Amazingly, the vast majority of insurance customers kept buying from the same company for a minimum of four years, and approximately 40% of consumers have never compared rates to find lower-cost insurance. With the average premium in Ohio being $1,343, drivers could cut their rates by almost $730 a year just by getting comparison quotes, but they don’t understand how simple it is to compare rates and save money.
If saving money is your primary concern, then the best way to find cheaper prices for auto insurance rates in Columbus is to regularly compare prices from providers who provide car insurance in Ohio.
- It will benefit you to learn about the coverage provided by your policy and the steps you can take to keep rates low. Many rating factors that cause high rates such as accidents, careless driving, and an unfavorable credit rating can be amended by improving your driving habits or financial responsibility. Continue reading for tips to get lower rates and get bigger discounts that may have been overlooked.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of companies. Find a Columbus insurance agent
- Compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
- Provide notification to your current agent or company of your intention to cancel your current policy. Submit payment and a completed application to the new insurer. As soon as coverage is bound, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One tip to remember is that you’ll want to compare identical coverages on each quote request and and to get quotes from as many companies as possible. Doing this provides the most accurate price comparison and many rates to choose from.
Best companies for Honda CR-V insurance
The companies in the list below are ready to provide free quotes in Columbus, OH. If several companies are displayed, we suggest you get rate quotes from several of them to find the most competitive auto insurance rates.
Honda CR-V insurance coverage information
The price information displayed below highlights detailed analysis of insurance policy prices for Honda CR-V models. Having knowledge of how rates are established can help drivers make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $146 | $284 | $202 | $12 | $60 | $704 | $59 |
| CR-V EX 2WD | $146 | $284 | $202 | $12 | $60 | $704 | $59 |
| CR-V LX 4WD | $146 | $284 | $202 | $12 | $60 | $704 | $59 |
| CR-V EX 4WD | $168 | $284 | $202 | $12 | $60 | $726 | $61 |
| CR-V EX-L 2WD | $168 | $284 | $202 | $12 | $60 | $726 | $61 |
| CR-V EX-L 4WD | $168 | $284 | $202 | $12 | $60 | $726 | $61 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can alter rates substantially.
An analysis of deductible level
When shopping for insurance, a common question is which deductibles should you choose. The following tables show the premium difference when you select higher and lower physical damage deductibles. The first rate quote example uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $170 | $290 | $192 | $12 | $58 | $747 | $62 |
| CR-V EX 2WD | $170 | $290 | $192 | $12 | $58 | $747 | $62 |
| CR-V LX 4WD | $170 | $290 | $192 | $12 | $58 | $747 | $62 |
| CR-V EX 4WD | $196 | $290 | $192 | $12 | $58 | $773 | $64 |
| CR-V EX-L 2WD | $196 | $290 | $192 | $12 | $58 | $773 | $64 |
| CR-V EX-L 4WD | $196 | $290 | $192 | $12 | $58 | $773 | $64 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $94 | $152 | $192 | $12 | $58 | $508 | $42 |
| CR-V EX 2WD | $94 | $152 | $192 | $12 | $58 | $508 | $42 |
| CR-V LX 4WD | $94 | $152 | $192 | $12 | $58 | $508 | $42 |
| CR-V EX 4WD | $108 | $152 | $192 | $12 | $58 | $522 | $44 |
| CR-V EX-L 2WD | $108 | $152 | $192 | $12 | $58 | $522 | $44 |
| CR-V EX-L 4WD | $108 | $152 | $192 | $12 | $58 | $522 | $44 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in vehicle location which can increase or decrease rates greatly.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $20 more each month or $240 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 45 months between claim filings, you would save money by selecting a higher deductible.
The example below highlights how deductible selection and can change Honda CR-V insurance prices for each different age group. The costs are based on a married female driver, comp and collision included, and no other discounts are factored in.
Does it make sense to buy full coverage?
The information below compares Honda CR-V insurance premiums with full coverage compared to only the Ohio minimum liability coverage. The premiums are based on no claims or violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no set guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your Honda CR-V claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.
Car insurance policy discounts for Honda CR-V insurance in Columbus
Some insurance providers don’t always advertise every possible discount in a way that’s easy to find, so below is a list both the well known and also the lesser-known credits that may apply to you. If you aren’t receiving every discount possible, you are not getting the best rate possible.
- Low Mileage Discounts – Keeping the miles down on your Honda could earn cheaper car insurance rates.
- Student Driver Training – Have your child enroll in driver’s education as it can save substantially.
- Online Discount – Certain companies will provide an incentive for buying your policy digitally online.
- Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts as much as 30%.
- Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems help deter theft and earn discounts up to 10% off your Columbus auto insurance quote.
- No Claims – Columbus drivers who stay claim-free pay less as compared to drivers with a long claim history.
- Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are safer to drive and earn discounts up to 10%.
Don’t be shocked that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.
The example below visualizes the comparison of Honda CR-V insurance rates with and without discounts. The information is based on a female driver, no claims or driving violations, Ohio 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 multi-car, safe-driver, homeowner, multi-policy, marriage, and claim-free discounts applied.
Companies who may offer some of the discounts shown above may include but are not limited to:
It’s a good idea to ask every insurance company how many discounts you can get. All car insurance discounts may not be available in your area. To choose car insurance companies with significant discounts in Columbus, click here.
