Insurance rates Honda CR-V in EvansvilleLocating the cheapest insurance for a new or used Honda CR-V in Indiana can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare auto insurance rates so you're going to learn the quickest way to price shop coverage for a Honda and locate the lowest possible price from both online companies and Evansville agents.

Astonishing but true, most drivers renewed their policy with the same company for four years or more, and virtually 40% of consumers have never taken the time to shop around. Most drivers in Indiana could save themselves 55% a year just by shopping around, but most undervalue the large savings they would see if they changed companies.

Finding the cheapest auto insurance coverage in Evansville can be easy if you know a few tricks. If you are already insured or need a new policy, use these tips to reduce the price you pay and still have adequate protection. Drivers just have to use the fastest way to compare rates online.

All the larger insurance companies such as GEICO, State Farm and Progressive provide prices direct online. Doing online price comparisons for Honda CR-V insurance in Evansville doesn't take a lot of time as you just enter the amount of coverage you want into the form. Once entered, the quote system will obtain reports for credit and driving violations and gives you a price quote based on many factors.

Using the web to get quotes for Honda CR-V insurance in Evansville makes it a lot easier to compare rates and it's absolutely necessary to get many rate quotes if you are searching for the lowest payment.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you enter the coverage information exactly as they are listed on your policy. This way, you are getting a rate comparison using the same coverage and limits.

The companies in the list below offer price quotes in Indiana. If the list has multiple companies, we recommend you visit several of them in order to find the most affordable rates.

Honda CR-V Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $206 $412 $288 $18 $86 $1,010 $84
CR-V EX 2WD $210 $358 $238 $14 $72 $892 $74
CR-V LX 4WD $134 $188 $312 $18 $94 $746 $62
CR-V EX 4WD $186 $294 $250 $14 $76 $820 $68
CR-V EX-L 2WD $210 $294 $244 $14 $72 $834 $70
CR-V EX-L 4WD $172 $238 $244 $14 $72 $740 $62
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise prices noticeably.

Physical damage deductibles

The illustration below shows how choosing a deductible and can change Honda CR-V yearly insurance costs for each age group. The premiums assume a single male driver, comp and collision included, and no discounts are taken into consideration.

Rate comparison for different deductibles

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The comparisons below determine the cost difference when you choose different coverage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Honda CR-V insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $210 $358 $238 $14 $72 $917 $76
CR-V EX 2WD $210 $358 $238 $14 $72 $917 $76
CR-V LX 4WD $210 $358 $238 $14 $72 $917 $76
CR-V EX 4WD $242 $358 $238 $14 $72 $949 $79
CR-V EX-L 2WD $242 $358 $238 $14 $72 $949 $79
CR-V EX-L 4WD $242 $358 $238 $14 $72 $949 $79
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Honda CR-V insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $116 $188 $238 $14 $72 $628 $52
CR-V EX 2WD $116 $188 $238 $14 $72 $628 $52
CR-V LX 4WD $116 $188 $238 $14 $72 $628 $52
CR-V EX 4WD $134 $188 $238 $14 $72 $646 $54
CR-V EX-L 2WD $134 $188 $238 $14 $72 $646 $54
CR-V EX-L 4WD $134 $188 $238 $14 $72 $646 $54
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in Evansville location which can modify premiums substantially.

Based on the data above, we can derive that using a $100 deductible costs an average of $25 more each month or $300 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 36 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $78
Average monthly premium for $1,000 deductibles (subtract): - $53
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

One important caveat is that a higher deductible level results in having to pay to pay more out-of-pocket at claim time. That will require enough disposable savings in order to pay the deductible.

Do you qualify for discounts on Honda CR-V insurance in Evansville?

Car insurance can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but some need to be specially asked for before you will receive the discount.Save money with discounts

One last thing about discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like all those discounts means the company will pay you, insurance companies aren't that generous.

Insurance companies that possibly offer these benefits include:

Before you buy a policy, ask every company which credits you are entitled to. A few discounts may not be available in every state. To view companies who offer online Honda CR-V insurance quotes in Evansville, follow this link.

Three reasons to not skimp on car insurance

Even though it can be expensive, buying car insurance is most likely required but also gives you several important benefits.

First, almost all states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance in order to drive the car. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it's most likely the lender will require that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Honda at a significantly higher premium and force you to reimburse them for it.

Third, car insurance protects not only your car but also your assets. It will also cover medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your car insurance policy will pay to repair the damage.

The benefits of insuring your CR-V greatly outweigh the cost, especially when you need to use it. The average driver in Indiana overpays more than $865 each year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.

Insurance agent or online?

A lot of people would rather sit down with an agent and that is OK! Good insurance agents can help you build your policy and help file insurance claims. A good thing about comparing rate quotes online is you can get cheap rate quotes and still choose a local agent.

Find insurance agent in EvansvilleTo make it easy to find an agent, after completing this simple form, your information gets sent to local insurance agents that can provide free Evansville car insurance quotes for your insurance coverage. There is no need to search for any insurance agencies since price quotes are sent to you instantly. In the event you want to get a price quote from a specific auto insurance provider, just navigate to their website to submit a rate quote request.

Picking an provider should include more criteria than just the premium amount. Agents should be asked these questions:

Choose an insurance agent wisely

When narrowing the list to find a local agent, there are a couple of different agency structures that you can choose from. Insurance agencies in Evansville can either be exclusive or independent (non-exclusive). Either type can insure your vehicles properly, but it's important to point out the differences because it can impact which agent you choose.

Exclusive Insurance Agents

Agents of this type can only write with one company and examples are State Farm, Allstate, or Farmers Insurance. They generally cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to buy from exclusive agents mainly due to loyalty to the company and solid financial strength.

Below is a short list of exclusive insurance agencies in Evansville who may provide you with rate quotes.

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Independent Agents (or Brokers)

These type of agents can quote rates with many companies and that gives them the ability to insure through many different auto insurance companies and find you the best rates. If prices rise, they simply switch companies in-house and you can keep the same agent. If you are comparing auto insurance prices, you absolutely need to get insurance quotes from at a minimum one independent agency to have the most options to choose from. Most also write with lesser-known insurance companies that can offer cheaper rates than bigger companies.

The following are independent insurance agents in Evansville willing to provide rate quotes.

More Evansville agents

If you feel you receive acceptable answers in addition to an acceptable price estimate, you may have found an insurance agency that is a good match to service your policy. But keep in mind you are able to terminate coverage at any point so never assume that you're stuck with any specific agency with no way to switch.