Cheap Rate Quotes for Honda CR-V Insurance in Orlando

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The most effective way to find low-cost auto insurance rates in Orlando is to make a habit of comparing prices annually from providers in Florida.

  • First, get an understanding of policy coverages and the modifications you can make to keep rates down. Many things that cause rate increases such as accidents, traffic violations, and your credit history can be controlled by paying attention to minor details. Read the full article for information to prevent rate hikes and find more discounts that you may not know about.
  • Second, compare 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 Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers. Click to view companies
  • Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Orlando. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, provide written notification to your current company of your intention to cancel your existing policy. Submit payment along with a signed and completed policy application to the new company. Once received, place your new certificate of insurance in a readily accessible location in your vehicle.

One thing to remember is to use similar limits and deductibles on every price quote and and to get rate quotes from every insurance company. This guarantees a fair rate comparison and the best price selection.

Discount Honda CR-V insuranceSmart shoppers know that insurance companies don't want customers comparing rates. Insureds who shop around for better prices will presumably switch auto insurance companies because there is a good probability of finding lower prices. Surprisingly, a recent survey revealed that people who routinely compared quotes saved on average $865 annually compared to those who never shopped around.

If finding the lowest rates on Honda CR-V insurance is your ultimate goal, knowing how to find companies and compare insurance rates can help you be more efficient.

If you're already insured, you should be able to get lower rates using the ideas presented in this article. Locating the best rates in Orlando can be easy if you know a few tricks. Nevertheless, Florida vehicle owners benefit from understanding the way insurance companies price insurance differently.

Discounts for affordable auto insurance quotes

Some insurers don't always advertise every discount available very well, so the next list breaks down a few of the more common and also the lesser-known discounts you could be receiving when you buy Orlando car insurance online.

  • Good Driver Discounts - Insureds without accidents can save as much as half off their rates as compared to drivers with claims.
  • Air Bags and Passive Restraints - Cars that have air bags can get savings of more than 20%.
  • Senior Citizen Discount - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Good Student - Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • Seat Belt Usage - Buckling up and requiring all passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
  • E-sign Discounts - A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Early Payment Discounts - If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
  • Theft Prevention Discount - Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.

We need to note that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, auto insurance companies aren't that generous.

The information below compares Honda CR-V auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.

A list of auto insurance companies and some of their more popular discounts can be read below.

  • GEICO may include discounts for five-year accident-free, membership and employees, anti-theft, daytime running lights, and driver training.
  • Auto-Owners Insurance policyholders can earn discounts including company car, multiple vehicles, air bags, mature driver, and teen driver.
  • American Family offers premium reductions for multi-vehicle, air bags, good driver, defensive driver, TimeAway discount, and Steer into Savings.
  • Esurance may offer discounts for good student, Pac-12 alumni, safety device, DriveSense, and emergency road assistance.
  • Progressive offers discounts for good student, continuous coverage, online quote discount, multi-vehicle, multi-policy, and homeowner.
  • State Farm includes discounts for Steer Clear safe driver discount, Drive Safe & Save, good student, defensive driving training, and driver's education.
  • AAA discounts include multi-car, multi-policy, AAA membership discount, education and occupation, pay-in-full, good student, and good driver.

When getting free Orlando car insurance quotes, it's a good idea to every prospective company which discounts they offer. Some of the discounts discussed earlier might not apply in Orlando. To view companies with the best discounts in Orlando, click this link.

To find the cheapest Honda CR-V rate quotes, there are several ways to compare rate quotes from many available auto insurance companies in Florida. The simplest method to compare rates consists of shopping online.

It's so easy to compare price quotes online that it makes it obsolete to spend time driving to different agent offices. Buying insurance online makes this process obsolete unless you prefer the professional assistance that can only be provided by a licensed insurance agent. It is possible with some companies comparison shop online but buy from a local insurance agent.

When comparison shopping, getting more free quotes will improve the odds of getting more affordable insurance.

The auto insurance companies shown below can provide price quotes in Orlando, FL. If you wish to find cheap car insurance in Orlando, it's a good idea that you get rate quotes from several of them to get a more complete price comparison.

Coverage analysis

The rate table displayed below highlights detailed analysis of insurance premium costs for Honda CR-V models. Being aware of how car insurance premiums are calculated helps drivers make smart choices when purchasing an auto insurance policy.

