How Much Does Insurance Cost for a Honda CR-V in Oregon?

Our staff writers always rib each other than when writing about car insurance, the words cheap or affordable should never be used anywhere in the article to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Honda CR-V is not always easy to find. Don’t get your dauber down, because we are going to show you how you can still get car insurance that works with your budget.

Whether or not you can find the best cheap coverage for a Honda CR-V in Oregon relies on a complex formula that considers things such as whether you are male or female, whether or not you are currently insured, and any past driving violations you may have had. Drivers on average pay approximately $880 annually to insure a Honda CR-V, but that price is calculated using a 30-year-old married female that included full comprehensive and collision coverage and $100 policy deductibles.

There is a high probability that you are not 30 and possibly not even female, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. The different assumptions illustrate why the way we recommend to find the cheapest rates for your Honda is to get into the habit of shopping around regularly. To cut your rates now, get a free quote and you will receive prices from some of the most affordable companies that insure Honda vehicles in Oregon.

Cheapest Honda CR-V Insurance Rates

Your Honda’s trim level tends to have a direct effect on the yearly cost, so the price you will pay to insure a CR-V LX 2WD model will be $34 cheaper than the insurance cost for the more costly CR-V EX-L 4WD version, as shown by the rates below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can influence premiums significantly.

Ratings for Oregon insurance companies

Finding a high-quality insurance provider is hard considering how many companies there are to choose from in Oregon. The ranking information shown next can help you choose which companies to look at purchasing a policy from.

These ratings are only made up of large nationwide companies, so companies with more of a regional focus are not included in the list. To get price quotes from the insurers below and more, just click here.

Types of discounts on Oregon insurance

Insurers that provide cheap insurance for a Honda CR-V in Oregon may also provide price discounts that could lower prices by as much as 30% if you meet the requirements. A few popular companies and some of the premium reductions they offer are shown below.

• State Farm may include discounts for Drive Safe & Save, driver’s education, good driver, student away at school, Steer Clear safe driver discount, passive restraint, and anti-theft.
• Liberty Mutual offers discounts including teen driver discount, multi-policy, exclusive group savings, newly married, and new vehicle discount.
• American Family may have discounts that include bundled insurance, good driver, good student, defensive driver, and accident-free.
• Progressive policyholders can earn discounts including continuous coverage, homeowner, online quote discount, online signing, good student, multi-vehicle, and multi-policy.
• Farmers Insurance discounts include bundle discounts, alternative fuel, business and professional, early shopping, homeowner, switch companies, and mature driver.
• Auto-Owners Insurance has savings for teen driver, multiple vehicles, paid in full, multi-policy, paperless, and anti-theft.
• SAFECO offers premium reductions for safe driver, anti-lock brakes, drive less, teen safety rewards, and teen safe driver.

The example below illustrates the comparison of auto insurance rates with and without some available policy discounts. The prices are based on a male driver, no claims or driving citations, Oregon state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, multiple vehicle, defensive driving course, safe-driver, and anti-theft discounts applied. When discounts are applied, the the amount saved on insurance for a Honda CR-V is 28% or $425.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2603,1877],[‘Age 30’, 1391,1013],[‘Age 40’, 1355,985],[‘Age 50’, 1237,897],[‘Age 60’, 1197,869],[‘Age 70’, 1461,1055]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Honda CR-V’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Bad driving habits will cost you more

The ideal way to snag cheap insurance for a Honda CR-V in Oregon is to be an attentive driver and avoid accidents and keep your driving record clean. The illustration below illustrates how violations and at-fault fender-benders can affect car insurance costs for different age groups. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2351,2897,4903],[‘Age 30’, 1629,2171,4179],[‘Age 40’, 1513,2057,4065],[‘Age 50’, 1325,1867,3873],[‘Age 60’, 1279,1825,3831],[‘Age 70’, 1489,2033,4039]]);var options = {title: ‘Effect of Tickets and Claims on Oregon Honda CR-V Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance in Oregon per year with a clean driving record and no accidents is $1,598. Add in two speeding tickets and the average cost swells to $2,142, an increase of $544 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda CR-V increases to an average of $4,148. That’s an increase of $2,551, or $213 per month, just for being a less-than-perfect driver!

Cheap Honda CR-V insurance quotes

You have many ways to compare cheaper insurance rates in Oregon, but the most prevalent methods are through a captive (or exclusive) agency like State Farm or Auto-Owners, an independent insurance agent, or from a direct company like Progressive. All three ways are similar, but they differ in how they work.

Independent insurance agencies work with multiple companies and can compare rates with every one. They are not employed by one specific company and can give you more rate choices, which can help you get a better overall rate comparison. If they find a lower price, they simply move your policy to a different company and you don’t have to switch agencies.

A captive or exclusive agent is only able to write business for a single company, two of the more popular are Allstate and Liberty Mutual agents. These agents are not able to quote rates from more than one company, so it’s a good idea to shop around.

Buying insurance direct means you forego an agent and instead buy direct online or over the phone from a company like Esurance or Geico. This option may be preferred by families who have an average risk profile and have knowledge of the limitations of their policy.

So which of the methods works best to buy cheap insurance for a Honda CR-V in Oregon? We wish we could say buying direct saves the most money since that eliminates agent commissions, but that turns out to not be true. We’d also like to say going through an independent agent can save the most money due to more options, but that assumption is also not accurate. In many circumstances, exclusive agents have really good rates that are the cheapest.

Since insurance rates vary so much, the only true way to ensure you are not overpaying is to do a thorough rate comparison. If you want to save money, get quotes from all three to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.

How to get cheap insurance for a Honda CR-V in Oregon

Lowering your rates is not difficult, and here are some of the recommended penny-pinching suggestions that can help drivers locate cheap car insurance.

• Do not waste money insuring older vehicles for full coverage
• Accidents can significantly increase rates
• Avoid getting tickets or violations
• Increase your policy deductibles
• Buy a vehicle with excellent safety ratings
• Good credit scores may make rates cheaper
• Comparison shop frequently

That final tip is very important, as we hit on in the article above. Coverage prices in Oregon adjust frequently, so drivers shouldn’t be reluctant to change to a new company if you find a better deal.

Sticking with a specific company is fine, but is isn’t recommended if that inflexibility results in costing you a lot of money every month. It only take a few minutes to compare rates and find cheaper auto insurance for a Honda CR-V.