Learn How to Lower Your Insurance Prices
It’s important that you understand the factors that play a part in calculating your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower rates.
- Big city or small town – Having an address in areas with lower population can save you money when buying insurance. People in densely populated areas tend to have much more traffic and more severe claims. Fewer drivers on the road translates into fewer accidents and also fewer theft and vandalism claims.
- Do you save by driving less? – Driving more miles in a year the higher the price you pay to insure it. A lot of companies calculate prices determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates than those used for commuting. Incorrect rating for your CR-V may be costing you. It’s a smart idea to ensure your insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
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Driving citations cost more than a fine – Good drivers have lower premiums compared to bad drivers. Having a single ticket can increase rates forty percent or more. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state’s licensing department in order to continue driving.
The example below illustrates how speeding tickets and at-fault accidents raise Honda CR-V insurance prices for different categories of driver ages. The data assumes a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
- Liability insurance claims can be big – The liability section of your policy is the protection if ever you are found liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
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Honda CR-V statistical loss data – Companies factor in historical loss data in order to profitably underwrite each model. Vehicles that historically have high amounts or severity of claims will have a higher cost to insure. The next table shows the actual insurance loss data for Honda CR-V vehicles.
For each coverage type, the claim probability for all vehicles averaged together equals 100. Values that are under 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or tendency to have larger claims.
Honda CR-V Insurance Loss Statistics 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Everyone needs different auto insurance coverages
When buying coverage online or from an agent, there isn’t really a “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.
- Is my cargo covered for damage or theft?
- I have a DUI can I still get coverage?
- Where can I find high-risk insurance?
- Do I need medical payments coverage since I have good health insurance?
- Why do I have to buy liability insurance?
- Why do I need rental car insurance?
- Am I covered if I wreck a rental car?
- Is my dog or cat covered if injured in an accident?
- What is covered by UM/UIM coverage?
- How high should deductibles be on a Honda CR-V?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Independent or exclusive insurance agencies
Many drivers just prefer to get professional advice from a licensed agent and that is just fine! Most agents can answer important questions and give you someone to call. The biggest benefit of price shopping on the web is the fact that you can find cheap rate quotes and also buy local. Supporting small agencies is definitely important in Columbus.
By using this form (opens in new window), the coverage information is transmitted to local insurance agents that can provide free Columbus auto insurance quotes for your insurance coverage. You won’t need to contact any insurance agencies since rate quotes are delivered straight to your inbox. If you need to compare prices for a specific company, don’t hesitate to go to their quote page and fill out their quote form.
If you want a reputable insurance agent or broker, it can be helpful to understand the different agency structures and how they work. Agencies in Columbus are either exclusive or independent (non-exclusive). Either can sell car insurance policies, but it’s worth mentioning the difference between them because it may have an impact on the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Independent agencies are not employed by one company so they have the ability to put coverage with lots of companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. If you need lower rates, it’s recommended you include rate quotes from several independent agencies to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers who may have lower rates.
Featured below is a small list of independent agents in Columbus that can possibly get you comparison quotes.
- Central Ohio Insurance Services, Inc
1205 Hill Rd N – Pickerington, OH 43147 – (614) 861-3100 – View Map - Nationwide Insurance: Glenn R Williams
2930 N High St – Columbus, OH 43202 – (614) 268-3567 – View Map - All Ohio Insurance Agency Inc
180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770 – View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company such as Farmers Insurance and State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained on their company’s products and that enables them to sell even at higher rates. Consumers sometimes buy from the same agent for years mostly because of high brand loyalty and strong financial ratings.
Shown below is a short list of exclusive agents in Columbus willing to provide price quotes.
- Bill Alsnauer – State Farm Insurance Agent
2500 W Dublin Granville Rd – Columbus, OH 43235 – (614) 764-2411 – View Map - Andrea Taylor – State Farm Insurance Agent
5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421 – View Map - Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map
Finding the right car insurance agent shouldn’t rely on just the premium amount. Any agent in Columbus should have no problem answering these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- Can they give you a list of client referrals?
- What insurance companies do they recommend if they are an independent agent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they offer rental car reimbursement?
- Is working in the agency their full-time job?
One last note
We just covered quite a bit of information on how to save on Honda CR-V insurance in Columbus. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the biggest savings come from some of the lesser-known companies.
Consumers leave their current company for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, poor customer service and even not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider is easier than you think.
When you buy Columbus auto insurance online, you should never buy less coverage just to save a little money. In many cases, an insured dropped full coverage only to regret that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
For more information, feel free to browse the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Columbus Auto Insurance for State Employees? (FAQ)
- How Much are Columbus Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Columbus Car Insurance for a Toyota Tundra? (FAQ)
- Who Has Cheap Auto Insurance Quotes with Multiple Speeding Tickets in Columbus? (FAQ)
- Who Has Cheap Car Insurance Quotes for Welfare Recipients in Columbus? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Traverse in Columbus? (FAQ)
- Who Has Affordable Car Insurance Quotes for Good Drivers in Columbus? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Your Car has been Stolen: Now What? (Allstate)
- Property Damage Coverage (Liberty Mutual)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)