How Much are Insurance Quotes for a Honda CR-V in Alabama?

Your chances of finding cheap coverage for a Honda CR-V in Alabama depends on a complicated formula that considers factors such as whether or not your vehicle has good safety ratings, if you have ever let your policy lapse, and any prior driving offenses. Alabama drivers will pay on average $780 every 12 months for CR-V insurance, but that figure is a projection using rating data for a 30-year-old single male driver who needs full coverage including both comprehensive and collision and $1,000 deductibles.

More likely than not, you may not be 30 years old (or even male), married instead of single, or maybe you’ve had an at-fault accident or two. There is no perfect policy for every driver, so the most reliable way to find cheap car insurance rates for your Honda is to start the habit of comparing rates at least once a year.

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The trim level of your CR-V will most likely have an effect on the annual cost of coverage, so the rate you pay to insure a CR-V LX 2WD trim level will be $24 cheaper than the insurance cost for the higher-priced CR-V EX-L 4WD trim level, as shown in the chart below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific zip code location which can affect rates significantly.

Which insurance company is best in Alabama?

Choosing the right auto insurance provider can be challenging considering how many choices there are in Alabama. The information shown below may help you select which coverage providers to look at comparing rates from.

These ratings are only comprised of large insurance companies, so smaller companies that only insure vehicles in Alabama are not factored into this list. If you’d like to compare prices and find cheaper insurance for a Honda CR-V, click this link.

Top 10 Major Auto Insurance Companies in Alabama Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Honda CR-V Insurance in Alabama

Cost of full coverage in Alabama

Finding cheap insurance for a Honda CR-V in Alabama is probably important to most people, and one of the fastest ways to find cheaper insurance is to only buy liability coverage. The information below visualizes the comparison of insurance premiums with and without physical damage coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are applied to the premium.

If we average all the age groups together, physical damage insurance costs an extra $1,772 per year over and above liability coverage. At some point, every insured wonders when is the right time to remove full coverage. There is no exact formula for excluding full coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

Who has the cheapest Honda CR-V insurance quotes?

Consumers have many ways to find cheap insurance in Alabama, but the most prevalent are through an exlusive agent like Allstate or Auto-Owners, a non-exclusive or independent agent, or direct either online or via phone. Each way has the same basic steps, but each is different in how they function.

Independent insurance agencies can place your business with multiple companies and can get rate quotes from every one. Independent agents are not restricted to one company and can provide you with more rates, which may provide you with a better chance of finding cheaper coverage. If your premiums go up, they simply move your policy to a different company which prevents you from having to find a new agency.

An exclusive agent is only able to quote rates with one company such as an Allstate or Liberty Mutual agent. These agents normally cannot give you multiple price quotes, so if rates are high, they cannot give you alternative choices.

Direct insurance buyers forego an agent and instead shop buying direct from a company like Geico or Esurance. Buying direct may be good for families who do not need complex risk management and know more than average about what insurance covers and what it doesn’t.

Which method is best for finding cheap insurance for a Honda CR-V in Alabama? The obvious answer would be buying from a direct company saves the most money because you bypass the agent, but in reality, that argument does not hold true. And we’d like to say going through an independent agent guarantees the cheapest rates because they can shop around, but that’s not always true, either. In some circumstances, exclusive agencies may have prices that cannot be met by either independent or direct companies.

Because there is so much variation in insurance prices, the only true way to find out which one is cheapest is to compare, compare, and compare some more. Be sure to get price quotes all three ways to have a good selection of rates to choose from. For a list of companies with some of the cheapest Alabama insurance rates, click here to view.

Ideas to find more affordable car insurance for a Honda CR-V

Below you’ll find a few penny-pinching suggestions that can help Alabama drivers get cheap coverage.

• Safe vehicles cost less to insure
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Try to pay small claims out-of-pocket
• Avoid preventable accidents
• Good credit can help you save money
• Shop around once a year for cheaper rates

That last tip is notably valuable, as we pointed out in this write-up. Car insurance prices in Alabama vary greatly, so don’t be unwilling to change to a new company if a better rate can be found.

Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty ends up costing money that could be going to better use. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Honda CR-V.