Insurance for Honda CR-VHow long have you put off shopping around for low-cost Honda CR-V insurance in Mesa? Did budget coverage turn out to be an overpriced car insurance policy? Don't feel bad because you are not the only one feeling buyer's remorse.

A recent car insurance study discovered that the vast majority of car insurance customers kept their policy with the same company for more than four years, and nearly 40% of drivers have never shopped around. With the average premium in Arizona being $1,580, drivers could save nearly 50% each year, but they just don't understand the amount of savings they would get if they replace their high priced policy. You have so many auto insurance companies to pick from, and even though it's nice to have a choice, it makes it harder to find the lowest cost provider for Honda CR-V insurance in Mesa.

Shopping for the lowest-priced insurance coverage in Mesa is not as difficult as people think. If you have a policy now or just want a better rate, take advantage of these tips to cut your premiums and possibly find even better coverage. Comparison shoppers only need an understanding of the quickest way to find the lowest price using one simple form.

Compare Mesa Honda CR-V insurance quotes online

All the larger auto insurance companies like State Farm, Allstate and GEICO allow consumers to get insurance quotes online. Comparing prices online for Honda CR-V insurance in Mesa is quite easy because it's just a matter of typing in your coverage information as requested by the quote form. Behind the scenes, their quoting system pulls reports for credit and driving violations and returns a price based on many factors. Quoting online for Honda CR-V insurance in Mesa makes comparing rates easy, and it is imperative to compare as many rates as possible in order to find a better rate.

To save time and find out how much you're overpaying now, compare rates now from the companies shown below. If you have a policy now, it's recommended you duplicate the limits and deductibles as shown on your current policy. This helps ensure you will receive a price comparison for similar insurance coverage.

The following companies can provide free rate quotes in Arizona. If your goal is to find the best auto insurance in Arizona, we suggest you visit as many as you can to get the cheapest price.

Honda CR-V Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $188 $258 $334 $20 $100 $900 $75
CR-V EX 2WD $250 $470 $344 $20 $102 $1,186 $99
CR-V LX 4WD $156 $266 $240 $14 $72 $748 $62
CR-V EX 4WD $138 $198 $260 $16 $78 $690 $58
CR-V EX-L 2WD $250 $376 $260 $16 $78 $980 $82
CR-V EX-L 4WD $146 $214 $240 $14 $72 $686 $57
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location information which can lower or raise coverage rates significantly.

How high should deductibles be?

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The comparisons below can help illustrate the rate fluctuation when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Honda CR-V insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $224 $382 $254 $16 $76 $977 $81
CR-V EX 2WD $224 $382 $254 $16 $76 $977 $81
CR-V LX 4WD $224 $382 $254 $16 $76 $977 $81
CR-V EX 4WD $258 $382 $254 $16 $76 $1,011 $84
CR-V EX-L 2WD $258 $382 $254 $16 $76 $1,011 $84
CR-V EX-L 4WD $258 $382 $254 $16 $76 $1,011 $84
Get Your Own Custom Quote Go
Honda CR-V insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $164 $258 $254 $16 $76 $768 $64
CR-V EX 2WD $164 $258 $254 $16 $76 $768 $64
CR-V LX 4WD $164 $258 $254 $16 $76 $768 $64
CR-V EX 4WD $188 $258 $254 $16 $76 $792 $66
CR-V EX-L 2WD $188 $258 $254 $16 $76 $792 $66
CR-V EX-L 4WD $188 $258 $254 $16 $76 $792 $66
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices substantially.

We can derive from the above data that using a $100 deductible costs about $18 more each month or $216 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 22 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $83
Average monthly premium for $500 deductibles (subtract): - $65
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One thing to note is that a higher deductible level means you will have to pay more of your own money when you have a comprehensive or collision claim. That will require enough extra savings in order to pay more to get your vehicle repaired.

How careless driving impacts auto insurance rates

The chart below highlights how speeding tickets and accident claims can affect Honda CR-V annual premium costs for each different age group. The data assumes a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Companies offer money-saving discounts on Honda CR-V insurance in Mesa

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. A few discounts will automatically apply when you purchase, but once in a while a discount must be specifically requested prior to receiving the credit. If they aren't giving you every credit you deserve, you are throwing money away.Cheaper auto insurance with discounts

Don't be surprised that some credits don't apply to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn't be very happy.

Large auto insurance companies and some of the discounts can be read below.

Check with every company to give you their best rates. Some credits may not apply to policies in your state. To choose companies that offer discounts in Mesa, click here.

Comparing rates from local Mesa insurance agencies

Certain consumers would rather talk to a local agent and that is a personal choice. Good insurance agents will help you protect your assets and will help you if you have claims. One of the best bonuses of comparing insurance online is the fact that you can find the lowest rates and still have a local agent. Putting coverage with local insurance agencies is important particularly in Mesa.

Mesa insurance agentsBy using this short form, your information is instantly submitted to local insurance agents in Mesa who will gladly provide quotes and help you find cheaper coverage. You won't even need to find an agent because prices are sent to you directly. If you want to get a rate quote from a specific company, you would need to jump over to their website and fill out their quote form.

If you are searching for a good Mesa insurance agent, it's helpful to know the different agency structures that differ in how they can insure your vehicles. Agents can be categorized as either exclusive or independent agents depending on their company appointments. Both types can handle insurance, but we need to point out the difference between them because it can impact buying decisions.

Independent Insurance Agents

These agents are not employed by one company and that enables them to quote your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you stay with the same agent. When shopping rates, we recommend you include price quotes from several independent insurance agents to maximize your price options.

Featured below is a list of independent insurance agents in Mesa that can possibly get you free insurance rate quotes.


1125 E Southern Ave - Mesa, AZ 85204 - (480) 892-8755 - View Map


30 N Gilbert Rd - Mesa, AZ 85203 - (480) 649-8001 - View Map


7255 E Hampton Ave #107a - Mesa, AZ 85209 - (480) 986-1117 - View Map

View more Mesa agents

Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are very knowledgeable in insurance sales which helps them compete with independent agents.

Shown below is a list of exclusive agents in Mesa who can help you get comparison quotes.


1119 E University Dr - Mesa, AZ 85203 - (480) 834-1233 - View Map


5540 E Broadway Rd Ste 6 - Mesa, AZ 85206 - (480) 830-0046 - View Map


2220 S Country Club Dr #100 - Mesa, AZ 85210 - (480) 892-6079 - View Map

View more Mesa agents

Finding the right insurance agent shouldn't rely on just a cheap price. Here are some questions you might want to ask.

It's not one size fits all

When it comes to buying the right insurance coverage, there isn't really a one size fits all plan. Your needs are unique to you and your auto insurance should be unique as well.Auto insurance savings Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Having a good grasp of your insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Liability

This coverage provides protection from damage that occurs to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as medical services, attorney fees, legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, a broken windshield, hitting a deer, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your CR-V in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda CR-V.

Since a lot of drivers only carry the minimum required liability limits (15/30/10 in Arizona), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for prosthetic devices, chiropractic care, X-ray expenses, doctor visits and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Shop around and save

As you restructure your insurance plan, make sure you don't skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at an affordable rate and still be able to protect your assets.

We just covered a lot of ways to get a better price on Honda CR-V insurance in Mesa. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

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