Best Insurance for a Honda CR-V in Portland

Trying to find cheaper Honda CR-V insurance in Portland? Are you at wits end from wondering where the money will come from each month for auto insurance? You are in the same boat as many other people in Oregon.

It goes without saying that auto insurance companies don’t want you to look at other companies. People who compare rates at least once a year will probably buy a different policy because there is a great chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that drivers who faithfully checked for cheaper rates saved as much as $865 annually compared to other drivers who never shopped for cheaper rates.

If finding the cheapest price on Honda CR-V insurance is your ultimate goal, learning how to get free comparison quotes and analyze auto insurance can make it easier to shop your coverage around. Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best price available on Honda CR-V insurance in Portland.

Consumers should take time to check auto insurance prices every six months because prices trend upward over time. If you had the best deal on Honda CR-V insurance in Portland last year the chances are good that you can find a lower rate today. You can search a lot of CR-V insurance online, but in just a couple of minutes you can learn some solid techniques on how to save money.

Companies offering Honda CR-V insurance in Oregon

The following companies offer free rate quotes in Oregon. If you want the best cheap car insurance in Portland, OR, we recommend you visit several of them to get the most affordable price.

Insurance coverage analysis

The coverage information shown next showcases detailed analysis of coverage prices for Honda CR-V models. Learning a little about how insurance policy rates are formulated is important to be able to make informed decisions when comparing rate quotes.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Analysis of deductible levels

One of the hardest decisions when shopping for insurance is which deductible level should you buy. The comparison tables below sum up the differences in premium rates when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can revise prices considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $11 more each month or $132 for a full year averaged for all CR-V models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claims, you would more than likely save some money if you choose the higher deductible.

The information below illustrates how your choice of deductibles and can affect Honda CR-V insurance prices for different age groups. The information is based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Honda CR-V insurance rates: Men versus women

The example below visualizes the comparison of Honda CR-V car insurance rates for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

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

Car insurance can be pricey, but there may be some discounts that many people don’t even know exist. Some of these discounts will be visible when you get a quote, but once in a while a discount must be inquired about prior to getting the savings.

• Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
• Smart Student Discounts – This discount can get you a discount of up to 25%. You can use this discount normally until age 25.
• Low Mileage – Driving fewer miles may enable drivers to earn discounted car insurance rates on garaged vehicles.
• Responsible Driver Discount – Drivers without accidents could pay up to 40% less than drivers with accidents.
• More Vehicles More Savings – Drivers who insure multiple vehicles on one policy can reduce rates for all insured vehicles.
• Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
• Portland Homeowners Pay Less – Owning a home in Portland can help you save on car insurance because owning a home shows financial diligence.
• Membership in Organizations – Being a member of a civic or occupational organization in Portland is a simple method to lower premiums on your policy.
• Auto/Life Discount – Insurance carriers who offer life insurance give a lower price if you buy auto and life insurance together.
• Defensive Driver Discounts – Taking a class that teaches safe driver techniques is a good idea and can lower rates and make you a better driver.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

The illustration below illustrates the difference between Honda CR-V insurance costs with and without discounts applied to the premium. The prices are based on a male driver, no tickets, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, marriage, and multi-car discounts applied.

A list of car insurance companies and their possible discounts are detailed below.

• Farmers Insurance offers discounts for pay in full, business and professional, teen driver, multi-car, and electronic funds transfer.
• Esurance may offer discounts for anti-lock brakes, online quote, paid-in-full, emergency road assistance, and renters.
• State Farm policyholders can earn discounts including anti-theft, accident-free, multiple policy, good student, Drive Safe & Save, and good driver.
• GEICO has discounts for seat belt use, multi-policy, anti-theft, defensive driver, emergency military deployment, and five-year accident-free.
• Allstate offers discounts including early signing, eSmart discount, EZ pay plan discount, premier plus, and economy car.

When comparing rates, check with all the companies the best way to save money. Savings might not be offered in Portland.

Your situation helps dictate your coverage

Always keep in mind that when comparing adequate coverage for your vehicles, there is no single plan that fits everyone. You are unique.

For instance, these questions may help you determine whether you will benefit from professional help.

