Cheap Insurance for a Honda CR-V in Nebraska

Our editors keep telling us that when writing about car insurance, the word cheap should not be used anywhere in the article. Regardless, cheap car insurance for a Honda CR-V is just plain contradictory. But don’t let us ruin your dream, because we can show you some ways you can quote and buy car insurance that you can fit into your budget.

The odds of finding affordable insurance for a Honda CR-V in Nebraska hinges on many rating criteria like whether you are male or female, the likelihood of your vehicle being stolen, and your driving record. Drivers pay on average $660 each year for CR-V insurance, but that cost is a ballpark figure that uses rate data for a 50-year-old married male driver that has both comprehensive and collision coverage and $250 policy deductibles.

It’s more than likely that you aren’t exactly 50 years old or even a male, single instead of married, and you possibly have other drivers on your policy that need factored in. There is no “one size fits all” policy, so the only real way to find the cheapest insurance price for your Honda is to compare as many rates as possible.

Cheapest Honda CR-V Insurance Rates

Your Honda’s trim level will influence the yearly cost, so the price to insure a CR-V LX 2WD model will be $22 less expensive the price to insure the fancier CR-V EX-L 4WD model, as shown in the prices below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific Nebraska garaging location which can revise prices greatly.

Deciding which company has the best auto insurance rates for a Honda CR-V may require a little more sweat than just picking a company at random. Every car insurance company uses different criteria to set policy rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in Nebraska.

We do need to point out that Nebraska auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Getting older, marrying your spouse, or getting a speeding ticket can trigger price changes that can now make some companies affordable when they were higher priced.

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Safeco may offer some of the lowest car insurance rates in Nebraska at around $780 a year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also be considered some of the best Nebraska car insurance companies.

As depicted above, if you have coverage with The Hartford and switched to Safeco, you could earn a yearly savings of around $67. Policyholders with Auto-Owners could save as much as $125 a year, and Allied customers might reduce rates by $169 a year.

Understand that those policy prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Honda CR-V. So the insurer that has the cheapest price for you may not even be featured in the rate chart shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on cheap insurance for a Honda CR-V in Nebraska

Auto insurance companies that offer quotes for a Honda CR-V could also offer special discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A list of auto insurance companies and a partial list of their discounts can be found below.

The illustration below shows the difference between insurance costs with and without discounts applied. The premiums are based on a male driver, no violations or accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, anti-theft, homeowner, multiple policy, marriage, and defensive driving course discounts applied. With discounts applied, the the average amount saved on auto insurance for a Honda CR-V is 32% or $743.

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Irresponsible driving raises your rates

A great way to enjoy cheap insurance for a Honda CR-V in Nebraska is to pay attention while driving and have a clean driving record. The diagram below highlights how speeding tickets and at-fault fender-benders raise premium costs for each different age group. The information is based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1563,1739,3355],[‘Age 30’, 1085,1265,2881],[‘Age 40’, 1077,1255,2873],[‘Age 50’, 949,1129,2743],[‘Age 60’, 903,1085,2699],[‘Age 70’, 975,1153,2767]]);var options = {title: ‘Impact of Violations and Accidents on Nebraska 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 Nebraska’,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 chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,092. Get one speeding ticket and the average cost jumps to $1,271, an increase of $179 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Honda CR-V goes up to an average of $2,886. That’s an increase of $1,794, or $150 per month, just for not maintaining a clean driving record!

State Farm, Geico, Progressive, and Allstate: Who is cheapest?

When it comes to buying insurance for a CR-V in Nebraska, four companies to consider are State Farm, Geico, Progressive, and Allstate. When combined, they make up almost half of all auto insurance written. The data below ranks pricing and service ratings, as well as optional policy coverages that policyholders can buy.

Who has the cheapest Honda CR-V insurance quotes?

Drivers have many ways to find affordable auto insurance in Nebraska, but the three most common ways are through an exclusive insurance agent like Allstate or Auto-Owners, an independent insurance agent, or from a direct company like Geico or Progressive.

Each way has the same basic process, but auto insurance shoppers should know the differences in how they provide rate quotes.

Independent agents can place your business with multiple companies and can compare rates with each one. Independent agents are not limited to a single company and can give you a larger rate selection, which may give you a better chance of finding cheaper coverage. If they quote lower rates, it’s easy for the agent to move the policy which prevents you from having to switch agents.

Exclusive agents are restricted to one insurance company like a Farmers or Allstate agent. Exclusive agents cannot quote rates from more than one company, which requires you to shop around.

The last way is buying direct, which means you forego an agent and instead buy from a direct company like Esurance or Geico. This option may be preferred by drivers who have lower risk management needs and know more than average about what auto insurance covers.

Which way works best for finding cheap insurance for a Honda CR-V in Nebraska? The obvious answer would be shopping direct saves money because you bypass the agent, but that is generally not the case. An argument could also be made that using an independent agent is the best way since there are more companies to choose from, but again, that’s not a true statement. In many cases, exclusive agencies have very competitive rates that independents and direct companies can’t touch.

Since auto insurance prices vary so much, the best method to buy the cheapest policy is to get as many comparison quotes as possible. It’s recommended that drivers get price quotes all three ways to have enough rates to compare. For a list of auto insurance companies with low rates, click here to view.