Honda CR-V Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $228 $360 $354 $20 $106 $1,068 $89
CR-V EX 2WD $228 $360 $354 $20 $106 $1,068 $89
CR-V LX 4WD $228 $360 $354 $20 $106 $1,068 $89
CR-V EX 4WD $262 $360 $354 $20 $106 $1,102 $92
CR-V EX-L 2WD $262 $360 $354 $20 $106 $1,102 $92
CR-V EX-L 4WD $262 $360 $354 $20 $106 $1,102 $92
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific location which can lower or raise premiums noticeably.

Deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The tables below show the costs and benefits of buying low and high insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Honda CR-V insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $280 $446 $354 $20 $106 $1,231 $103
CR-V EX 2WD $280 $446 $354 $20 $106 $1,231 $103
CR-V LX 4WD $280 $446 $354 $20 $106 $1,231 $103
CR-V EX 4WD $322 $446 $354 $20 $106 $1,273 $106
CR-V EX-L 2WD $322 $446 $354 $20 $106 $1,273 $106
CR-V EX-L 4WD $322 $446 $354 $20 $106 $1,273 $106
Get Your Own Custom Quote Go
Honda CR-V insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $174 $280 $354 $20 $106 $934 $78
CR-V EX 2WD $174 $280 $354 $20 $106 $934 $78
CR-V LX 4WD $174 $280 $354 $20 $106 $934 $78
CR-V EX 4WD $200 $280 $354 $20 $106 $960 $80
CR-V EX-L 2WD $200 $280 $354 $20 $106 $960 $80
CR-V EX-L 4WD $200 $280 $354 $20 $106 $960 $80
Get Your Own Custom Quote Go

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

We can estimate from the data above that using a $250 deductible costs about $26 more each month or $312 each year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 29 months between claim filings, you would come out ahead if you decide on a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $105
Average monthly premium for $1,000 deductibles (subtract): - $79
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

An important sidenote is that raising deductibles to save money results in a higher out-of-pocket expense at claim time. That will require some available funds in order to pay more to get your vehicle repaired.

Should you buy full coverage?

The diagram below shows the comparison of Honda CR-V insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

Should you pay for full coverage?

There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's assume your Honda CR-V book value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If it's costing you more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Learn How to Lower Your Insurance Prices

Part of the car insurance buying process is learning the factors that help determine the rates you pay for car insurance. When consumers understand what influences your rates, this enables you to make decisions that can earn you better car insurance rates.

The following are a partial list of the pieces utilized by car insurance companies to help set rates.

Extra coverages you don't need - There are a lot of extra coverages that can add up on your car insurance policy. Things like vanishing deductibles, better glass coverage, and extra life insurance coverage are some examples. These coverages may sound good when buying your policy, but now you might not need them so remove them from your policy.

Prevent theft and save - Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.

Cautious drivers have lower prices - Having a clean driving record has a lot to do with how much you pay for insurance. Even one driving citation can boost insurance rates forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with multiple citations such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state's licensing department in order to legally drive a vehicle.

The diagram below demonstrates how speeding tickets and fender-benders drive up Honda CR-V insurance prices for each age group. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Never let your car insurance policy lapse - Not maintaining insurance is not a good idea and companies may charge more for letting your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license.

Keep prices low by being claim-free - If you tend to file frequent claims, don't be surprised to see either policy cancellation or increased premiums. Auto insurance companies in Florida award the best rates to insureds who are not frequent claim filers. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

Are women or men drivers cheaper? - The statistics show women tend to be less risk to insure than men. However, this does not mean females are better drivers. They both have accidents at a similar rate, but men cause more damage. Men also get ticketed for serious violations like reckless driving and DUI.

The diagram below shows the comparison of Honda CR-V premium costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $1,000 deductibles, single status, and no discounts are taken into consideration.

Credit rating impacts premium prices - A driver's credit rating is likely to be a major factor in determining what you pay for car insurance. If your credit score is not that good, you could pay less to insure your Honda CR-V by taking the time to improve your credit score. Drivers who have excellent credit tend to be less risk to insure than drivers with worse credit.

Claims statistics for a Honda CR-V - Insurers use claims history when they calculate premium prices for each model. Vehicles that the data shows to have increased claim numbers or amounts will have higher rates.