• Do all my vehicles need collision coverage?
• Why am I required to get a high-risk car insurance policy?
• What if an uninsured driver hits me?
• Can I use my car for my catering business?
• How long can I keep a teen driver on my policy?
• Does my Honda CR-V qualify for pleasure use?
• Why am I required to buy liability insurance?
• Are my custom wheels covered?
• Will filing a claim cost me more?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are insurance agencies of importance?

Many drivers would prefer to talk to a local agent and doing so can bring peace of mind Professional agents can make sure you are properly covered and will help you if you have claims. A nice benefit of getting free rate quotes online is you can get the best rates and still have an agent to talk to. Buying insurance from small agencies is important particularly in Portland.

After filling out this short form, the coverage information is submitted to local insurance agents in Portland that give free quotes and help you find cheaper coverage. You won’t even need to find an agent because quoted prices will be sent immediately to you. If you wish to compare prices from a specific insurance company, you can always search and find their rate quote page and complete a quote there.

When looking for a reputable agency, it can be helpful to understand the different agency structures and how they work. Auto insurance policy providers are considered either exclusive agents or independent agents. Either one can do a good job, but it’s worth learning the differences since it could factor into buying decisions.

Independent Auto Insurance Agencies or Brokers

Agents that elect to be independent are not required to write business for one company so they can quote policies through many companies and find the cheapest rate. If you are not satisfied with one company, your agent can just switch to a different company which requires no work on your part.

When comparing rate quotes, you definitely need to get several quotes from several independent agencies for maximum quote selection.

The following are independent agents in Portland that can give you free price quotes.

View more Portland agents

Exclusive Agents

Exclusive agents work for only one company and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on sales techniques which helps them sell on service rather than price.

Shown below is a short list of exclusive insurance agents in Portland that are able to give comparison quotes.

View more Portland agents

Choosing the best car insurance agent requires you to look at more than just the bottom line cost. Any agent in Portland should be forthright in answering these questions:

• What company do they have the most business with?
• Will they take your side in the event of a claim?
• Will you get a loaner vehicle if you car is being repaired?
• Does the company use OEM repair parts?
• Where would your vehicle be repaired?

Car insurance coverage breakdown

Understanding the coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hail damage, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your CR-V resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible on your CR-V to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for nursing services, chiropractic care, X-ray expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability

Liability insurance protects you from injuries or damage you cause to people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/20 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $20,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible. Oregon state law requires minimum liability limits of 25/50/20 but drivers should carry higher limits.

The next chart demonstrates why minimum state limits may not be adequate coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda CR-V.

Because many people carry very low liability coverage limits (25/50/20), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liability limits.

In the end, you can save money

Drivers leave their current company for a variety of reasons including denial of a claim, high prices, delays in responding to claim requests and even policy non-renewal. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

Discount Honda CR-V insurance in Portland can be found on the web as well as from independent agents in Portland, and you should be comparing both to have the best rate selection. Some car insurance companies may not have rates over the internet and usually these regional carriers prefer to sell through local independent agents.

When you buy Portland auto insurance online, it’s not a good idea to buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

How to find cheaper quotes for Honda CR-V insurance in Portland

It takes a few minutes, but the best way to get more affordable Honda CR-V insurance is to begin comparing prices regularly from providers who provide car insurance in Portland.

First, try to learn a little about policy coverages and the things you can control to keep rates in check. Many risk factors that increase rates like traffic violations, accidents, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.

Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies. Click to view companies

Third, compare the price quotes to your current policy premium to see if cheaper CR-V coverage is available. If you find a better price and buy the policy, ensure coverage does not lapse between policies.

Fourth, notify your agent or company of your intention to cancel your current auto insurance policy and submit a completed policy application and payment to the new insurer. As soon as you can, keep the new certificate verifying proof of insurance in an accessible location in your vehicle.

One piece of advice is that you use identical coverage information on every quote and and to get rates from as many different companies as possible. Doing this provides an apples-to-apples comparison and the most accurate and complete price analysis.

For more information, take a look at the resources below:

• Child Safety Seats (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for Veterans in Portland? (FAQ)
• What Insurance is Cheapest for Teachers in Portland? (FAQ)
• Who Has Cheap Auto Insurance Rates for Nurses in Portland? (FAQ)
• Red Light Cameras (State Farm)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Uninsured Motorist Statistics (Insurance Information Institute)