Cheapest Insurance for a Honda CR-V in Pittsburgh

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Has it been over a year since you last compared quotes for lower-priced insurance rates in Pittsburgh, PA? Pittsburgh consumers have many options when looking for the best price on Honda CR-V insurance. They can either waste time driving around getting price quotes or utilize the internet to find the lowest rates. There is a better way to shop for insurance so you're going to learn the absolute fastest way to get price quotes for your Honda and obtain the best price possible from Pittsburgh insurance agents and online providers.

Discount Honda CR-V insuranceIt's a known fact that auto insurance companies don't want you to look for a cheaper policy. Drivers who shop around will presumably switch companies because there is a high probability of getting low-cost coverage. A recent survey discovered that people who regularly compared price quotes saved over $70 a month compared to drivers who never shopped around.

If finding the lowest price on car insurance in Pittsburgh is the reason you're reading this, understanding how to compare cheaper coverage can help you be more efficient.

It's smart to compare prices on a regular basis since insurance rates are usually higher with each renewal. Even if you got the best deal on Honda CR-V insurance in Pittsburgh last year a different company probably has better prices today. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

Insurance Premium Influencing Factors

It's important that you understand a few of the rating criteria that help calculate your insurance rates. If you understand what influences your rates, this enables informed choices that may result in big savings. Multiple criteria are taken into consideration when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are not quite as obvious like your vehicle usage or your commute time.

The list below includes some of the factors used by companies to determine rates.

  • High coverage deductibles cost less - The deductibles you choose define the amount you are required to spend if a covered claim is submitted. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims would be collision with another vehicle, damage from fire, and damage caused by road hazards. The more of the claim you have to pay, the lower your rates will be.
  • Extra policy coverages are wasting money - Insurance companies have many additional extra coverages that you can get tricked into buying if you aren't careful. Coverage for things like coverage for rental cars, towing coverage, and additional equipment coverage may be wasting your money. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
  • Where you live factors in - Residing in a small town is a good thing when shopping for auto insurance. People in densely populated areas have more aggressive driving styles and more time behind the wheel. Lower population translates into fewer accident claims and a lower car theft rate.
  • Employer can influence rates - Occupations like judges, social workers, and miners are shown to have the highest average rates attributed to high stress and long work hours. Other careers such as farmers, students and retirees have lower than average premiums.
  • Claims statistics for a Honda CR-V - Insurance companies use statistical claims data to calculate a price that offsets possible losses. Models that tend to have higher number or severity of losses will have a higher cost to insure.

    The table below outlines the loss history for Honda CR-V vehicles. For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is set at 100. Values that are 100 or less indicate a favorable loss history, while percentage numbers above 100 indicate more frequent claims or larger claims.

    Insurance Loss Ratings for Honda CR-V Vehicles
    Vehicle 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

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance statistics and figures

The rate information displayed below highlights detailed analysis of prices for Honda CR-V models. Learning a little about how auto insurance policy rates are established can assist in making decisions when shopping your coverage around.

Honda CR-V Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $154 $278 $316 $18 $94 $860 $72
CR-V EX 2WD $154 $278 $316 $18 $94 $860 $72
CR-V LX 4WD $154 $278 $316 $18 $94 $860 $72
CR-V EX 4WD $178 $278 $316 $18 $94 $884 $74
CR-V EX-L 2WD $178 $278 $316 $18 $94 $884 $74
CR-V EX-L 4WD $178 $278 $316 $18 $94 $884 $74
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in zip code location which can decrease or increase premium rates significantly.

Where to set your deductibles

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The following insurance rates can help you visualize the differences in premium rates when you buy lower versus higher policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Honda CR-V insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $246 $420 $280 $16 $84 $1,071 $89
CR-V EX 2WD $246 $420 $280 $16 $84 $1,071 $89
CR-V LX 4WD $246 $420 $280 $16 $84 $1,071 $89
CR-V EX 4WD $284 $420 $280 $16 $84 $1,109 $92
CR-V EX-L 2WD $284 $420 $280 $16 $84 $1,109 $92
CR-V EX-L 4WD $284 $420 $280 $16 $84 $1,109 $92
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Honda CR-V insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $136 $222 $280 $16 $84 $738 $62
CR-V EX 2WD $136 $222 $280 $16 $84 $738 $62
CR-V LX 4WD $136 $222 $280 $16 $84 $738 $62
CR-V EX 4WD $158 $222 $280 $16 $84 $760 $63
CR-V EX-L 2WD $158 $222 $280 $16 $84 $760 $63
CR-V EX-L 4WD $158 $222 $280 $16 $84 $760 $63
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in garaging location in Pittsburgh which can affect premiums significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $28 more each month or $336 annually averaged for all CR-V models than opting for the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 32 months between claims, you would probably save some money going with the higher deductible.

