Save Money on Honda CR-V Insurance in Los Angeles

Expensive car insurance in Los Angeles can take a big chunk out of your savings account and force you to cut corners elsewhere. Price shopping at each renewal is a smart way to make sure you’re not throwing money away.

Insurance quote for Honda CR-V in Los AngelesAstonishing but true according to a recent study, nearly 70% of customers kept their policy with the same company for four years or more, and approximately 38% of consumers have never quoted rates to find affordable coverage. Many consumers in California could save an average of nearly $500 each year just by getting comparison quotes, but they assume it’s a waste of time to find affordable rates by getting comparison quotes.

Big-name insurance companies like GEICO, Farmers Insurance and State Farm persitently shower you with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.

You should take the time to shop coverage around yearly because car insurance rates trend upward over time. If you had the lowest rate on Honda CR-V insurance in Los Angeles at your last renewal you may be paying too much now. There are lots of tips to save on CR-V insurance online, but I’m going to show you some guaranteed methods to buy car insurance cheaper in Los Angeles.

When quoting insurance, remember that comparing a wide range of rates will enable you to find a lower rate. Not every company allows you to get Los Angeles CR-V insurance quotes over the internet, so you also need to get rates from those companies as well.

The providers in the list below are our best choices to provide price quotes in Los Angeles, CA. If multiple companies are shown, we recommend you visit two to three different companies in order to find the cheapest rates.

Discount Los Angeles insurance quotes

Car insurance is not cheap, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied when you complete an application, but some discounts are required to be requested specifically before you will receive the discount.Cheaper insurance with discounts

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

The example below shows the comparison of Honda CR-V premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, marriage, and multi-policy discounts applied.

To find insurers with the best discounts in California, click here.

Facts and figures for Honda CR-V insurance

The premium table shown next showcases a range of rate quotes for Honda CR-V models. Learning how auto insurance policy rates are figured can be valuable when making informed decisions when shopping around for a new policy.

Honda CR-V Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $242 $382 $376 $22 $112 $1,134 $95
CR-V EX 2WD $242 $382 $376 $22 $112 $1,134 $95
CR-V LX 4WD $242 $382 $376 $22 $112 $1,134 $95
CR-V EX 4WD $278 $382 $376 $22 $112 $1,170 $98
CR-V EX-L 2WD $278 $382 $376 $22 $112 $1,170 $98
CR-V EX-L 4WD $278 $382 $376 $22 $112 $1,170 $98
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can modify premium rates considerably.

Where to set your deductibles

When shopping for insurance, a common question is what deductibles to buy. The figures shown below determine how much more you’ll pay between high and low physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Honda CR-V insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $298 $472 $376 $22 $112 $1,305 $109
CR-V EX 2WD $298 $472 $376 $22 $112 $1,305 $109
CR-V LX 4WD $298 $472 $376 $22 $112 $1,305 $109
CR-V EX 4WD $342 $472 $376 $22 $112 $1,349 $112
CR-V EX-L 2WD $342 $472 $376 $22 $112 $1,349 $112
CR-V EX-L 4WD $342 $472 $376 $22 $112 $1,349 $112
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Honda CR-V insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $184 $298 $376 $22 $112 $992 $83
CR-V EX 2WD $184 $298 $376 $22 $112 $992 $83
CR-V LX 4WD $184 $298 $376 $22 $112 $992 $83
CR-V EX 4WD $210 $298 $376 $22 $112 $1,018 $85
CR-V EX-L 2WD $210 $298 $376 $22 $112 $1,018 $85
CR-V EX-L 4WD $210 $298 $376 $22 $112 $1,018 $85
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in Los Angeles location which can decrease or increase auto insurance rates greatly.

Based on the figures above, using a $250 deductible costs roughly $27 more each month or $324 for a full year than quoting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 28 months between claims, you would more than likely save some money if you decide on a higher deductible.

How accidents and violations affect rates

The chart below highlights how speeding tickets and accident claims can raise Honda CR-V auto insurance rates for different age groups of insureds. The data is based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The chart below illustrates the comparison of Honda CR-V insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

When to stop buying full coverage

There isn’t a written rule to delete full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Honda CR-V replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If you are currently paying more than $300 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Buying from insurance agents

Many drivers just prefer to visit with an insurance agent and we recommend doing that A good thing about comparing insurance prices online is you may find the best rates but also keep your business local. And buying from neighborhood insurance agencies is especially important in Los Angeles.

Insurance agents in Los AngelesOnce you complete this quick form, the quote information is submitted to local insurance agents in Los Angeles that can provide free Los Angeles auto insurance quotes for your insurance coverage. You won’t need to search for an agent because quoted prices will be sent directly to you. You can get cheaper insurance rates without the usual hassles of price shopping. If you have a need to compare prices from a specific insurance provider, just jump over to their website and submit a quote form there.

Los Angeles auto insurance agents are either independent or exclusive

When narrowing the list to find a reliable insurance agent, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Insurance policy providers are categorized either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company and that gives them the ability to insure through many companies depending on which coverage is best. If they quote lower rates, your agent can switch companies which is easy for the insured. If you need lower rates, you need to get insurance quotes from independent agents so that you have a good selection of quotes to compare.

Listed below is a short list of independent insurance agents in Los Angeles that may be able to give rate quotes.

11639 Chenault StLos Angeles, CA 90049(310) 909-6135View Map

5250 W Century Blvd #426Los Angeles, CA 90045(888) 400-4004View Map

1801 S La Cienega Blvd Ste 201Los Angeles, CA 90035(310) 402-0020View Map

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Exclusive Agents

Exclusive agencies normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training in insurance sales which helps them sell on service rather than price.

Listed below are exclusive agencies in Los Angeles who can help you get comparison quotes.

767 N Hill St,109Los Angeles, CA 90012(213) 621-2526View Map

1145 S Western AveLos Angeles, CA 90006(323) 733-6680View Map

1247 S La Brea AveLos Angeles, CA 90019(323) 954-9763View Map

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Deciding on an insurance agency requires more thought than just a low price. Any good agent in Los Angeles should know the answers to these questions.

Your car insurance coverage should be tailored to you

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance Price Influencing Factors

Many factors are used in the calculation when you get a price on insurance. Some are obvious like your driving record, although some other factors are less obvious such as whether you are married or your vehicle rating. An important part of buying insurance is that you know the rating factors that play a part in calculating your premiums. If you understand what influences your rates, this enables informed choices that may reward you with cheaper rates.

Listed below are a few of the things car insurance companies consider when setting rates.

Three reasons insurance is important

Despite the potentially high cost of Honda CR-V insurance, buying insurance is required in California but it also protects you in many ways.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying more than $700 annually so compare rates each time the policy renews to make sure the price is not too high.

Auto insurance savings summarized

Affordable Honda CR-V insurance in Los Angeles is definitely available on the web in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies don’t offer price quotes online and many times these smaller companies work with independent insurance agents.

Consumers who switch companies do it for a variety of reasons including policy cancellation, high rates after DUI convictions, not issuing a premium refund and poor customer service. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

We just presented some good ideas how to find lower-cost Honda CR-V insurance in Los Angeles. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest prices are with some of the lesser-known companies.

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