Discount Honda CR-V insuranceThere isn't a single person who likes having to buy car insurance, especially knowing they are paying too much.

Surprisingly, a recent survey revealed that most drivers in Rhode Island have purchased from the same company for four years or more, and nearly the majority have never even compared quotes to find affordable rates. Drivers in America could save 47% every year, but they don't know the actual amount they would save if they switched. You have multiple insurers to insure vehicles with, and although it's a good thing to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

Finding and buying more affordable policy in Providence can be fairly easy. If you are already insured or just want cheaper rates, you will benefit by learning to cut your premiums and still have adequate protection. You just have to know the most effective way to compare different rates using one simple form.

The quickest way to compare car insurance rates for Honda CR-V insurance in Providence utilizes the fact most of the larger companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is give them some information such as how your vehicles are used, what your job is, deductibles desired, and if you have an active license. Those rating factors is then sent to all major companies and you will receive price estimates instantly to find the best rate.

To find lower lower-cost Honda CR-V insurance rates now, click here and find out if you can get cheaper insurance in Providence.

The companies shown below have been selected to offer free rate quotes in Rhode Island. If more than one company is shown, it's a good idea that you visit as many as you can to get a more complete price comparison.

Honda CR-V Insurance Estimates in Providence, RI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $246 $430 $466 $28 $140 $1,310 $109
CR-V EX 2WD $146 $268 $390 $24 $116 $944 $79
CR-V LX 4WD $276 $476 $356 $22 $106 $1,236 $103
CR-V EX 4WD $318 $476 $356 $22 $106 $1,278 $107
CR-V EX-L 2WD $348 $534 $466 $28 $140 $1,516 $126
CR-V EX-L 4WD $270 $448 $390 $24 $116 $1,248 $104
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in your specific Providence location which can affect price quotes considerably.

Rate comparison for different deductibles

The diagram below shows how different deductible levels and can impact Honda CR-V annual premium costs for different ages of insureds. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.

Car insurance does more than just protect your car

Even though Providence CR-V insurance rates can get expensive, maintaining insurance is not optional due to several reasons.

The benefits of insuring your CR-V more than offset the price you pay, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $830 a year so it's very important to do a rate comparison at every policy renewal to be sure current rates are still competitive.

Learn How to Quote Auto Insurance Cheaper

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your auto insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that can earn you lower auto insurance prices.

Low mileage costs less - The more you drive every year the higher your rate. A lot of companies rate vehicles partially by how you use the vehicle. Cars that have low annual miles get more affordable rates compared to those used for work or business. Make sure your policy properly reflects the correct driver usage, because it can save money. Having the wrong rating on your CR-V may be costing you higher rates.

Do safer cars cost less to insure? - Vehicles with good safety scores get lower rates. Vehicles built for safety reduce injuries and any reduction in injury severity translates directly to fewer claims and thus lower rates. If the Honda CR-V has at least four stars on or an "acceptable" rating on it may be receiving lower rates.

Gender impacts costs - Statistics demonstrate that women are safer drivers than men. This data doesn't prove that men are worse drivers. Females and males have fender benders in similar numbers, but the males tend to have higher claims. Men also statistically receive more costly citations like reckless driving and DUI.

Always have auto insurance - Having a lapse in insurance coverage is a quick way to increase your auto insurance rates. And not only will your rates increase, being ticketed for driving with no insurance may earn you a revoked license or a big fine.

Your vocation is a factor - Careers like real estate brokers, executives and stock brokers are shown to have higher premium rates in part from job stress and extremely grueling work hours. Conversely, professions such as scientists, historians and performers receive lower rates.

Frequent policy claims will cost you more - If you're an insured who likes to file claims you shouldn't be surprised to get higher rates. Car insurance companies in Rhode Island award the best rates to people that do not abuse their auto insurance. Your insurance policy is intended for the large, substantial claims.

Insurance loss data for Honda CR-V vehicles - Insurance companies analyze past claim statistics to help set a rate to offset losses. Models that tend to have a trend towards higher claim severity or frequency will have a higher premium rate. The next table shows the historical loss data for Honda CR-V vehicles.

For each coverage category, the loss probablilty for all vehicles, regardless of make, model or trim level, is equal to 100. Values that are below 100 indicate a favorable loss history, while values over 100 point to more claims or tendancy to have higher losses.

Insurance Loss Ratings for Honda CR-V Vehicles

Specific Honda 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

Cheaper Providence car insurance quotes with discounts

Some insurance providers do not list every discount very well, so we researched a few of the more common as well as the least known discounts that you can inquire about if you buy Providence auto insurance online.Car insurance discounts

As a sidenote, some credits don't apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that it's possible to get free car insurance, it doesn't quite work that way.

Companies and their possible discounts are outlined below.

Before purchasing a policy, check with every prospective company what discounts are available to you. Savings may not apply in your state. To see a list of providers who offer online Honda CR-V insurance quotes in Providence, follow this link.

Buying car insurance from Providence insurance agents

Some people would rather buy from a local agent and that is just fine! Agents can make sure you are properly covered and help you file claims. An additional benefit of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. And supporting local agencies is still important in Providence.

Insurance agency in ProvidenceTo find an agent, once you fill out this form (opens in new window), your coverage information is instantly submitted to agents in your area that can provide free Providence auto insurance quotes to get your business. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent immediately to you. If you have a need to compare rates from a particular provider, you just need to find their quoting web page and fill out their quote form.

If you would like to find an insurance agent, it can be helpful to understand the different types of agencies and how they function. Providence agents may be either independent (non-exclusive) or exclusive. Both types of agents can sell car insurance policies, but it is a good idea to know why they differ because it may have an impact on the selection process.

Independent Car Insurance Agencies or Brokers

These agents are not employed by any specific company so as a result can place your coverage with many different companies and find the cheapest car insurance rates. If your agent finds better pricing, your agent can just switch to a different company and that require little work on your part.

When searching for an agent, you absolutely need to contact a couple of independent agencies for the best price selection.

Listed below is a short list of independent agents in Providence that can give you comparison quotes.

376 Newport Ave - Rumford, RI 02916 - (401) 223-2392 - View Map

279 Dexter St - Pawtucket, RI 02860 - (401) 723-8510 - View Map

1020 Charles St - North Providence, RI 02904 - (401) 722-9985 - View Map

More Providence agents

Exclusive Insurance Agencies

Exclusive agencies can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company's prices so keep that in mind. Exclusive agents are usually well trained on their company's products and that can be a competitive advantage.

Listed below are Providence exclusive agencies that can give you rate quotes.

1214 Broad St Lowr Level - Providence, RI 02905 - (401) 785-0806 - View Map

1987 Mineral Spring Ave - North Providence, RI 02904 - (401) 349-2900 - View Map

585 Warren Ave - East Providence, RI 02914 - (401) 434-5737 - View Map

More Providence agents

Picking the best insurance agent needs to be determined by more than just the quoted price. Any agent in Providence should be willing to answer these questions.

Once you have good responses for all questions you ask and a low price estimate, it's possible that you found an auto insurance agent that will properly insure your vehicles. But remember, you can cancel your coverage whenever you choose to so don't think that you are obligated to the car insurance policy for the full policy term.

Find cheap rates by comparing often

We just covered many ideas to find cheaper Honda CR-V insurance in Providence. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest Honda CR-V rate quotes. You may even be surprised to find that the most savings is with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

A few companies do not provide rate quotes online and most of the time these small insurance companies provide coverage only through local independent agents. More affordable insurance in Providence is definitely available both online and also from your neighborhood Providence agents, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about insurance in Rhode Island is available on the following sites: