Discount Honda CR-V insuranceAre you overwhelmed by the sheer number of insurance companies in Fort Collins? Many other drivers are as well. There are so many choices that it can be hard work to compare insurance rates on Honda CR-V insurance. Fort Collins has lots to offer, but trying to pay high insurance rates can make it hard for many residents to pay for enough insurance coverage.

It's hard to believe, but most insurance policyholders have purchased from the same company for four years or more, and almost 40% of drivers have never compared rates to find lower-cost insurance. The average driver in Fort Collins could save themselves 35% a year by just comparing quotes, but they don't want to take the time to compare rate quotes.

Companies offering Honda CR-V insurance in Colorado

The companies shown below can provide free rate quotes in Fort Collins, CO. If multiple providers are shown, we suggest you get price quotes from several of them to get the cheapest price.

Honda CR-V Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $150 $258 $286 $16 $86 $796 $66
CR-V EX 2WD $226 $440 $314 $18 $94 $1,092 $91
CR-V LX 4WD $148 $252 $280 $16 $84 $780 $65
CR-V EX 4WD $336 $552 $404 $24 $120 $1,436 $120
CR-V EX-L 2WD $264 $368 $304 $18 $92 $1,046 $87
CR-V EX-L 4WD $130 $196 $280 $16 $84 $706 $59
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can increase or decrease auto insurance rates substantially.

Deductible comparison

The example below highlights how deductible choice and can impact Honda CR-V insurance prices for each age group. The data assumes a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Determine discounts on Fort Collins car insurance

Companies do not advertise every discount they offer in a way that's easy to find, so the list below gives a summary of some of the more common and the harder-to-find credits available to lower your premiums when you buy Fort Collins car insurance online.Car insurance discounts

While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts should help reduce your premiums.

A list of car insurance companies and some of their more popular discounts are included below.

If you need lower rates, check with all the companies what discounts are available to you. Some discounts listed above may not be available everywhere. To see insurance companies that offer multiple discounts in Fort Collins, follow this link.

How Your CR-V Insurance Prices are Determined

When buying insurance it's important to understand some of the factors that go into determining your insurance rates. If you understand what determines base rates, this enables informed choices that may reward you with lower rates.

The factors shown below are some of the factors used by companies to determine prices.

Driving citations hurt - Being a careful driver influences premium rates substantially. Attentive drivers get better prices as compared to those with violations. Only having one speeding ticket or other violation can bump up the cost by as much as thirty percent. Drivers who have dangerous tickets like DUI or willful reckless driving may find that they have to to complete a SR-22 with their state in order to drive a vehicle legally.

Keep the miles off and save - The more miles you rack up on your Honda annually the higher the price you pay to insure it. Most insurance companies charge rates based on their usage. Cars not used for work or commuting receive better premium rates compared to those used for work or business. It's a good idea to make sure your policy correctly shows how each vehicle is driven. An incorrectly rated CR-V may be costing you.

Don't buy add-on coverages you don't need - Insurance policies have a lot of optional add-on coverages that you can get tricked into buying on your CR-V policy. Coverage for things like rental car reimbursement, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.

Are males or females drivers cheaper? - Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. Women and men have fender benders in similar numbers, but men have accidents that have higher claims. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.

Honda CR-V claim probability - Insurance companies analyze claim trends for every vehicle to calculate a rate that offsets possible losses. Vehicles that statistically have higher losses will be charged more to insure. The table below shows the insurance loss data used by companies for Honda CR-V vehicles.

For each insurance policy coverage type, the claim amount for all vehicles averaged together is set at 100. Percentage numbers below 100 indicate better than average losses, while values over 100 indicate more frequent losses or an increased chance of a larger loss.

Auto Insurance Loss Data for Honda CR-V Models

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
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

How do I know if I need professional advice?

When selecting proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that.Safe vehicles cost less to insure For example, these questions might help in determining if you might need an agent's assistance.

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

What if I want to buy from local Fort Collins auto insurance agents?

Some consumers prefer to get professional advice from a licensed agent and doing so can bring peace of mind The biggest benefit of getting free rate quotes online is the fact that drivers can get lower rates but also keep your business local. Buying insurance from neighborhood insurance agencies is important particularly in Fort Collins.

For easy comparison, once you complete this form (opens in new window), the coverage information gets sent to companies in Fort Collins that provide free Fort Collins car insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to do any legwork as quotes are delivered to you directly. You can most likely find cheaper rates without a big time investment. If for some reason you want to quote rates from one company in particular, you can always navigate to their website and complete a quote there.

If you prefer to buy car insurance from a reliable insurance agent, there are a couple of different types of agencies and how they work. Fort Collins agents are either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Agents that choose to be independent are not locked into one company and that enables them to quote your coverage amongst many companies and get you the best rates possible. If they quote lower rates, your agent can switch companies without you having to go to a different agency. When comparing rate quotes, we recommend you include price quotes from at a minimum one independent agency in order to compare the most rates. A lot of them also have access to additional companies that you may not be familiar with which can save you money.

The following are Fort Collins independent agencies who may provide rate quotes.

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Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. These agents are usually quite knowledgeable on their company's products which helps overcome the inability to quote other rates. Some consumers prefer to buy from exclusive agents mostly because of the brand legacy and strong financial ratings.

Listed below are exclusive insurance agencies in Fort Collins that can give you price quotes.

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Finding the right insurance agent is decision based upon more than just a cheap price. Any good agent in Fort Collins should know the answers to these questions.

After receiving satisfactory answers to these questions and an affordable coverage quote, you have narrowed it down to an insurance agency that can be trusted to properly insure your vehicles. Keep in mind it's your coverage and you can cancel your coverage whenever you wish so don't feel you're contractually obligated to your new company with no way out.

Smart consumers save more

Budget-conscious Honda CR-V insurance can be sourced online and also from your neighborhood Fort Collins agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not provide online quoting and these smaller providers provide coverage only through independent insurance agents.

You just read a lot of techniques to find affordable Honda CR-V insurance in Fort Collins. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with some of the smallest insurance companies. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

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