Affordable Insurance for a Honda CR-V in Cincinnati

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Insurance for Honda CR-VIt takes a little time, but the best way to get low-cost Honda CR-V insurance is to compare prices once a year from insurers in Cincinnati.

Step 1: Take a little time to learn about how car insurance works and the things you can change to keep rates in check. Many factors that cause high rates such as speeding tickets, accidents and a bad credit score can be rectified by making lifestyle changes or driving safer.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple insurance companies. Click to view companies

Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company of your intention to cancel your existing policy and submit a completed application and payment to your new insurance company. Immediately place your new proof of insurance certificate in your glove compartment.

A good tip to remember is that you use the same amount of coverage on every quote request and and to get rates from as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and the best rate selection.

Sadly, the vast majority of consumers have remained with the same auto insurance company for at least four years, and just short of a majority have never taken the time to shop around. Many drivers in Ohio could save $729 each year just by comparing rates, but they don't believe the amount of savings they would get if they switch to a new company.

Shopping around for the most affordable protection in Cincinnati is actually quite simple. Practically every car owner who has to buy car insurance will more than likely be able to cut their insurance bill. Nevertheless, Ohio car owners need to have an understanding of the methods companies use to market on the web and use this information to your advantage.

Buy Cincinnati Honda CR-V insurance online

All the larger car insurance companies like Progressive, Allstate and GEICO allow consumers to get prices on the web. Getting online rates for Honda CR-V insurance in Cincinnati is possible for anyone as you just type in your personal and coverage information into the form. Once you submit the form, their rating system orders your driving and credit reports and provides a quote based on the information you submitted.

Quoting online for Honda CR-V insurance in Cincinnati makes it easy to compare insurance prices and it's absolutely necessary to perform this step in order to get the cheapest price on car insurance.

To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy your coverages as close as possible to your current policy. This ensures you will get rate comparison quotes based on the exact same insurance coverage.

The providers in the list below are ready to provide free rate quotes in Ohio. If you want to find cheap auto insurance in Cincinnati, we recommend you visit as many as you can to get a more complete price comparison.

Insurance coverage analysis

The table shown below highlights a range of insurance coverage prices for Honda CR-V models. Learning a little about how insurance quotes are determined can help customers make decisions when choosing a new policy provider.

Honda CR-V Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $120 $192 $196 $12 $58 $578 $48
CR-V EX 2WD $120 $192 $196 $12 $58 $578 $48
CR-V LX 4WD $120 $192 $196 $12 $58 $578 $48
CR-V EX 4WD $138 $192 $196 $12 $58 $596 $50
CR-V EX-L 2WD $138 $192 $196 $12 $58 $596 $50
CR-V EX-L 4WD $138 $192 $196 $12 $58 $596 $50
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in Cincinnati which can affect auto insurance rates significantly.

Can higher deductibles save money?

One common question asked by Cincinnati drivers is where to set your physical damage deductibles. The comparisons below can help show how much more you'll pay between high and low deductibles. The first rate quote example uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Honda CR-V insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $152 $242 $192 $12 $58 $681 $57
CR-V EX 2WD $152 $242 $192 $12 $58 $681 $57
CR-V LX 4WD $152 $242 $192 $12 $58 $681 $57
CR-V EX 4WD $176 $242 $192 $12 $58 $705 $59
CR-V EX-L 2WD $176 $242 $192 $12 $58 $705 $59
CR-V EX-L 4WD $176 $242 $192 $12 $58 $705 $59
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Honda CR-V insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $124 $196 $192 $12 $58 $582 $49
CR-V EX 2WD $124 $196 $192 $12 $58 $582 $49
CR-V LX 4WD $124 $196 $192 $12 $58 $582 $49
CR-V EX 4WD $142 $196 $192 $12 $58 $600 $50
CR-V EX-L 2WD $142 $196 $192 $12 $58 $600 $50
CR-V EX-L 4WD $142 $196 $192 $12 $58 $600 $50
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in zip code location which can increase or decrease prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $8 more each month or $96 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 31 months between claim filings, you would save money if you decide on a higher deductible.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Honda CR-V car insurance rates with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no definitive rule for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Honda CR-V replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's and your insurance should unique, too.Higher deductibles save money Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • Am I better off with higher deductibles on my Honda CR-V?
  • When does my teenage driver need to be added to my policy?
  • What companies insure drivers after a DUI or DWI?
  • Is coverage enough to protect my assets?
  • How do I insure my teen driver?
  • Am I covered when driving someone else's vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my cargo covered for damage or theft?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance agents can help

Certain consumers still like to get professional advice from a licensed agent. One of the best bonuses of getting free rate quotes online is you may find the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is important particularly in Cincinnati.

For easy comparison, once you complete this simple form, your coverage information is emailed to companies in Cincinnati who want to provide quotes for your coverage. There is no need to contact any insurance agencies since price quotes are sent directly to your email. Get lower rates and a licensed agent to talk to. If you need to compare prices from a specific auto insurance provider, you can always jump over to their website and give them your coverage information.

Pick the best auto insurance agent in Cincinnati for you

If you would like to find a good Cincinnati insurance agent, you must know there are a couple different agency structures that you can select. Insurance agencies in Cincinnati can be categorized as either independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

Agents of this type often have affiliation with several companies so they can insure your vehicles with many different companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and you don't have to do anything.

When comparison shopping, we highly recommend that you include price quotes from multiple independent agents for maximum quote selection. They often place coverage with lesser-known insurance companies who may have lower rates.

Shown below is a short list of independent agencies in Cincinnati that may be able to provide comparison quotes.

More insurance agents

Exclusive Agents

Exclusive agencies generally can only insure with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are well schooled on sales techniques which helps overcome the inability to quote other rates. Many people use the same exclusive agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive insurance agents in Cincinnati that can give you comparison quotes.

More insurance agents

Selecting a insurance agent should include more criteria than just the quoted price. Before buying a policy in Cincinnati, get answers to these questions.

  • Does the agency have a current Errors and Omissions policy?
  • Does the agent have a valid license to sell insurance in Ohio?
  • Will they take your side in the event of a claim?
  • Which companies do they recommend if they are an independent agency?
  • What company do they have the most business with?
  • Will the company cover a rental car if your car is getting fixed?

Ratings for Cincinnati car insurance companies

Finding the highest-rated auto insurance provider is difficult considering how many companies are available to choose from in Cincinnati. The rank data below may help you decide which insurers to look at when shopping your coverage around.

Best Car Insurance Companies in Cincinnati
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies