Insurance rates Honda CR-V in DallasCutting costs on Honda CR-V insurance in Dallas is quite difficult for drivers who are new to online rate comparisons. Because there are so many insurers available, it can turn into a difficult challenge to find better prices on Honda CR-V insurance.

It's astonishing, but a large majority of consumers have bought insurance from the same company for a minimum of four years, and almost half have never even compared quotes to find cheap rates. With the average insurance premium being $2,680, Texas drivers could pocket roughly 70% a year, but they think it's difficult to compare rate quotes online.

It's a good habit to quote other rates as often as possible because prices change frequently. Despite the fact that you may have had the lowest rates on Honda CR-V insurance in Dallas at your last renewal you can probably find a lower rate today. You can find a lot of wrong information about CR-V insurance on the internet, but by reading this article, you're going to learn the easiest ways to quit paying high insurance rates in Dallas.

If you have coverage now, you will most likely be able to get lower rates using the following tips. These techniques will familiarize you with the most effective way to quote insurance. Nevertheless, Texas car owners need to learn how the larger insurance companies sell online because it can help you find the best coverage.

The easiest way to compare insurance rates in your area is to realize car insurance companies will pay a fee to provide you with a free rate quote. All consumers are required to do is spend a couple of minutes providing details such as types of safety features, whether your vehicle is owned or leased, if you have an active license, and if you're married. Your information gets transmitted to insurance carriers in your area and you receive quotes instantly to find the best rate.

To compare multiple company affordable Honda CR-V insurance rates now, click here and find out if you can get cheaper insurance in Dallas.

The companies shown below are ready to provide price quotes in Texas. In order to find the best car insurance in Texas, we recommend you get prices from several of them in order to get a fair rate comparison.

Honda CR-V Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $234 $376 $334 $20 $100 $1,064 $89
CR-V EX 2WD $318 $598 $438 $26 $130 $1,510 $126
CR-V LX 4WD $124 $218 $310 $18 $94 $764 $64
CR-V EX 4WD $282 $476 $366 $22 $110 $1,256 $105
CR-V EX-L 2WD $282 $476 $340 $20 $102 $1,220 $102
CR-V EX-L 4WD $230 $372 $422 $24 $126 $1,174 $98
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in vehicle location which can alter price quotes considerably.

Rate increases following a ticket or accident

The illustration below demonstrates how citations and accident claims can raise Honda CR-V car insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Comparison of policy deductibles

One frequently asked question is how high should your deductibles be. The rates shown below help summarize the cost difference when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible and the second rate chart uses a $500 deductible.

Honda CR-V insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $286 $486 $324 $20 $96 $1,237 $103
CR-V EX 2WD $286 $486 $324 $20 $96 $1,237 $103
CR-V LX 4WD $286 $486 $324 $20 $96 $1,237 $103
CR-V EX 4WD $328 $486 $324 $20 $96 $1,279 $107
CR-V EX-L 2WD $328 $486 $324 $20 $96 $1,279 $107
CR-V EX-L 4WD $328 $486 $324 $20 $96 $1,279 $107
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Honda CR-V insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $208 $328 $324 $20 $96 $976 $81
CR-V EX 2WD $208 $328 $324 $20 $96 $976 $81
CR-V LX 4WD $208 $328 $324 $20 $96 $976 $81
CR-V EX 4WD $240 $328 $324 $20 $96 $1,008 $84
CR-V EX-L 2WD $240 $328 $324 $20 $96 $1,008 $84
CR-V EX-L 4WD $240 $328 $324 $20 $96 $1,008 $84
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle location which can modify prices significantly.

Based on this data, using a $100 deductible costs approximately $22 more each month or $264 each year than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 18 months between claim filings, you would save more money if you choose a higher deductible. Here is a better example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $105
Average monthly premium for $500 deductibles (subtract): - $83
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that higher deductibles means you pay more out-of-pocket at claim time. You need to make sure you have enough extra money in the event you have to pay more to get your vehicle repaired.

Men versus women drivers and insurance cost

The diagram below shows the difference between Honda CR-V insurance premiums for male and female drivers. The information is based on no violations or claims, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Lower rates by qualifying for discounts

Auto insurance companies do not advertise every available discount very well, so we break down a few of the more well known as well as the least known credits that you can use to lower your rates. If they aren't giving you every credit possible, you could be saving more on your insurance.Save money with discounts

Don't be shocked that most discount credits are not given to the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, it's just not the way it works.

Companies and some of the premium reductions they offer are:

Before you buy a policy, ask all the companies what discounts are available to you. Depending on the company, some discounts may not be offered in every state.

How Your CR-V Insurance Costs are Determined

Many things are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as whether you are married or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine car insurance rates. If you know what impacts premium levels, this helps enable you to make changes that may reward you with better car insurance rates.

Shown below are a few of the "ingredients" utilized by car insurance companies to help set your rates.

Local Dallas insurance agents and insurance

Some consumers still prefer to get advice from a local agent and that is a personal choice. One of the benefits of getting online price quotes is the fact that you can find cheap rate quotes and still have an agent to talk to. Buying insurance from local insurance agents is important particularly in Dallas.

Insurance agency in DallasFor easy comparison, once you complete this form (opens in new window), the coverage information is transmitted to agents in your area who will give competitive quotes for your insurance coverage. It's much easier because you don't need to search for an agent since price quotes are sent directly to you. It's the lowest rates and work with a local agent. If you have a need to quote rates from a specific company, feel free to search and find their rate quote page and give them your coverage information.

When researching a good insurance agency, it's helpful to know the different types of agents from which to choose. Insurance agents in Dallas are either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Agents in the independent channel do not sell for just one brand and that gives them the ability to insure amongst many companies and potentially find a lower price. If your premiums go up, the agent simply finds a different carrier and you don't have to do anything. When searching for an agent, you should always compare prices from a couple of independent agencies to maximize your price options. Many can place coverage with additional companies that you may not be familiar with which can be an advantage.

Featured below is a list of independent agents in Dallas that may be able to provide price quotes.

More insurance agents

Exclusive Agents

These type of agents can only quote rates from one company such as State Farm, Allstate, or Farmers Insurance. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. These agents receive a lot of sales training on what they offer which helps them compete with independent agents. Many people choose to use an exclusive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.

Below is a list of exclusive agencies in Dallas willing to provide rate quotes.

More insurance agents

Picking the best insurance agency should include more criteria than just a cheap price. You should also get answers to these questions.

Cheaper insurance is out there

In this article, we presented some good ideas how to reduce Honda CR-V insurance car insurance rates online in Dallas. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding inexpensive Dallas auto insurance quotes. You may even discover the biggest savings come from some of the smallest insurance companies.

People switch companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, high prices or even lack of trust in their agent. No matter why you want to switch, finding a great new company is easier than you think.

Budget-friendly insurance in Dallas can be found from both online companies and from local agencies, and you need to comparison shop both to have the best selection. Some insurance providers do not offer rate quotes online and many times these regional carriers only sell coverage through independent agents.

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