Honda CR-V Insurance Quotes in San Diego

Insurance rates Honda CR-V in San DiegoHow many times have you told yourself to find lower-priced auto insurance rates in San Diego, CA? San Diego shoppers have a choice when shopping for low-cost Honda CR-V insurance. You can either spend your time calling around getting price quotes or use the internet to get rate quotes. There are both good and bad ways to shop for auto insurance and we’ll show you the proper way to price shop coverage for a Honda and find the lowest possible price either online or from San Diego insurance agents.

Affordable Honda insurance price quotes in San Diego

The companies shown below have been selected to offer price quotes in California. If multiple providers are shown, it’s a good idea that you get price quotes from several of them to get the best price comparison.

Honda CR-V Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $256 $464 $424 $26 $128 $1,298 $108
CR-V EX 2WD $256 $468 $354 $20 $106 $1,204 $100
CR-V LX 4WD $168 $274 $386 $22 $116 $966 $81
CR-V EX 4WD $238 $392 $424 $26 $128 $1,208 $101
CR-V EX-L 2WD $326 $582 $424 $26 $128 $1,486 $124
CR-V EX-L 4WD $164 $252 $360 $22 $108 $906 $76
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase price quotes considerably.

Does full coverage make sense?

The example below illustrates the difference between Honda CR-V annual premium costs when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, married female driver, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no definitive formula to drop physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s say your Honda CR-V settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after paying your policy deductible. If you are paying more than $300 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

An analysis of deductible level

The diagram below shows how choosing a deductible and can influence Honda CR-V insurance rates for different age groups of insureds. The data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

Cheaper rates on Honda CR-V insurance in San Diego with these discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that may help make it more affordable. Most are applied at the time of purchase, but some may not be applied and must be specially asked for in order for you to get them.Auto insurance discounts

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic. But any discount will help lower your policy cost.

Companies and some of the premium reductions they offer are outlined below.

If you want affordable San Diego auto insurance quotes, ask every prospective company which discounts can lower your rates. Some credits may not apply to policies in your state. To see providers with significant discounts in California, click here.

Lower Your San Diego Insurance Prices

The best way to find cheaper insurance is to take a look at the rating factors that help calculate your insurance rates. When you understand what determines premiums, this enables you to make decisions that can earn you lower premium levels.

Local insurance agents

Some consumers would prefer to get advice from a local agent. Most agents can help you choose the best coverages and give you someone to call. A nice benefit of getting free rate quotes online is that you can find cheap auto insurance quotes and also buy local.

San Diego insurance agentsTo find an agent, once you fill out this form (opens in new window), your insurance data is emailed to local insurance agents in San Diego who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer since rate quotes are delivered immediately to you. If for some reason you want to get a rate quote from a particular provider, you just need to go to their quote page and fill out their quote form.

Picking the best insurance company requires more thought than just a cheap quote. Ask your prospective agent these questions:

Best car insurance agent in San Diego

When narrowing the list to find a local San Diego insurance agent, there are a couple of types of insurance agents and how they can service your needs differently. San Diego agents can be categorized as either independent or exclusive. Either type can provide auto insurance policies, but it’s important to know the difference in the companies they write for because it can impact which type of agent you select.

Exclusive Agents

Agents in the exclusive channel can only provide pricing for a single company like Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their company’s products which aids in selling service over price. Drivers often purchase coverage from exclusives mostly because of the brand name instead of buying on price only.

The following is a list of exclusive insurance agencies in San Diego who may provide you with rate quotes.

More San Diego agents

Independent Auto Insurance Agents

Independent insurance agents are not employed by any specific company so they can write business with many different companies and get the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part.

When comparing rate quotes, you will want to get quotes from independent agents to maximize your price options. Most have the option of insuring with lesser-known insurance companies that many times have cheaper rates.

Shown below are independent agents in San Diego who can help you get price quotes.

More San Diego agents

Do drivers who switch really save?

California consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, GEICO and Progressive. They all tend to make the same promise about savings if you just switch to them.

That’s great but how can every company have lower policy pricing? It’s all in the wording.

Companies give the best rates for the type of customer that earns them a profit. An example of this type of insured should be between the ages of 30 and 50, has a clear driving record, and the vehicle is rated for pleasure use. Someone who matches that profile will probably get cheap premium rates and have a good chance to cut their Honda CR-V insurance rates if they switch.

People who may not quite match this stringent profile will be quoted higher rates which results in business not being written. The trick companies use is to say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can make claims like that. Different companies use different criteria so you need to compare many company’s prices. It’s just too difficult to predict which auto insurance company will have the lowest premium rates for your situation.

Lower rates by being persistent

Cheaper auto insurance in San Diego is available from both online companies and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get quotes online and these regional carriers sell through independent insurance agents.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best cost while still protecting your assets.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason, switching auto insurance companies can be easier than you think.

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