Finding economical auto insurance for a Honda CR-V in Colorado depends on a lot of rating criteria such as how many miles you drive each year, your credit rating, and any driving offenses on your record. Drivers in Colorado will pay around $684 a year for CR-V insurance, but that amount is a projection based on a 30-year-old married female driver with full coverage and $1,000 deductibles.
Odds are that you are not 30 and maybe not even a female, maybe you are single instead of married, and you need different coverage limits than the sample rates. Have just a small change in the rating criteria used to formulate rates can result in a big discrepancy in rates.
This illustrates why the way we recommend to find the cheapest coverage for your Honda is to just compare rates yourself. It only takes a couple of minutes and you will receive rate quotes from some of the best companies around.
Your Honda’s trim level impacts the cost of insurance, so the price you pay to insure a CR-V LX 2WD will be $20 cheaper than the price to insure the more costly CR-V EX-L 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$142||$232||$304||$18||$92||$788||$66|
|CR-V EX 2WD||$142||$232||$304||$18||$92||$788||$66|
|CR-V LX 4WD||$142||$232||$304||$18||$92||$788||$66|
|CR-V EX 4WD||$162||$232||$304||$18||$92||$808||$67|
|CR-V EX-L 2WD||$162||$232||$304||$18||$92||$808||$67|
|CR-V EX-L 4WD||$162||$232||$304||$18||$92||$808||$67|
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Aurora which can change coverage prices significantly.
Choosing the top insurer is difficult considering how many different companies insure vehicles in Colorado. The company ratings shown below could help you pick which providers you want to consider when looking for cheaper rates. These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Colorado are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Aurora Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
The information below demonstrates how deductibles can affect insurance costs when quoting cheap insurance for a Honda CR-V. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.
A 40-year-old driver could lower their car insurance rates by $240 a year by switching from a $100 deductible to a $500 deductible, or save $362 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save up to $594 each year just by using higher deductibles.
When choosing a higher deductible, it will be important to have additional funds squirreled away to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discounts on Aurora car insurance rates
Insurance providers that sell policies for a Honda CR-V could also offer discounts that could potentially reduce rates by 30% or more if you can meet the requirements. A list of car insurance companies and a selection of discounts are detailed below.
- American Family may include discounts for bundled insurance, multi-vehicle, Steer into Savings, air bags, and defensive driver.
- Nationwide has discounts for business or organization, Farm Bureau membership, multi-policy, anti-theft, accident-free, and good student.
- MetLife may have discounts that include defensive driver, good student, good driver, accident-free, and claim-free.
- 21st Century offers discounts for homeowners, driver training, student driver, teen driver, air bags, 55 and older, and automatic seat belts.
- Farmers Insurance offers discounts including teen driver, bundle discounts, switch companies, youthful driver, business and professional, multi-car, and electronic funds transfer.
- Allstate policyholders can earn discounts including 55 and retired, premier discount, good payer, economy car, and FullPay discount.
The information below illustrates the comparison of auto insurance costs with and without policy discounts. The price estimates are based on a female driver, no claims or violations, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, vehicle safety, accident-free, marriage, passive restraint, and defensive driving course discounts applied. In this example, theaverage yearly reduction on car insurance for a Honda CR-V is 28% or $392.
How to find the cheapest auto insurance for a Honda CR-V
Below you’ll find some penny-pinching ideas that can help Aurora drivers find cheaper coverage.
- Being accident-free can lower rates significantly
- Do not pay for full coverage on older vehicles
- Choose a safer vehicle and pay lower rates
- Having too many claims will increase rates substantially
- Do not get tickets
- Home or renters coverage can save on auto insurance
- Compare rates and switch if you can find a better deal
The last tip in the list is extremely important, as was noted in the prior information. Prices charged by car insurance companies adjust often, so you should be ready to buy a different policy if a cheaper rate is available.
Sticking with a specific company is fine, but it’s not recommended if that inflexibility results in costing you hundreds every year. Now is a great time to shop around to find cheaper insurance for a Honda CR-V in Aurora.