Would you like to save money by finding the cheapest Honda CR-V insurance in Indianapolis? If price shopping Indianapolis auto insurance quotes online is new to you, there's a good chance you are confused due to the large selection of auto insurance companies all offering big savings in Indianapolis.

Insurance quote for Honda CR-V in IndianapolisIt's amazing but almost 70% of insureds kept buying from the same company for at least four years, and roughly 40% of drivers have never compared rate quotes at all. Consumers in Indianapolis could pocket approximately $700 a year by just shopping around, but they don't want to take the time to shop around.

You should take the time to get comparison quotes once or twice a year since rates trend upward over time. Just because you had the best deal on Honda CR-V insurance in Indianapolis a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because you're about to learn the fastest and easiest way to remove unneeded coverages and save money.

When looking for affordable Indianapolis auto insurance quotes, there are a couple ways of comparing rate quotes from lots of Indiana car insurance companies. The best way to comparison shop consists of shopping online. Just keep in mind that comparing more rates from different companies increases the chance that you will find a lower rate. Some smaller insurers do not give Indianapolis CR-V insurance quotes over the internet, so it's necessary to compare price estimates on coverage from those companies, too.

The following companies provide price comparisons in Indiana. If the list has multiple companies, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Honda CR-V Insurance Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $216 $300 $312 $18 $94 $940 $78
CR-V EX 2WD $182 $340 $310 $18 $92 $942 $79
CR-V LX 4WD $148 $256 $230 $14 $68 $716 $60
CR-V EX 4WD $208 $340 $310 $18 $92 $968 $81
CR-V EX-L 2WD $170 $274 $310 $18 $92 $864 $72
CR-V EX-L 4WD $132 $218 $288 $18 $86 $742 $62
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify premium rates substantially.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The premium rates below sum up the cost difference between low and high policy deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Honda CR-V insurance prices 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 prices 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in your specific Indianapolis location which can revise rates noticeably.

We can derive from the above data that using a $100 deductible costs approximately $25 more each month or $300 every year than selecting the higher $1,000 deductible. Due to the fact that 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 at a minimum 36 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Violations and accidents raise rates

The chart below demonstrates how traffic citations and fender-benders increase Honda CR-V insurance costs for different age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Insurance premiums for males and females

The diagram below visualizes the comparison of Honda CR-V insurance prices for male and female drivers. Data assumes no claims, a clean driving record, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Save money on Honda CR-V insurance in Indianapolis with these discounts

Companies that sell car insurance don't list every possible discount very clearly, so below is a list some of the best known as well as some of the hidden discounts that may be available. If you aren't receiving every discount available, you are not getting the best rate possible.Cheaper insurance with discounts

It's important to note that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, insurance companies wouldn't stay in business.

If you would like to see a list of companies that offer some of these discounts in Indianapolis, click this link.

Six Tips to Get Cheaper Indianapolis Insurance Rates

Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, although others are more obscure such as your marital status or your vehicle rating.

Are car insurance agents used anymore?

Many people still like to visit with an insurance agent and that is not a bad decision One of the great benefits of comparing rate quotes online is the fact that drivers can get lower auto insurance rates but still work with a licensed agent.

Find insurance agent in IndianapolisAfter completing this short form, the coverage information is transmitted to companies in Indianapolis who can give free rate quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact an agency as quotes are delivered to your email. It's the lowest rates and a licensed agent to talk to. If you need to get a rate quote from one company in particular, feel free to jump over to their website and complete a quote there.

Choosing the best insurance company should include more criteria than just the price. These are some questions your agent should answer.

Not all auto insurance agents are the same

If you're trying to find a reliable insurance agent, it can be helpful to understand the different types of agencies and how they function. Insurance agencies in Indianapolis can be categorized as either independent agents or exclusive agents.

Exclusive Insurance Agents

These type of agents are contracted to one company like Farmers Insurance, State Farm, or Allstate. They generally cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. These agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. A lot of people buy insurance from these agents primarily because of the brand legacy rather than having low rates.

Shown below is a short list of exclusive agencies in Indianapolis that can give you rate quotes.

More Indianapolis agents

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers and that gives them the ability to insure with an assortment of companies and find you the best rates. If they quote lower rates, they can switch companies in-house and you can keep the same agent. If you are trying to find cheaper rates, we recommend you include price quotes from several independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers that can offer cheaper rates than bigger companies.

The following is a short list of independent insurance agencies in Indianapolis willing to provide rate quotes.

More Indianapolis agents

If you feel you receive good feedback to any questions you may have and an affordable coverage quote, you have narrowed it down to an auto insurance agent that meets the criteria to insure your vehicles.

Your situation helps dictate your coverage

Always keep in mind that when comparing coverage, there is no cookie cutter policy. Every insured's situation is different and a cookie cutter policy won't apply.Drive safe and save These are some specific questions might help in determining if you would benefit from an agent's advice.

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Smart shoppers get results

When buying insurance coverage, you should never buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

There are still a few companies who do not offer online quoting and usually these smaller providers work with independent agents. Discount Honda CR-V insurance can be bought on the web as well as from independent agents in Indianapolis, and you should compare rates from both in order to have the best chance of saving money.

You just read a lot of techniques to get a better price on Honda CR-V insurance in Indianapolis. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from a small local company. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Progressive and GEICO.

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