Save Money on Honda CR-V Insurance in Boston

Insurance quote for Honda CR-V in BostonIf saving the most money is your goal, then the best way to find better pricing on Honda CR-V insurance is to start doing a yearly price comparison from companies that insure vehicles in Boston. You can shop around by following these guidelines.

  1. Learn about individual coverages and the factors you can control to drop your rates. Many risk factors that cause high rates like your driving record and poor credit history can be eliminated by improving your driving habits or financial responsibility. This article provides additional ideas to help prevent high rates and find discounts that may have been missed.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
  3. Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your current company of your intention to cancel your current coverage and submit payment along with a signed and completed policy application to the newly selected company. Don’t forget to safely store the proof of insurance certificate in your vehicle.

A tip to remember is to use the same liability limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. Doing this helps ensure an accurate price comparison and a complete rate analysis.

We don’t have to tell you that insurance companies want to keep you from comparing prices. Consumers who shop for lower prices are inclined to move their business because the odds are good of finding good coverage at a lower price. A recent survey found that consumers who shopped around saved over $850 each year as compared to drivers who never shopped around for cheaper prices.

If finding low prices for car insurance in Boston is why you’re reading this, then having some knowledge of how to shop for insurance coverage can make it simple to find affordable coverage.

Buying the cheapest car insurance in Boston can be much easier if you know how to start. If you have a policy now, you should be able to find better prices using these tips. Consumers just need to know how to shop for car insurance online from multiple companies.

The following companies are our best choices to provide free quotes in Massachusetts. If you want to find cheap auto insurance in Boston, it’s a good idea that you get prices from several of them in order to find the cheapest rates.

Car insurance statistics for a Honda CR-V

The price information shown below highlights a range of insurance policy prices for Honda CR-V models. Having a good understanding how premiums are calculated can assist in making informed coverage decisions.

Honda CR-V Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $228 $392 $292 $18 $88 $1,018 $85
CR-V EX 2WD $228 $392 $292 $18 $88 $1,018 $85
CR-V LX 4WD $228 $392 $292 $18 $88 $1,018 $85
CR-V EX 4WD $262 $392 $292 $18 $88 $1,052 $88
CR-V EX-L 2WD $262 $392 $292 $18 $88 $1,052 $88
CR-V EX-L 4WD $262 $392 $292 $18 $88 $1,052 $88
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in your specific Boston location which can revise price quotes substantially.

Physical damage deductibles

One common question asked by Boston drivers is how high should your deductibles be. The following insurance rates may aid in understanding the differences in premium rates of buying low and high coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Honda CR-V insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $224 $358 $284 $16 $86 $993 $83
CR-V EX 2WD $224 $358 $284 $16 $86 $993 $83
CR-V LX 4WD $224 $358 $284 $16 $86 $993 $83
CR-V EX 4WD $258 $358 $284 $16 $86 $1,027 $86
CR-V EX-L 2WD $258 $358 $284 $16 $86 $1,027 $86
CR-V EX-L 4WD $258 $358 $284 $16 $86 $1,027 $86
Get Your Own Custom Quote Go

Honda CR-V insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $182 $288 $284 $16 $86 $856 $71
CR-V EX 2WD $182 $288 $284 $16 $86 $856 $71
CR-V LX 4WD $182 $288 $284 $16 $86 $856 $71
CR-V EX 4WD $210 $288 $284 $16 $86 $884 $74
CR-V EX-L 2WD $210 $288 $284 $16 $86 $884 $74
CR-V EX-L 4WD $210 $288 $284 $16 $86 $884 $74
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in zip code location which can change auto insurance rates significantly.

Based on the figures above, using a $250 deductible costs about $12 more each month or $144 every year than requesting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 21 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Car insurance rates by age and gender

The example below shows the comparison of Honda CR-V auto insurance rates for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Here’s why auto insurance is not optional

Despite the high cost of buying insurance for a Honda CR-V in Boston, maintaining insurance is required by state law in Massachusetts and it also provides benefits you may not be aware of.

The benefits of buying auto insurance definitely exceed the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays more than $800 each year so shop around at every policy renewal to ensure rates are competitive.

You Can Change Your Insurance Costs

When buying insurance it’s important to understand some of the elements that come into play when calculating the price you pay for insurance. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in cheaper rates. Many things are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are less obvious like your vehicle usage or your commute time.

The items below are most of the major factors utilized by car insurance companies to help set your prices.

Special considerations

Keep in mind that when it comes to choosing your policy, there is no one size fits all plan. Each situation is unique and your auto insurance should unique, too.Higher deductibles save money
Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Final considerations

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Some companies may not have the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agents. Affordable Honda CR-V insurance in Boston can be found both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

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