The diagram below demonstrates how deductibles and can raise or lower Honda CR-V yearly insurance costs for different age groups of insureds. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Reckless driving habits raise insurance rates

The diagram below shows how violations and at-fault collisions can influence Honda CR-V insurance costs for different age groups. The costs are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Honda CR-V insurance rates: Men versus women

The diagram below visualizes the comparison of Honda CR-V insurance costs for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Pittsburgh insurance discounts

Companies offering auto insurance don't always advertise every available discount very clearly, so the following list contains some of the more common and the more hidden credits available to lower your premiums when you buy Pittsburgh car insurance online.Save money with discounts

  • Discounts for Cautious Drivers - Insureds without accidents can save up to 40% or more on their Pittsburgh car insurance quote than their less cautious counterparts.
  • Discount for New Cars - Adding a new car to your policy can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Seat Belt Discounts - Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
  • Senior Citizen Discount - If you're over the age of 55, you are able to get lower premium rates.
  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Defensive Driver Discount - Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
  • Memberships - Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.

It's important to understand that most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when it seems like it's possible to get free car insurance, you're out of luck. Any qualifying discounts will reduce the cost of your policy.

The example below visualizes the comparison of Honda CR-V insurance rates with and without discounts applied. The prices are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.

A list of companies and some of their more popular discounts can be found below.

  • State Farm has discounts for good driver, Steer Clear safe driver discount, defensive driving training, student away at school, and driver's education.
  • Farmers Insurance discounts include business and professional, alternative fuel, bundle discounts, youthful driver, good student, multi-car, and electronic funds transfer.
  • Progressive may include discounts for multi-vehicle, online signing, good student, multi-policy, continuous coverage, homeowner, and online quote discount.
  • GEICO offers premium reductions for defensive driver, driver training, anti-theft, good student, military active duty, and anti-lock brakes.
  • Auto-Owners Insurance offers discounts for multi-policy, mature driver, teen driver, safe driver, and safe vehicle.
  • The Hartford has savings for vehicle fuel type, air bag, anti-theft, driver training, good student, and defensive driver.
  • Farm Bureau offers discounts including 55 and retired, youthful driver, safe driver, renewal discount, multi-vehicle, good student, and driver training.
  • USAA includes discounts for vehicle storage, defensive driver, new vehicle, family discount, multi-policy, and safe driver.

It's a good idea to ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not be offered everywhere. To view companies with discount rates in Pennsylvania, click here to view.

Compare but don't skimp

We covered a lot of techniques to get a better price on Honda CR-V insurance in Pittsburgh. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a company that doesn't do a lot of advertising.

Discount Honda CR-V insurance in Pittsburgh can be bought both online and with local Pittsburgh insurance agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these smaller providers only sell through independent agencies.

When shopping online for car insurance, it's very important that you do not skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best cost.

Steps to quoting cheaper Honda CR-V insurance in Pittsburgh

The best way we recommend to find more affordable Honda CR-V insurance is to start doing a yearly price comparison from insurers that insure vehicles in Pittsburgh. Price quotes can be compared by following these guidelines.

  1. It will benefit you to learn about auto insurance and the steps you can take to keep rates low. Many things that result in higher prices like speeding and an unfavorable credit rating can be eliminated by paying attention to minor details.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide prices from many different companies. Compare rates
  3. Compare the quotes to your existing policy to see if you can save by switching companies. If you can save some money and change companies, make sure there is no lapse in coverage.

A key point to remember is to use identical deductibles and limits on every quote and and to analyze all possible companies. This helps ensure a fair price comparison and the best rate selection.

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