Insurance for Honda CR-VLocating discount St. Louis Honda CR-V insurance quotes on the internet can be challenging for drivers new to comparing rates and buying car insurance on the internet. Since there are so many insurance companies available, how can St. Louis drivers even start to compare every possible option in order to find better prices?

Surprisingly, a recent survey revealed that over 70% of consumers have remained with the same car insurance company for a minimum of four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. St. Louis consumers could save approximately 25% a year just by getting comparison quotes, but they underestimate the actual amount they would save if they changed companies.

The most recommended method to compare rates for Honda CR-V insurance in St. Louis takes advantage of the fact car insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is provide details including if you have an active license, the ages of drivers, your job, and the type of vehicles you drive. Your insurance information gets sent immediately to many of the top insurers and they provide comparison quotes with very little delay.

To compare rates for your car now, click here and enter your coverage details.

The following companies provide price quotes in Missouri. If more than one company is shown, it's a good idea that you click on several of them to get the cheapest price.

Honda CR-V Insurance Price Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $86 $152 $218 $12 $66 $534 $45
CR-V EX 2WD $108 $206 $274 $16 $82 $686 $57
CR-V LX 4WD $222 $418 $306 $18 $92 $1,056 $88
CR-V EX 4WD $198 $334 $256 $16 $76 $880 $73
CR-V EX-L 2WD $186 $282 $306 $18 $92 $884 $74
CR-V EX-L 4WD $254 $418 $306 $18 $92 $1,088 $91
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in specific zip code location which can lower or raise insurance rates substantially.

Reckless driving habits raise auto insurance rates

The diagram below illustrates how traffic citations and accidents drive up Honda CR-V insurance rates for different insured age categories. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

How high should deductibles be?

The hardest decision when buying coverage is what deductibles to buy. The figures shown below may help you to understand the cost difference between high and low physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Honda CR-V insurance prices 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
Get Your Own Custom Quote Go
Honda CR-V insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $110 $180 $226 $14 $68 $598 $50
CR-V EX 2WD $110 $180 $226 $14 $68 $598 $50
CR-V LX 4WD $110 $180 $226 $14 $68 $598 $50
CR-V EX 4WD $128 $180 $226 $14 $68 $616 $51
CR-V EX-L 2WD $128 $180 $226 $14 $68 $616 $51
CR-V EX-L 4WD $128 $180 $226 $14 $68 $616 $51
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific location which can modify price quotes noticeably.

Based on this data, using a $250 deductible costs about $17 more each month or $204 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 44 months between claim filings, you would probably be better off if you choose the higher deductible.

Don't overlook these ten Honda CR-V insurance discounts

Auto insurance companies do not advertise all available discounts very well, so the list below details both the well known and also the more inconspicuous credits that may apply to you.Cheaper car insurance with discounts

As a footnote on discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

Large car insurance companies and some of the discounts can be read below.

Double check with each company the best way to save money. Some discounts may not apply to policies everywhere.

Three main reasons to buy insurance

Despite the high cost, maintaining insurance is not optional due to several reasons.

The benefits of having insurance definitely exceed the price paid, particularly for liability claims. Unknowingly, the average driver overpays as much as $850 per year so compare rate quotes every year to be sure current rates are still competitive.

Local St. Louis insurance agents

Some people still like to get advice from a local agent and often times that is recommended A good thing about getting online price quotes is the fact that drivers can get the lowest rates but still work with a licensed agent. Supporting small agencies is definitely important in St. Louis.

Insurance agents in St. LouisOnce you complete this short form, your insurance coverage information is instantly submitted to participating agents in St. Louis who will give competitive quotes for your insurance coverage. You never need to drive around since price quotes are sent to you. You can find better rates AND an agent nearby. If you have a need to get a price quote from a particular provider, you can always visit that company's website and give them your coverage information.

The type of auto insurance agent you choose is important

If you prefer to buy insurance from a reputable agency, it helps to know the two types of insurance agents from which to choose. Insurance policy providers can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that choose to be independent are not employed by any specific company and that allows them to write policies amongst many companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and that require little work on your part. When shopping rates, you should always include rate quotes from at least one independent agent to ensure the widest selection of prices. A lot of them also have access to companies that do not advertise much that can offer cheaper rates than bigger companies.

Listed below is a small list of independent agents in St. Louis who may provide free insurance rate quotes.

View more St. Louis agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only write with one company and some examples include AAA, Allstate, and State Farm. These agents are not able to place coverage with different providers so keep that in mind. Exclusive agencies are well trained in insurance sales and that can be a competitive advantage. Some people will only buy from the same agent for years partially due to high brand loyalty and the convenience of having all coverages with one company.

The following are exclusive insurance agents in St. Louis willing to provide price quotes.

View more St. Louis agents

Finding the right insurance agency requires more thought than just the bottom line cost. Here are some questions you might want to ask.

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, prosthetic devices, funeral costs and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as much as you can afford. Missouri state minimum liability requirements are 25/50/10 but drivers should carry more liability than the minimum.

UM/UIM Coverage

This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Honda CR-V.

Due to the fact that many Missouri drivers only purchase the least amount of liability that is required (Missouri limits are 25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy's liability coverage.

Auto collision coverage

Collision coverage covers damage to your CR-V from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible on your CR-V to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a bird, falling objects and rock chips in glass. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.