Would you like to save money by finding more affordable Honda CR-V insurance in Springfield? Having to pay for high-priced Honda CR-V insurance in Springfield can bleed your funds and force you to make tough financial choices.

Insurance quote for Honda CR-V in SpringfieldA recent study showed that over 70% of consumers kept buying from the same company for at least the last four years, and nearly the majority have never compared rate quotes at all. With the average premium in Missouri being $1,500, drivers could pocket approximately 25% a year by just comparing rate quotes, but they mistakenly think it's difficult to shop their coverage around. Big-name insurance companies like GEICO and Progressive all claim big savings with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

The easiest way to compare insurance rates in your area is to know the trick most larger insurance companies pay for the opportunity to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details including how old drivers are, if you're married, how you use your vehicles, and how much school you completed. The rating information gets sent immediately to many different companies and they return rate quotes very quickly.

To compare cheaper Honda CR-V insurance rates now, click here and see if a lower rate is available in Springfield.

The companies in the list below can provide comparison quotes in Missouri. If multiple providers are shown, we suggest you visit as many as you can to get the lowest price.

Honda CR-V Insurance Costs in Springfield, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $108 $176 $230 $14 $70 $598 $50
CR-V EX 2WD $196 $392 $274 $16 $82 $960 $80
CR-V LX 4WD $180 $286 $226 $14 $68 $774 $65
CR-V EX 4WD $110 $176 $256 $16 $76 $634 $53
CR-V EX-L 2WD $144 $180 $296 $18 $88 $726 $61
CR-V EX-L 4WD $176 $280 $238 $14 $72 $780 $65
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates significantly.

Should you raise deductibles?

A question often asked by Springfield drivers is how high or low should comp and collision deductibles be. The following insurance rates approximate how much more you'll pay of buying low and high comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $500 deductible.

Honda CR-V insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $180 $286 $226 $14 $68 $799 $67
CR-V EX 2WD $180 $286 $226 $14 $68 $799 $67
CR-V LX 4WD $180 $286 $226 $14 $68 $799 $67
CR-V EX 4WD $206 $286 $226 $14 $68 $825 $69
CR-V EX-L 2WD $206 $286 $226 $14 $68 $825 $69
CR-V EX-L 4WD $206 $286 $226 $14 $68 $825 $69
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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 $146 $230 $226 $14 $68 $684 $57
CR-V EX 2WD $146 $230 $226 $14 $68 $684 $57
CR-V LX 4WD $146 $230 $226 $14 $68 $684 $57
CR-V EX 4WD $168 $230 $226 $14 $68 $706 $59
CR-V EX-L 2WD $168 $230 $226 $14 $68 $706 $59
CR-V EX-L 4WD $168 $230 $226 $14 $68 $706 $59
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in specific zip code location which can alter prices considerably.

We can estimate from the data above that using a $250 deductible costs about $10 more each month or $120 for a full year than opting for the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 25 months between claim filings, you would come out ahead if you elect the higher deductible.

These discounts can reduce Honda CR-V insurance rates

Not too many consumers would say insurance is affordable, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but once in a while a discount must be asked about before they will apply.Cheaper insurance with discounts

While discounts sound great, it's important to understand that some credits don't apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, that's just not realistic.

Large insurance companies and some of the premium reductions they offer are included below.

Before you buy a policy, ask every company the best way to save money. Some discounts listed above might not be offered in Springfield. If you would like to view providers that offer discounts in Missouri, click here to view.

Insurance does more than just protect your car

Even though it's not necessarily cheap to insure a Honda in Springfield, paying for insurance may be required and benefits you in several ways.

The benefits of buying insurance outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is wasting up to $850 per year so it's very important to do a rate comparison once a year at a minimum to make sure the price is not too high.

How much car insurance do I need?

Always remember that when buying insurance from an agent or online, there really is no perfect coverage plan. Everyone's needs are different.Car insurance savings

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

When do I need to contact a local insurance agent?

Some consumers just want to talk to a local agent and that is not a bad decision Licensed agents can help you choose the best coverages and help you file claims. An additional benefit of comparing auto insurance online is that you can obtain cheaper car insurance rates and still buy from a local agent.

After filling out this simple form, your coverage information is submitted to companies in Springfield that provide free Springfield car insurance quotes for your insurance coverage. It's much easier because you don't need to search for an agent since price quotes are sent to the email address you provide. If you wish to get a price quote for a specific company, don't hesitate to visit that company's website and give them your coverage information.

Picking the best provider should include more criteria than just the price. Any agent in Springfield should be willing to answer these questions.

If you prefer to buy auto insurance from a good Springfield insurance agent, you should know the different types of agents and how they operate. Auto insurance agencies may be either independent or exclusive. Either can write auto insurance policies, but it's worth learning how they differ because it may have an impact on which agent you choose.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company like State Farm, Allstate and AAA. Exclusive agents are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates.

Below are Springfield exclusive insurance agencies willing to provide comparison quotes.

2442 E Madrid St - Springfield, MO 65804 - (417) 883-5692 - View Map

2905 S National Ave - Springfield, MO 65804 - (417) 881-2086 - View Map

1624 S Enterprise Ave - Springfield, MO 65804 - (417) 886-0500 - View Map

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Independent Auto Insurance Agents

These type of agents do not work for one specific company so as a result can place your coverage with an assortment of companies and get the cheapest rates. If your agent finds better pricing, your agent can switch companies and you stay with the same agent. If you need cheaper auto insurance rates, we recommend you contact several independent agencies to get the most accurate price comparison.

Listed below is a short list of independent agencies in Springfield that are able to give price quotes.

909 E Republic Rd c200 - Springfield, MO 65807 - (417) 885-1175 - View Map

3333 E Battlefield Rd #1000 - Springfield, MO 65804 - (417) 869-4601 - View Map

3003 E Chestnut Expy #700 - Springfield, MO 65802 - (417) 866-1717 - View Map

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