The table shown below demonstrates the actual insurance loss data for Honda CR-V vehicles. For each policy coverage, the claim amount for all vehicles, as a total average, is considered to be 100. Values below 100 indicate better than average losses, while percentage values above 100 indicate frequent claims or statistically larger losses.

Honda CR-V Insurance Loss Statistics
Specific Honda 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance can be complex

When it comes to proper insurance coverage, there really is no perfect coverage plan. Your financial needs are unique and your auto insurance should be unique as well. For instance, these questions might point out if you could use an agent's help.

  • Is a fancy paint job covered?
  • What is UM/UIM insurance?
  • Is my ex-spouse still covered by my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much underlying liability do I need for an umbrella policy?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I hit my neighbor's mailbox?
  • Do I have coverage if I rent a car in Mexico?
  • Is a blown tire covered by insurance?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance is available from agents near you

A lot of people still like to sit down with an agent and that is OK! A nice benefit of comparing rate quotes online is the fact that drivers can get lower premium rates and still buy from a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Orlando.

Insurance agents in OrlandoAfter completing this form (opens in new window), your coverage information is submitted to insurance agents in Orlando that provide free Orlando car insurance quotes to get your business. There is no need to leave your house since rate quotes are delivered straight to your inbox. You can find better rates and an insurance agent to talk to. If you want to compare rates from one company in particular, you just need to navigate to their website and fill out the quote form the provide.

If you are searching for a reliable insurance agency, it's helpful to know the types of insurance agents and how they are distinctly different. Agents may be either exclusive or independent.

Independent Car Insurance Agents

These type of agents are not employed by one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can switch companies and you can keep the same agent. When comparing car insurance prices, you definitely need to compare prices from multiple independent agents in order to compare the most rates.

Featured below is a partial list of independent insurance agents in Orlando that can possibly get you price quotes.

Bud Redditt Insurance Agency Inc
1716 W Colonial Dr - Orlando, FL 32804 - (407) 855-6797 - View Map


2901 Curry Ford Rd #212 - Orlando, FL 32806 - (407) 849-9000 - View Map


8000 S Orange Ave #201 - Orlando, FL 32809 - (407) 309-9949 - View Map

More insurance agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel normally can only provide a single company's rates such as State Farm or Allstate. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are trained well in insurance sales which helps them sell on service rather than price.

The following is a list of exclusive insurance agents in Orlando that are able to give price quotes.


9161 Narcoossee Rd Ste 207 - Orlando, FL 32827 - (407) 208-9930 - View Map


198 S Semoran Blvd - Orlando, FL 32807 - (407) 273-9170 - View Map


3354 Curry Ford Rd - Orlando, FL 32806 - (407) 898-0061 - View Map

More insurance agents

Choosing the best insurance agency requires more thought than just the bottom line cost. Before buying a policy in Orlando, get answers to these questions.

  • Do they offer claims assistance after hours?
  • Do they reduce claim amounts on high mileage vehicles?
  • Do they get paid more for recommending certain coverages?
  • Does the company have a local claim office in Orlando?
  • How much will you save each year by using a higher deductible?
  • How many years have they been established?
  • What is the financial rating for the quoted company?

If you get good feedback for all questions you ask as well as inexpensive Honda CR-V insurance in Orlando quotes, it's possible that you found an insurance agent that will adequately provide car insurance. Just remember consumers can cancel coverage when you choose so don't assume you're contractually obligated to a policy with no way out.

Protect your Honda CR-V and other assets

Despite the high insurance cost for a Honda CR-V in Orlando, maintaining insurance may be required and benefits you in several ways.

  • Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability protection if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your vehicle, almost every bank will require that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Honda for a lot more money and force you to pay for it.
  • Insurance protects both your Honda and your assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Honda as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so it's very important to do a rate comparison every year to help ensure money is not being wasted.

Cheaper auto insurance is a realistic goal

Lower-priced Honda CR-V insurance in Orlando can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide online rate quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of information how to reduce Honda CR-V insurance rates online in Orlando. It's most important to understand that the more times you quote, the higher your chance of finding affordable Honda CR-V insurance quotes. You may even discover the lowest rates come from a small local company. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

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