Find Cheaper Honda CR-V Insurance in Dallas

It’s an obvious conclusion that auto insurance companies want to keep you from comparing rates. People who compare rates at least once a year are likely to buy a different policy because they have a good chance of finding more affordable rates. A study discovered that drivers who made a habit of comparing rates saved about $865 annually as compared to drivers who never shopped around for better prices.

If finding budget-friendly Honda CR-V insurance in Dallas is your ultimate target, then learning about how to get free comparison quotes and analyze auto insurance can help simplify the process.

Insurance for Honda CR-VIf you want to save the most money, the best way to find cheaper prices for auto insurance rates is to make a habit of regularly comparing prices from companies that sell auto insurance in Dallas.

First, spend some time learning about coverages and the factors you can control to lower rates. Many risk factors that result in higher rates like speeding tickets, accidents and an imperfect credit score can be rectified by making small lifestyle or driving habit changes. Continue reading for additional ideas to prevent high rates and find additional discounts you may qualify for.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple companies.

Third, compare the new quotes to your current policy to see if a cheaper price is available in Dallas. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your company or agent to cancel your current auto insurance policy and submit a completed policy application and payment for your new coverage. Once coverage is bound, store the proof of insurance certificate somewhere easily accessible.

A good tip to remember is to compare the same coverage limits and deductibles on every price quote and and to compare as many different companies as possible. Doing this provides a level playing field and a thorough selection of prices.

If you have insurance now, you will most likely be able to find better prices using the techniques presented in this article. This article’s intent is to tell you the most effective ways to compare rates. But Texas drivers can benefit by having an understanding of how insurance companies sell online and use it to your advantage.

Many insurance companies provide coverage price quotes directly from their websites. Getting quotes for Honda CR-V insurance in Dallas doesn’t take a lot of time as you simply enter your required coverages into the quote form. After the form is submitted, their quoting system obtains your driving and credit reports and returns pricing information based on these factors.

Being able to quote online for Honda CR-V insurance in Dallas makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get a better rate.

To quickly find out how much you can save on auto insurance, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you input the coverages as close as possible to your current policy. This ensures you are getting rate comparison quotes using the exact same coverages.

The providers in the list below are ready to provide quotes in Dallas, TX. If more than one company is shown, we recommend you visit as many as you can to get the most affordable price.

Rates and detailed analysis

The price information shown below showcases different insurance prices for Honda CR-V models. Having insight into how insurance rates are calculated is important for making decisions when shopping your coverage around.

Honda CR-V Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $286 $486 $324 $20 $96 $1,212 $101
CR-V EX 2WD $286 $486 $324 $20 $96 $1,212 $101
CR-V LX 4WD $286 $486 $324 $20 $96 $1,212 $101
CR-V EX 4WD $328 $486 $324 $20 $96 $1,254 $105
CR-V EX-L 2WD $328 $486 $324 $20 $96 $1,254 $105
CR-V EX-L 4WD $328 $486 $324 $20 $96 $1,254 $105
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in specific zip code location which can modify premium rates significantly.

Deductible comparison

When buying insurance, a common question is at what level do you set your deductibles. The comparison tables below may aid in understanding the differences in price of buying low and high physical damage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Honda CR-V insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $256 $408 $324 $20 $96 $1,129 $94
CR-V EX 2WD $256 $408 $324 $20 $96 $1,129 $94
CR-V LX 4WD $256 $408 $324 $20 $96 $1,129 $94
CR-V EX 4WD $294 $408 $324 $20 $96 $1,167 $97
CR-V EX-L 2WD $294 $408 $324 $20 $96 $1,167 $97
CR-V EX-L 4WD $294 $408 $324 $20 $96 $1,167 $97
Get Your Own Custom Quote Go

Honda CR-V insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $208 $328 $324 $20 $96 $976 $81
CR-V EX 2WD $208 $328 $324 $20 $96 $976 $81
CR-V LX 4WD $208 $328 $324 $20 $96 $976 $81
CR-V EX 4WD $240 $328 $324 $20 $96 $1,008 $84
CR-V EX-L 2WD $240 $328 $324 $20 $96 $1,008 $84
CR-V EX-L 4WD $240 $328 $324 $20 $96 $1,008 $84
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can decrease or increase price quotes greatly.

Based on the figures above, using a $250 deductible will cost you about $13 more each month or $156 a year than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 19 months between claim filings, you would come out ahead if you choose the higher deductible.

The example below shows how different deductible levels and can impact Honda CR-V insurance costs for each age group. The premiums are based on a married male driver, comp and collision included, and no other discounts are factored in.

Poor driving habits will raise your insurance rates

The information below shows how violations and accident claims can raise Honda CR-V premium costs for different age categories. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Honda CR-V liability-only versus full coverage

The chart below illustrates the comparison of Honda CR-V insurance prices when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no policy discounts are applied.

When to drop comprehensive and collision

There isn’t a steadfast formula to delete full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Honda CR-V replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually to have full coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Learn How to Find Car Insurance Cheaper

Consumers need to have an understanding of the different types of things that come into play when calculating the level of your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find lower car insurance prices.

The itemized list below are some of the things used by companies to determine your rate level.

It may be expensive, but it’s not optional

Despite the potentially high cost of Honda CR-V insurance, maintaining insurance may be mandatory for several reasons.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. But the average driver in Texas is currently overpaying as much as $810 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.