Affordable Rate Quotes for Honda CR-V Insurance in Birmingham

How long has it been since you shopped around for low-cost Honda CR-V insurance in Birmingham? Consumers that are new to comparison shopping online are likely to find buying the cheapest Honda CR-V insurance in Birmingham can be quite difficult.

Discount Honda CR-V insuranceSadly, nearly 70% of customers kept buying from the same company for four years or more, and virtually 40% of consumers have never shopped around. Alabama drivers could save themselves almost 40% a year, but most tend to underestimate the amount of money they would save if they switched to a more affordable policy.

Getting quotes for affordable car insurance coverage in Birmingham is not that difficult. In a nutshell, every person who quotes car insurance most likely will get a lower-priced policy. But Alabama consumers must understand the methods companies use to set your policy premium because rates are impacted by many factors.

Informed Consumers Can Lower Insurance Rates

It's important that you understand some of the things that play a part in calculating your auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates.

Rates may be lower depending on your occupation - Careers such as military personnel, executives and dentists usually pay higher average rates attributed to intense work-related stress and long work days. On the flip side, careers like scientists, athletes and performers have lower than average premiums.

Obey driving laws and save - Having a single chargable violation may cause rates to rise twenty percent or more. Good drivers receive lower rates compared to bad drivers. People who have serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.

Use one insurance company and save - Most major auto insurance companies apply lower prices to insureds that buy multiple policies. It's known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, you still need to comparison shop to help ensure you have the lowest rates.There is a good possibility that you can save money by insuring with multiple companies.

Prevent theft and save - Buying a car that has a built-in theft deterrent system can save you a little every year. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.

Gender impacts rates - Over time, data shows that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. They both tend to get into accidents at about the same rate, but the men tend to have higher claims. Men also get more serious tickets like DUI and reckless driving.

Cheaper prices with safer cars - Cars with five star safety ratings cost less to insure. Vehicles built for safety reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.

Lower rates for married couples - Being married may cut your premiums when shopping for auto insurance. Having a spouse may mean you are more responsible and it's statistically proven that drivers who are married file infrequent claims.

Honda CR-V insurance loss statistics - Companies analyze the history of losses to calculate a rate that will offset any claims. Vehicles that the data shows to have higher losses will cost more to insure.

The next table shows the loss history for Honda CR-V vehicles. For each policy coverage, the claim probability for all vehicles, as a total average, is represented as 100. Numbers below 100 are indicative of better than average losses, while values that are above 100 show a trend for more claims or tendancy to have higher 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

Where can I get low cost Birmingham Honda CR-V insurance?

To get low cost Birmingham auto insurance quotes, there a variety of ways to compare rate quotes from many available insurance companies in Alabama. By far the easiest way to lower the rate you pay for Honda CR-V insurance involves getting comparison quotes online. Just remember that making a lot of price comparisons helps increase your odds of locating the best rates.

The following companies provide free quotes in Birmingham, AL. If multiple companies are shown, it's highly recommended you visit several of them to find the cheapest auto insurance rates.

Honda CR-V Insurance Rates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $120 $234 $324 $20 $96 $794 $66
CR-V EX 2WD $174 $300 $270 $16 $80 $840 $70
CR-V LX 4WD $246 $422 $292 $18 $88 $1,066 $89
CR-V EX 4WD $252 $354 $292 $18 $88 $1,004 $84
CR-V EX-L 2WD $226 $366 $276 $16 $82 $966 $81
CR-V EX-L 4WD $212 $292 $286 $16 $86 $892 $74
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The rates shown below can help show the rate fluctuation of buying low and high insurance deductibles. The first pricing table uses a $100 deductible for physical damage and the second set of prices 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 $252 $430 $286 $16 $86 $1,095 $91
CR-V EX 2WD $252 $430 $286 $16 $86 $1,095 $91
CR-V LX 4WD $252 $430 $286 $16 $86 $1,095 $91
CR-V EX 4WD $290 $430 $286 $16 $86 $1,133 $94
CR-V EX-L 2WD $290 $430 $286 $16 $86 $1,133 $94
CR-V EX-L 4WD $290 $430 $286 $16 $86 $1,133 $94
Get Your Own Custom Quote Go
Honda CR-V insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $140 $228 $286 $16 $86 $756 $63
CR-V EX 2WD $140 $228 $286 $16 $86 $756 $63
CR-V LX 4WD $140 $228 $286 $16 $86 $756 $63
CR-V EX 4WD $160 $228 $286 $16 $86 $776 $65
CR-V EX-L 2WD $160 $228 $286 $16 $86 $776 $65
CR-V EX-L 4WD $160 $228 $286 $16 $86 $776 $65
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle location which can impact insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $29 more each month or $348 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 31 months between claim filings, you would save money by going with a higher deductible.

