homeowner can get you a discount since owning and maintaining a home requires a higher level of personal finance.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more on CR-V insurance in Mesa.
Keep in mind that most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will reduce your premiums.
The example below shows the comparison of Honda CR-V insurance premiums with and without some available policy discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.
Popular insurance companies and a summarized list of policyholder discounts can be read below.
- State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, good driver, driver’s education, multiple policy, and Drive Safe & Save.
- GEICO offers discounts for good student, driver training, multi-vehicle, air bags, and federal employee.
- Liberty Mutual offers discounts including multi-policy, multi-car, hybrid vehicle, good student, newly retired, and new graduate.
- The Hartford has discounts for air bag, defensive driver, anti-theft, good student, bundle, vehicle fuel type, and driver training.
- MetLife offers premium reductions for accident-free, multi-policy, good driver, defensive driver, claim-free, and good student.
- Progressive discounts include multi-vehicle, good student, homeowner, multi-policy, online signing, and online quote discount.
When quoting, ask every company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in your state. To locate insurers who offer free Honda CR-V insurance quotes in Mesa, click here.
Local Mesa insurance agencies and insurance
A small number of people still prefer to get advice from a local agent and doing so can bring peace of mind The biggest benefit of getting free rate quotes online is that you can find the best rates and still choose a local agent. And providing support for neighborhood insurance agencies is still important in Mesa.
After completing this quick form, your information is submitted to agents in your area that give free quotes for your business. You won’t need to leave your house due to the fact that quote results will go to your email. You can get cheaper insurance rates without having to waste a lot of time. In the event you want to compare prices from a specific company, you just need to visit that company’s website and complete a quote there.
Two different types of car insurance agents
When researching a local insurance agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Insurance policy providers are categorized either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Independent agencies are not limited to a single company and that gives them the ability to insure through many companies and find you cheaper rates. If you want to switch companies, your policy is moved internally which is easy for the insured. When shopping rates, you will definitely want to get some free quotes from several independent insurance agents to maximize your price options. Many write coverage with different regional companies that may have much lower rates than larger companies.
Shown below are Mesa independent insurance agencies that can give you free price quotes.
- Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
- Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map
- Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training in insurance sales which helps offset the inability to provide other markets. Consumers frequently use the same agent mostly because of loyalty to the company and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Mesa willing to provide price quotes.
- Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
- Allstate Insurance: Wayne Smith
1901 E University Dr Ste 301 – Mesa, AZ 85203 – (480) 464-8766 – View Map
- State Farm : Mike Wilson
1046 E McKellips Rd – Mesa, AZ 85203 – (480) 926-0388 – View Map
Selecting an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- Is the agency involved in supporting local community causes?
- What are their preferred companies if they are an independent agency?
- How long have they been in business?
- How many companies do they write for?
- Are they involved in claim handling?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- When do they do a full risk review?
Once you have received good responses to all your questions as well as a price you’re happy with, most likely you have located an insurance agent that is reliable enough to insure your vehicles. Just understand that it’s your policy and you can cancel coverage whenever you want so don’t think you are locked into any specific agency for the full term.
What insurance coverages do I need?
Always keep in mind that when comparing insurance from an agent or online for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that.
Here are some questions about coverages that might point out whether your personal situation may require specific advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- When should I drop full coverage on my Honda CR-V?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I hit someone who is not insured?
- Does coverage extend to Mexico or Canada?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.
Quote. Compare. Save.
Cheaper Honda CR-V insurance in Mesa can be found on the web as well as from independent agents in Mesa, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and usually these smaller providers provide coverage only through local independent agencies.
You just read a lot of information how to reduce Honda CR-V insurance premium rates online in Mesa. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding the cheapest Honda CR-V rate quotes. You may even be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.
Additional information is available on the following sites:
- Tools for Teen Driving Safety (State Farm)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- What Auto Insurance is Cheapest for 4×4 Vehicles in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Quotes for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)