Insurance for Honda CR-VHow long has it been since you sat down and looked for lower-priced Honda CR-V insurance in Atlanta? Did you come to the realization that you have an overpriced auto insurance policy? Don't sweat it because there are many people just like you.

It's amazing but over 70% of drivers kept their coverage with the same auto insurance company for a minimum of four years, and about 40% of consumers have never compared rates with other companies. Georgia drivers can cut their rates by as much as $1,000 a year just by shopping around, but they think it's difficult to compare rates. Insurance companies such as GEICO, 21st Century and Progressive constantly bombard you with ad campaigns and it is challenging if not impossible to ignore the propaganda and effectively compare rates to find the best deal.

Why Informed Consumers Pay Less for Honda CR-V Insurance

A large part of saving on car insurance is knowing the different types of things that help determine the rates you pay for car insurance. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower premium levels.

Getting cheap Honda CR-V car insurance pricing is actually easier than you may think. You just need to take the time getting comparison quotes provided by online insurance companies.

Comparison shopping rate quotes online is easy and it makes it a waste of time to call or drive to and from local Atlanta insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless your situation requires the professional assistance only provided by licensed Atlanta agents. It is possible to price shop online but buy the policy through an agent.

The companies in the list below have been selected to offer price quotes in Georgia. If several companies are displayed, we suggest you compare several of them to get the best price comparison.

Honda CR-V Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $148 $244 $344 $20 $104 $860 $72
CR-V EX 2WD $264 $420 $334 $20 $100 $1,138 $95
CR-V LX 4WD $284 $568 $434 $26 $130 $1,442 $120
CR-V EX 4WD $212 $332 $378 $22 $114 $1,058 $88
CR-V EX-L 2WD $170 $244 $344 $20 $104 $882 $74
CR-V EX-L 4WD $274 $418 $452 $26 $136 $1,306 $109
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can decrease or increase rates considerably.

Does full coverage make sense?

The example below shows the comparison of Honda CR-V car insurance costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no specific rule that works best for making the decision to drop full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Honda CR-V replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few situations where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Deductible analysis

One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below may aid in understanding the rate fluctuation of buying low and high physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second price 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 $264 $420 $334 $20 $100 $1,163 $97
CR-V EX 2WD $264 $420 $334 $20 $100 $1,163 $97
CR-V LX 4WD $264 $420 $334 $20 $100 $1,163 $97
CR-V EX 4WD $304 $420 $334 $20 $100 $1,203 $100
CR-V EX-L 2WD $304 $420 $334 $20 $100 $1,203 $100
CR-V EX-L 4WD $304 $420 $334 $20 $100 $1,203 $100
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Honda CR-V insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $216 $340 $334 $20 $100 $1,010 $84
CR-V EX 2WD $216 $340 $334 $20 $100 $1,010 $84
CR-V LX 4WD $216 $340 $334 $20 $100 $1,010 $84
CR-V EX 4WD $248 $340 $334 $20 $100 $1,042 $87
CR-V EX-L 2WD $248 $340 $334 $20 $100 $1,042 $87
CR-V EX-L 4WD $248 $340 $334 $20 $100 $1,042 $87
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location which can decrease or increase auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $13 more each month or $156 a year than buying the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 19 months between claims, you would probably come out ahead if you opt for a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $99
Average monthly premium for $500 deductibles (subtract): - $86
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Switch companies and save? Really?

Georgia drivers get pounded daily by advertisements that claim the cheapest prices from the likes of Allstate and Progressive. They all say the same thing about savings if you change your auto insurance policy to them.

Is it even possible that every company can claim to save you money? This is the way they can do it.

Many companies give the best rates for the type of customer that will not have excessive claims. For example, a profitable customer may need to be between the ages of 30 and 50, has had continuous coverage, and insures a new vehicle. Someone who meets those qualifications will most likely get cheap prices and will cut their Honda CR-V insurance rates if they switch.

Potential insureds who cannot meet this stringent profile will get higher premium rates and this results in the customer buying from someone else. The ads state "people that switch" but not "everyone who gets a quote" will save that much if they switch. That's why insurance companies can confidently make it sound like they have such great premium rates. Different companies use different criteria so you really need to do a price quote comparison at every renewal. It's not possible to predict with any certainty which company will have the best car insurance rates at this point in time.

Why do I need car insurance?

Despite the high cost of buying insurance for a Honda CR-V in Atlanta, car insurance may be required and benefits you in several ways.

The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is wasting up to $750 every year so it's important to compare rates every year to ensure rates are inline.

Score discounts on Atlanta insurance

Insurance can cost an arm and a leg, but you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be manually applied before being credited. If you don't get every credit you deserve, you could be getting lower rates.Discount insurance

Discounts save money, but please remember that some of the credits will not apply to the whole policy. Most cut specific coverage prices like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you won't be that lucky. But any discount will help lower the amount you pay for coverage.

A few popular companies and a selection of discounts can be read below.

If you need affordable Honda CR-V insurance quotes, ask all the companies the best way to save money. Some discounts listed above might not be available to policyholders in Atlanta. For a list of insurance companies that offer the discounts shown above in Georgia, click here.

Are insurance agents obsolete?

Some consumers just prefer to buy from a local agent. Licensed agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing car insurance online is that you can obtain the lowest rates but still work with a licensed agent.

Find insurance agent in AtlantaTo help locate an agent, after submitting this simple form, the quote information gets sent to companies in Atlanta that provide free Atlanta car insurance quotes for your insurance coverage. It makes it easy because there is no need to even leave your home as quotes are delivered to you. In the event you want to get a price quote from a particular provider, feel free to search and find their rate quote page and complete a quote there.

Picking an insurer requires more thought than just a cheap quote. The answers to these questions are important, too.

When researching local Atlanta agents, you need to know there are two types of insurance agents and how they operate. Agencies in Atlanta can be classified as either independent agents or exclusive agents. Both types of agents can do a good job, but it's important to point out the difference between them since it can affect the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies write business for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on what they offer which helps them compete with independent agents.

Shown below are Atlanta exclusive agents who can help you get price quote information.

NE, 4246 Peachtree Rd NE #7 - Atlanta, GA 30319 - (404) 233-4847 - View Map

1465 Chattahoochee Ave NW #550 - Atlanta, GA 30318 - (678) 927-9977 - View Map

2030 Bolton Rd NW #200 - Atlanta, GA 30318 - (678) 705-5898 - View Map

More Atlanta agents

Independent Agencies or Brokers

Agents that elect to be independent do not have single company limitations so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If prices rise, the agent simply finds a different carrier which requires no work on your part.

If you are trying to find cheaper rates, it's recommended you get insurance quotes from independent agents so that you can do a thorough price comparison.

Below are Atlanta independent insurance agents that can give you comparison quotes.

3405 Piedmont Rd NE #500 - Atlanta, GA 30305 - (912) 355-4549 - View Map

193 Auburn Ave NE - Atlanta, GA 30303 - (404) 525-1600 - View Map

501 Pulliam St SW #514a - Atlanta, GA 30312 - (404) 474-6356 - View Map

More Atlanta agents

After talking to the agent and getting positive responses to any questions you have as well as a affordable price, chances are good that you have found a car insurance agent that meets the requirements to provide car insurance coverage.

Persistence pays off

While you're price shopping online, it's very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

Some auto insurance companies may not provide price quotes online and usually these regional insurance providers provide coverage only through local independent agents. Budget-conscious Honda CR-V insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection.

We just covered many ways to save on Honda CR-V insurance in Atlanta. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive Atlanta car insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. Smaller companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

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