Insurance rates Honda CR-V in San AntonioWould you like to buy more affordable Honda CR-V insurance in San Antonio? Do you get confused by the sheer number of auto insurance choices in San Antonio? Many other drivers are as well. Texas vehicle owners have so many choices available that it can quickly become more work than you anticipated to lower your auto insurance rates for Honda CR-V insurance in San Antonio. Everyone knows San Antonio is a great city to raise a family in, but getting gouged by high auto insurance rates makes it very hard to stay on budget.

Unimaginable but true, most auto insurance policyholders in Texas have been with the same company for a minimum of four years, and almost 40% of drivers have never even compared quotes to find lower-cost rates. American insurance shoppers can cut their rates by 47% a year by just shopping around, but they just don't understand how easy it is to shop around.

Smart consumers take time to do rate comparisons every six months because insurance prices change quite often. Even if you think you had the best deal on Honda CR-V insurance in San Antonio a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because we're going to demonstrate the quickest way to find the best coverage while lowering your premiums.

If you have a current car insurance policy, you will definitely be able to get lower rates using the tips covered below. This article will tell you how car insurance quotes work and also save some money in the process But Texas consumers do need to know how companies calculate their prices because it can help you find the best coverage.

Do you qualify for discounts on Honda CR-V insurance in San Antonio?

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Many discounts should be triggered at the time you complete a quote, but a few need to be specifically requested before you will receive the discount.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, you won't be that lucky.

To view companies that offer some of these discounts in Texas, click here to view.

Compare quotes for San Antonio Honda CR-V insurance

To find low cost rates, there are a couple of ways of comparing rates from lots of Texas insurance companies. The simplest method to find competitive Honda CR-V insurance rates is to jump online and get quotes. When comparing insurance rates, know that having more price comparisons helps improve the odds of finding more affordable rates.

The providers in the list below have been selected to offer price quotes in Texas. If you want to find cheaper car insurance in Texas, it's highly recommended you visit several of them to get the most competitive price.

Honda CR-V Insurance Rate Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $220 $404 $304 $18 $92 $1,038 $87
CR-V EX 2WD $222 $414 $310 $18 $94 $1,058 $88
CR-V LX 4WD $232 $404 $438 $26 $130 $1,230 $103
CR-V EX 4WD $226 $338 $304 $18 $92 $978 $82
CR-V EX-L 2WD $266 $404 $438 $26 $130 $1,264 $105
CR-V EX-L 4WD $364 $598 $438 $26 $130 $1,556 $130
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in specific San Antonio garaging location which can decrease or increase prices considerably.

Gender-based auto insurance rates by age

The example below shows the difference between Honda CR-V auto insurance costs for male and female drivers. The premiums assume no claims or violations, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.

Can higher deductibles save money?

The illustration below demonstrates how deductibles and can change Honda CR-V insurance costs for each age group. The rates are based on a married male driver, full coverage, and no policy discounts are applied.

Physical damage deductibles: Should you raise them?

One common question asked by San Antonio drivers is how high or low should comp and collision deductibles be. The following tables determine the differences in price between high and low coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Honda CR-V insurance 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 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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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location information which can influence premium rates considerably.

Based on these figures, using a $100 deductible costs approximately $22 more each month or $264 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 18 months between claims, you would save money if you elect the higher deductible.

Calculation for determining deductible levels

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

Do I need an insurance agency?

Certain consumers would rather go talk to an agent and that is OK! A good thing about comparing rate quotes online is you can get cheaper prices but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is especially important in San Antonio.

Insurance agents in San AntonioUpon completion of this form (opens in new window), your coverage information is instantly submitted to agents in your area that can give you free San Antonio auto insurance quotes to get your business. You don't have to find an agent on your own since rate quotes are delivered to you directly. Get lower rates and work with a local agent. If you want to compare rates from a specific company, you just need to navigate to their website and give them your coverage information.

The following are San Antonio auto insurance companies that may be able to provide rate quotes for Honda CR-V insurance in San Antonio.

More San Antonio agents

Selecting an provider should include more criteria than just the premium amount. These questions are important to ask:

After getting answers to your satisfaction to all your questions and inexpensive Honda CR-V insurance in San Antonio quotes, most likely you have located a company that is reputable and can service your policy.

Here's why insurance is not optional

Despite the high insurance cost for a Honda CR-V in San Antonio, buying insurance may not be optional for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in San Antonio overpays more than $865 each year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.

Learn about car insurance coverages for a Honda CR-V

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like dental work, chiropractic care, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Honda CR-V.

Since many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy's liability coverage.

Collision protection

Collision insurance will pay to fix damage to your CR-V resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible on your CR-V to save money on collision insurance.

Liability car insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 30/60/25 which means $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, court costs, attorney fees, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing higher limits.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, hitting a deer, damage from a tornado or hurricane and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Cover all your bases

When getting San Antonio auto insurance quotes online, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits and found out when filing a claim they didn't purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best cost.

We covered a lot of information how to shop for Honda CR-V insurance online. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates are with a small mutual company.

Drivers leave their current company for any number of reasons including denial of a claim, not issuing a premium refund, policy cancellation or even extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider can be less work than you think.

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