Cheap Insurance Quotes for a Honda CR-V in Nevada

Our staff writers always rib each other than when writing about auto insurance, the word affordable really should not be used as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Honda CR-V is just plain contradictory. Don’t let that bother you, though, because we will tell you how you can get car insurance that works with your budget.

The chances that you’ll find the cheapest auto insurance for a Honda CR-V in Nevada depends upon a very complex rating algorithm that uses multiple factors like whether you are a new or experienced driver, whether or not you have prior claims, and the deductible amount you use. Drivers on average will pay $760 a year for CR-V insurance, but that figure is a ballpark figure based on a 30-year-old single female that wants full physical damage coverage and $1,000 physical damage deductibles.

Chances are good that you’re not a 30-year-old female, possibly married instead of single, or maybe your CR-V doesn’t need comprehensive and collision coverage. Even a minor difference in rating variables or coverage information can cause large differences in the policy rate.

Auto insurance is unique to every driver, so your best chance at finding the most affordable coverage for your Honda is to comparison shop your policy at each renewal.

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The specific trim level tends to impact the coverage cost, so the rate you will pay to insure a CR-V LX 2WD trim level will cost $22 less than the cost to insure the high end CR-V EX-L 4WD trim level, as shown in the prices below.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in vehicle garaging location which can affect premiums greatly.

Comparing quotes for low-cost insurance is tough enough, and figuring out which company quotes the cheapest insurance rates for a Honda CR-V requires even more rate comparisons. Each auto insurance company uses their own calculation to determine rates, so first let’s look at the rankings for the most budget-friendly insurance companies in Nevada.

It’s important that readers know that Nevada insurance rates are based on many factors that will increase or decrease the cost of your policy. Simply getting older, increasing deductibles, or getting into an accident can trigger price changes that can now make some companies less affordable than competitors.

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Travelers offers some of the best car insurance rates in Nevada at around $912 per year. Allied, Capital, American Family, and Oregon Mutual also are some of the cheapest Nevada auto insurance companies.

As the rates illustrate above, if you have coverage with American Family and switched to Allied, you may see savings of in the vicinity of $261. Nevada drivers with Oregon Mutual could save as much as $272 a year, and GEICO customers might lower prices by up to $298 a year.

It’s important to note that these estimates are averages for all insureds and vehicles and and are not figured with a specific rate factor for a Honda CR-V. So the auto insurance company that is best for you may not even be featured in the above rate chart. That emphasizes why you need to compare as many prices as possible using your own specific driver information and vehicle.

Liability-only versus full coverage

Finding cheap insurance for a Honda CR-V in Nevada should be important to most vehicle owners, and one of the fastest ways to buy cheap insurance is to only pay for liability coverage. The illustration below shows the difference between insurance prices with full coverage compared to only the Nevada minimum liability coverage. The costs are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no policy discounts are applied.

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If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an additional $1,659 per year over having just liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no set guideline of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

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

Insurance providers that provide policies for a Honda CR-V may also provide special discounts that can reduce rates by 35% or more if you meet eligibility requirements. A few popular companies and their possible discounts are:

The information below compares insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims, a clean driving record, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, marriage, vehicle safety, claim-free, multiple vehicle, and multiple policy discounts applied. When discounts are factored in, the the amount saved on insurance for a Honda CR-V is % or $.

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Who has the cheapest Honda CR-V insurance quotes?

Consumers have many ways to find cheaper insurance in Nevada, but the three most common ways are through an exlusive agent such as Allstate or State Farm, a non-exclusive or independent agent, or from a direct company like Progressive or Geico. They all have the same basic principle, but insurance shoppers should know the differences in how they provide rate quotes.

Independent agencies write business for many companies and can get rate quotes from each one. Agents of this type are not employed by one specific company and can give you more rate choices, which can help you get a better chance of saving money. If a cheaper rate is found, they simply move your policy to a different company without having to get a different agent.

An exlusive, or captive, agency is usually just provide rates from a single company, examples being Liberty Mutual and Allstate agents. They are unable to give you multiple price quotes, so unless you get quotes from other companies, you cannot determine which is cheapest.

Buying from a direct company means do not use an independent or exclusive agent and instead shop from a direct company like Esurance. This option can be a good choice for families who have limited assets and have a good understanding of what coverages, limits, and deductibles they need.

So which method is best for finding cheap insurance for a Honda CR-V in Nevada? Most people would assume that buying direct results in the best prices because there is no agent involved, but that is generally not the case. And we’d like to say buying from an independent agent can save the most money since they can provide multiple quotes, but again, it’s not a sure thing. In many cases, exclusive agents have extremely competitive rates that other companies cannot beat.

Since insurance companies use so many rating factors, the guaranteed way to ensure you are not overpaying is to get quotes and compare. If you have the time, get rate quotes from independent agents, exclusive agents, and direct companies to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Find cheap insurance for a Honda CR-V in Nevada

Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help you get lower-cost car insurance.

• Too many claims can make car insurance unaffordable
• Insure your home and auto with the same company
• Get cheaper liability coverage by choosing a safer vehicle
• Full coverage is expensive so only insure older vehicles for liability only
• Raise comprehensive and collision coverage deductibles
• Good credit can help you save money
• Compare rates often to find the best deal

The last suggestion is certainly vital, as was pointed out in the prior information. Car insurance prices fluctuate constantly, so don’t hesitate to buy a policy from a new company if you can find a cheaper rate. Brand loyalty is great, but it’s not a good idea if that stubbornness costs you thousands of dollars over the life of your policy. In just a few minutes you could shop around to find cheaper insurance for a Honda CR-V.