Cheap Insurance Quotes for a Honda CR-V in Idaho

Our editors always tell us that when writing about auto insurance, the word cheap should never be used anywhere in the article to describe car insurance rates. Despite the oxymoron, cheap car insurance for a Honda CR-V can seem impossible to find. But don’t let that discourage you, because we are going to tell you how you can still get coverage that works with your budget.

The chances of finding affordable coverage for a Honda CR-V in Idaho is contingent on a complex formula that considers things like if you are single or married, if you have ever let your policy lapse, and physical damage deductibles. Drivers pay on average $460 every 12 months to insure their CR-V, but that is that uses rate data for a 30-year-old married female that purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

When projecting a rate like this, the problem is that you’re not a 30-year-old female, maybe you are single instead of married, and you probably do not live in the same zip code as the example. The different assumptions illustrate why the best method for finding the cheapest rates for your Honda is to regularly compare rates at renewal. In just a couple of minutes you will be able to see rates from the best auto insurance companies that insure vehicles in Idaho.

Find Cheaper Honda CR-V Insurance

Your vehicle’s trim level tends to have a direct impact on the coverage cost, so the price you pay to insure a CR-V LX 2WD trim level will be $14 cheaper than the price to insure the higher-end CR-V EX-L 4WD version, as shown in the chart below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in garaging location in Idaho which can lower or raise premiums significantly.

Finding reliable, reasonably-priced auto insurance is not the easiest thing to do, and figuring out which companies offer the most affordable car insurance rates for a Honda CR-V will involve even more perseverance.

Each auto insurance company uses their own calculation for determining prices, so to begin we’ll rank the most budget-friendly car insurance companies in Idaho. It’s important that you understand Idaho car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. This price fluctuation is why it is critical to perform an extensive rate comparison when trying to find the most budget-friendly insurance rates for a Honda CR-V. Car insurance prices are impacted by many different factors and can change without notice, so the most economical option the last time you checked may now be an over-priced policy.

Best Auto Insurance Prices for Your Honda

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American National generally has some of the most affordable car insurance rates in Idaho at around $244 each year. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers also make the cut as some of the more affordable Idaho insurance companies.

In the rate table above, if you currently have coverage with Oregon Mutual and switched to USAA, you could realize savings of about $136. Customers with Travelers may save as much as $171 a year, and American Family customers might reduce rates by $184 a year.

To see if your current coverage is too expensive, click here to get quotes or quote rates from the companies below.

Be aware that those rates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Honda CR-V. So the auto insurance company that has the cheapest rates for you may not even be featured in the list above. That emphasizes why you need to get car insurance quotes using your own driver data and vehicle information.

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

Insurance companies that offer cheap quotes for a Honda CR-V may have price discounts that can reduce rates by as much as 30% if you can meet the requirements. Larger car insurance companies and the discounts they provide are shown below.

The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the policy rates. The data assumes a male driver, no accidents, no driving violations, Idaho state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, vehicle safety, multiple vehicle, anti-theft, accident-free, and multiple policy discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for a Honda CR-V is % or $.

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The chart below demonstrates how choosing different deductibles can impact annual premium costs when getting quotes for cheap insurance for a Honda CR-V. The prices are based on a married male driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2007,1835,1641,1459],[‘Age 30’, 1063,971,865,761],[‘Age 40’, 1019,935,837,741],[‘Age 50’, 933,855,767,683],[‘Age 60’, 915,839,751,671],[‘Age 70’, 1049,967,875,789]]);var options = {title: ‘Effect of Deductibles on Honda CR-V Insurance Rates in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their policy premium by $166 a year by increasing from a $100 deductible to a $500 deductible, or save $250 by using a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices as much as $548 annually just by choosing larger deductibles.

When increasing deductibles, it is necessary to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.