Insurance for Honda CR-VWish you could get out of an overpriced car insurance policy? You're in good company because many Aurora consumers are in the same pinch.

A recent survey discovered that the vast majority of consumers have bought car insurance from the same company for a minimum of four years, and approximately 40% of consumers have never quoted car insurance rates at all. With the average premium in Colorado being $1,800, drivers could save themselves almost 35% a year, but they don't want to take the time to compare rates online.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a company and get the definite lowest rate on Honda CR-V insurance in Aurora.

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The quickest method to do a complete rate comparison consists of obtaining rate quotes online.

Doing online quotes comparisons is so easy that it makes it obsolete to make phone calls or go to insurance agencies in your area. Quoting and buying Honda CR-V insurance online can eliminate the need for a local agent unless your situation requires the professional guidance that only a licensed agent can provide. It is possible with some companies find lower rates online but have your policy serviced through an agent. Just keep in mind that getting more free quotes increases your odds of finding more affordable insurance. Not every company provides Aurora CR-V insurance quotes online, so it's important to also get prices from the smaller companies as well.

The companies in the list below can provide price comparisons in Colorado. If multiple companies are shown, we suggest you visit two to three different companies to get the cheapest price.

Honda CR-V Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $144 $272 $362 $22 $108 $908 $76
CR-V EX 2WD $146 $236 $298 $18 $90 $788 $66
CR-V LX 4WD $230 $368 $304 $18 $92 $1,012 $84
CR-V EX 4WD $160 $268 $388 $22 $116 $954 $80
CR-V EX-L 2WD $310 $376 $392 $24 $118 $1,220 $102
CR-V EX-L 4WD $310 $376 $392 $24 $118 $1,220 $102
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can increase or decrease coverage prices significantly.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is how high should your deductibles be. The rates shown below can help illustrate the rate differences between high and low policy deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table 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 $236 $376 $298 $18 $90 $1,043 $87
CR-V EX 2WD $236 $376 $298 $18 $90 $1,043 $87
CR-V LX 4WD $236 $376 $298 $18 $90 $1,043 $87
CR-V EX 4WD $272 $376 $298 $18 $90 $1,079 $90
CR-V EX-L 2WD $272 $376 $298 $18 $90 $1,079 $90
CR-V EX-L 4WD $272 $376 $298 $18 $90 $1,079 $90
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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 $192 $304 $298 $18 $90 $902 $75
CR-V EX 2WD $192 $304 $298 $18 $90 $902 $75
CR-V LX 4WD $192 $304 $298 $18 $90 $902 $75
CR-V EX 4WD $220 $304 $298 $18 $90 $930 $78
CR-V EX-L 2WD $220 $304 $298 $18 $90 $930 $78
CR-V EX-L 4WD $220 $304 $298 $18 $90 $930 $78
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in zip code location which can influence price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $12 more each month or $144 every year than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claim filings, you would save more money if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $77
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that higher deductibles results in a higher out-of-pocket expense if you have a claim. That will require some available funds in the event you need to pay the deductible for vehicle repair.

Auto insurance rates based on gender

The example below shows the difference between Honda CR-V insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.

Determine discounts to get cheap Aurora insurance quotes

Companies don't always publicize every policy discount in a way that's easy to find, so below is a list a few of the more common as well as some of the hidden discounts that you may qualify for.Save money with discounts

As a sidenote, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it's just not the way it works.

A partial list of companies that possibly offer some of the discounts shown above include:

It's a good idea to ask every insurance company which credits you are entitled to. All car insurance discounts may not apply to policyholders in Aurora. If you would like to view providers that offer the discounts shown above in Aurora, click here.

You Can Change Your Insurance Premiums

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but some are not as apparent like your vehicle usage and annual miles driven.

The items below are some of the factors utilized by car insurance companies to help set your rates.

Buying from insurance agents

Many drivers just prefer to sit down with an agent and that is just fine! The best thing about comparing rate quotes online is the fact that drivers can get cheap rate quotes and still have a local agent. And providing support for neighborhood agents is important especially in Aurora.

To help locate an agent, after submitting this short form, your coverage information gets sent to participating agents in Aurora who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to leave your house because quoted prices will be sent directly to your email. You can get cheaper auto insurance rates AND an agent nearby. If you need to compare rates for a specific company, feel free to find their quoting web page and fill out the quote form the provide.

Two types of auto insurance agents

If you need to find a reliable insurance agent, there are two different agency structures and how they differ in how they can insure your vehicles. Agents in Aurora are categorized either exclusive or independent (non-exclusive).

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel do not sell for just one brand and that allows them to write policies with multiple insurance companies and find you cheaper rates. If they find a lower price, they simply switch companies in-house and you don't have to do anything.

When comparing auto insurance prices, we recommend you get quotes from independent agents to have the best price comparison.

Below are independent insurance agencies in Aurora that may be able to provide free auto insurance rate quotes.

13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map

3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map

A All City Auto Insurance
9720 E Colfax Ave - Aurora, CO 80010 - (303) 364-0555 - View Map

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Exclusive Agents

Exclusive agencies write business for a single company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive agents are highly trained on the products they sell which helps them compete with independent agents.

Listed below are Aurora exclusive insurance agencies willing to provide price quote information.

15290 E 6th Ave #220 - Aurora, CO 80011 - (303) 364-8298 - View Map

15200 E Girard Ave Ste 4025 - Aurora, CO 80014 - (303) 696-2698 - View Map

18757 E Hampden Ave Ste 154 - Aurora, CO 80013 - (303) 792-3460 - View Map

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Finding a good car insurance agent shouldn't rely on just the premium amount. Any agent in Aurora should be willing to answer these questions.

Truth in auto insurance advertising

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all advertise the message that drivers will save a bundle if you just switch your policy. How do they all sell you cheaper insurance coverage?

All the different companies have strict underwriting profiles for the driver that will not have excessive claims. For example, this type of risk profile might be described as between the ages of 30 and 45, owns a home, and insures a new vehicle. Anybody who matches that profile will qualify for the lowest prices in Aurora and will probably cut their Honda CR-V insurance rates if they switch.

Insureds who don't qualify for those criteria will be charged a more expensive rate and this results in business going elsewhere. If you listen closely, the ads state "people that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to do a rate comparison at every renewal. It is just not possible to predict which insurance companies will be your best fit.

Be persistent to save money

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Affordable Honda CR-V insurance in Aurora is available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers don't offer online quoting and many times these regional insurance providers provide coverage only through independent insurance agencies.

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