Best Quotes for Honda CR-V Insurance in Cleveland

When searching for more affordable insurance, are you intimidated by the dozens of auto insurance companies that you can choose from? Lot’s of other people are too. Drivers have so many companies available that it can easily turn into a difficult mission to compare premium rates on Honda CR-V insurance. Lots of people think Cleveland is an awesome place to live, but expensive auto insurance premiums can make it very difficult to make ends meet.

Discount Honda CR-V insuranceIt’s an obvious statement that auto insurance companies want to keep you from shopping around. Consumers who compare other prices will most likely buy a new policy because there is a good chance of finding coverage at a cheaper rate. A study showed that people who faithfully checked for cheaper rates saved $3,400 over four years compared to policyholders who never shopped around for lower prices.

If finding the lowest price for auto insurance is why you’re here, then learning a little about the best ways to find and compare insurance can help simplify the process.

It’s important to know that having more price comparisons will enable you to find a better price. Some smaller insurers do not give online Cleveland CR-V insurance quotes, so you also need to get prices from them as well.

The companies in the list below have been selected to offer comparison quotes in Ohio. To buy cheap auto insurance in Cleveland, we recommend you visit several of them in order to get a fair rate comparison.

Affordable rates by taking advantage of discounts

Some insurance providers do not list all their discounts very clearly, so here is a list a few of the more common and also the lesser-known car insurance savings.Car insurance discounts

Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works.

The illustration below illustrates the difference between Honda CR-V auto insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no claims or violations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.

Car insurance companies who might offer these benefits may include but are not limited to:

If you need lower rates, check with every company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in Cleveland. If you would like to see a list of providers who offer car insurance discounts in Ohio, click here.

Honda CR-V insurance statistics and information

The rate information displayed below covers estimates of insurance prices for Honda CR-V models. Having a good understanding how auto insurance policy rates are calculated can help customers make smart choices when comparing insurance rates.

Honda CR-V Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $154 $266 $198 $12 $60 $690 $58
CR-V EX 2WD $154 $266 $198 $12 $60 $690 $58
CR-V LX 4WD $154 $266 $198 $12 $60 $690 $58
CR-V EX 4WD $178 $266 $198 $12 $60 $714 $60
CR-V EX-L 2WD $178 $266 $198 $12 $60 $714 $60
CR-V EX-L 4WD $178 $266 $198 $12 $60 $714 $60
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific garaging location which can modify insurance rates greatly.

Rate comparison for different deductibles

One of the most common car insurance questions is what deductibles to buy. The premium rates below show how much more rates are of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Honda CR-V insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $170 $290 $192 $12 $58 $747 $62
CR-V EX 2WD $170 $290 $192 $12 $58 $747 $62
CR-V LX 4WD $170 $290 $192 $12 $58 $747 $62
CR-V EX 4WD $196 $290 $192 $12 $58 $773 $64
CR-V EX-L 2WD $196 $290 $192 $12 $58 $773 $64
CR-V EX-L 4WD $196 $290 $192 $12 $58 $773 $64
Get Your Own Custom Quote Go

Honda CR-V insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $94 $152 $192 $12 $58 $508 $42
CR-V EX 2WD $94 $152 $192 $12 $58 $508 $42
CR-V LX 4WD $94 $152 $192 $12 $58 $508 $42
CR-V EX 4WD $108 $152 $192 $12 $58 $522 $44
CR-V EX-L 2WD $108 $152 $192 $12 $58 $522 $44
CR-V EX-L 4WD $108 $152 $192 $12 $58 $522 $44
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in zip code location which can revise auto insurance rates greatly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $20 more each month or $240 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 45 months between claim filings, you would come out ahead by selecting a higher deductible.

The diagram below demonstrates how deductible levels and can affect Honda CR-V insurance prices for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Car insurance rates by age and gender

The illustration below compares Honda CR-V car insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

What is the best car insurance company in Ohio?

Choosing a good quality company can be challenging considering how many different companies sell coverage in Cleveland. The ranking information below could help you analyze which car insurance providers you want to consider purchasing from.

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. GEICO
  8. Safeco Insurance
  9. Mercury Insurance
  10. Esurance

Top 10 Cleveland Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

What Determines Honda CR-V Insurance Costs?

Lots of things are used when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although others are less apparent such as your marital status or how safe your car is. A large part of saving on insurance is knowing a few of the rating criteria that play a part in calculating the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Shown below are a few of the things used by your company to calculate premiums.

More policies can equal more savings – Most insurance companies provide better rates to clients that purchase more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other Cleveland CR-V insurance rates to make sure you are getting the best deal.

Extra policy coverages can add up – Insurance policies have a lot of extra coverages that you can buy but may not be useful. Insurance for things like vanishing deductibles, accident forgiveness, and extra life insurance coverage may be costing you every month. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.

Coverage lapses raise rates – Not having insurance can get your license suspended and you will pay a penalty because you let your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance may earn you a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Ohio DMV.

Rural vs Urban Areas – Living in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. City drivers regularly have traffic congestion and a longer drive to work. Fewer drivers and short commutes translates into fewer accidents.

Performance impacts insurance costs – The performance of the vehicle you need to insure makes a significant difference in your premium level. The cheapest insurance rates are usually found on lower cost passenger cars, but that’s not the only thing that factors into the final price.

The data below assumes a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Honda CR-V insurance premiums compared to other vehicles that have different performance risks.

Long commutes cost more – The more you drive each year the more you will pay for insurance. A lot of insurance companies charge rates based upon how you use the vehicle. Cars not used for work or commuting cost less to insure than those used for commuting. Improper usage on your CR-V can cost quite a bit. Verify your insurance policy properly reflects the right rating data, because it can save money.

Your employer may affect rates – Did you know your career choice can influence rates? Careers like military generals, business owners, and accountants tend to pay the highest rates in part from intense work-related stress and extremely grueling work hours. Other jobs like farmers, athletes and performers pay the least.

Liability coverage is important – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Honda CR-V statistical loss data – Insurance companies take into consideration insurance loss statistics for every vehicle when determining insurance rates. Vehicles that the data determines to have higher frequency or amount of claims will have increased rates. The table below demonstrates the historical insurance loss data for Honda CR-V vehicles.

For each type of coverage, the claim amount for all vehicles combined as an average is set at 100. Numbers below 100 are indicative of better than average losses, while numbers above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

Insurance Loss Ratings for Honda CR-V Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda CR-V 4dr 2WD 68 81 58 93 86 77
Honda CR-V 4dr 4WD 69 82 69 90 87 78

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years