Choosing deductibles

The diagram below demonstrates how deductible levels and can influence Honda CR-V insurance prices for different age groups. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Why auto insurance is not optional

Despite the high insurance cost for a Honda CR-V in Birmingham, paying for auto insurance is not optional due to several reasons.

The benefits of carrying enough insurance outweigh the cost, especially if you ever need it. As of last year, the average driver in Alabama is wasting up to $820 a year so you should quote rates at every policy renewal to ensure rates are competitive.

Take policy discounts and save on Honda CR-V insurance in Birmingham

Companies that sell car insurance don't always list their entire list of discounts very well, so the list below gives a summary of both well-publicized and the harder-to-find credits available to you.Auto insurance discounts

Don't be shocked that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it's possible to get free car insurance, it just doesn't work that way.

A few popular companies and their possible discounts are detailed below.

If you want inexpensive Birmingham auto insurance quotes, ask every prospective company which credits you are entitled to. Some discounts might not be available to policyholders in Birmingham. For a list of auto insurance companies that provide some of the discounts listed above in Alabama, click here.

When should I contact an agent?

Many drivers just want to talk to an insurance agent and we recommend doing that A good thing about getting online price quotes is you can get lower rates and also buy local. Buying from and supporting local insurance agents is important particularly in Birmingham.

Find insurance agent in BirminghamTo find an agent, once you fill out this form (opens in new window), your insurance data is sent to local insurance agents in Birmingham who will give you bids to get your business. There is no need to search for an agent as quotes are delivered directly to your email. You can get cheaper insurance rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific insurance provider, you just need to visit that company's website and fill out their quote form.

If you are wanting to purchase insurance from a good Birmingham insurance agent, it helps to know the two different types of agencies from which to choose. Agents may be either exclusive or independent.

Independent Insurance Agents

Agents that choose to be independent are not employed by any specific company so they can quote policies with a variety of different insurance companies depending on which coverage is best. If prices rise, your agent can switch companies and you can keep the same agent.

When comparison shopping, you will want to get quotes from at a minimum one independent agency to maximize your price options. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.

Shown below is a partial list of independent insurance agents in Birmingham who may provide rate quotes.

More Birmingham agents

Exclusive Insurance Agents

Agents of this type work for only one company like Farmers Insurance and State Farm. These agents are not able to place coverage with different providers so they have no alternatives for high prices. These agents are usually quite knowledgeable on sales techniques which aids in selling service over price. Some insured continue to buy from the same agent for years partially due to the brand name rather than low rates.

Listed below is a list of exclusive insurance agencies in Birmingham who can help you get price quote information.

More Birmingham agents

Finding the right insurance agent requires more thought than just a low price. These are some valid questions you should ask.

After you get reasonable responses to any questions you have and cheap CR-V insurance quotes, most likely you have located an insurance agency that will properly service your insurance policy. Keep in mind you have the power to cancel coverage when you choose so don't think you're contractually obligated to any specific agency for the full policy term.

Special considerations

When quoting and choosing adequate coverage, there really is not a best way to insure your cars. Your financial needs are unique and your auto insurance should be unique as well.Auto insurance savings These are some specific questions may help you determine whether or not you may require specific advice.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

More comparisons equals affordable rates

Low-cost Honda CR-V insurance in Birmingham can be bought both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer internet price quotes and most of the time these smaller companies only sell through independent agents.

As you prepare to switch companies, it's very important that you do not skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

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