If you're trying to find lower-cost insurance, are you baffled by the crazy number of car insurance providers available to you? Many other drivers are too. You have so many providers available that it can really be a real difficult job to find the perfect company for you. Tacoma is a wonderful place to live, but budgeting for expensive car insurance can make it nearly impossible to afford proper coverage amounts.

Discount Honda CR-V insuranceRegrettably, the vast majority of car insurance customers kept their policy with the same company for well over three years, and practically 40% of car insurance customers have never shopped around. Many consumers in Tacoma could cut their rates by 40% a year, but they don't want to take the time to compare rates.

If you currently have a car insurance policy, you will be able to lower your rates using the ideas you're about to read. The purpose of this post is to introduce you to how insurance works and how to save the most money. But Washington vehicle owners must comprehend the way insurance companies set your policy premium.

How to compare Tacoma Honda CR-V insurance quotes

When comparison shopping, there are several ways of comparing rates from different Tacoma insurance companies. By far the easiest way to comparison shop is to get quotes online. When quoting auto insurance, remember that quoting more gives you a better chance of getting more affordable insurance. Some smaller insurers do not give Tacoma CR-V insurance quotes over the internet, so you should also compare rates from them, too.

The following companies are ready to provide free rate quotes in Tacoma, WA. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Honda CR-V Insurance Rate Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $152 $262 $236 $14 $70 $734 $61
CR-V EX 2WD $170 $310 $264 $16 $78 $838 $70
CR-V LX 4WD $180 $312 $338 $20 $102 $952 $79
CR-V EX 4WD $196 $310 $264 $16 $78 $864 $72
CR-V EX-L 2WD $218 $368 $264 $16 $78 $944 $79
CR-V EX-L 4WD $290 $376 $328 $20 $98 $1,112 $93
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific location which can affect coverage rates noticeably.

Insurance rate increases from tickets or accidents

The illustration below shows how violations and at-fault accidents can increase Honda CR-V insurance premiums for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Impact of age and gender on car insurance rates

The information below compares Honda CR-V insurance premiums for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Deductible comparison

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The figures shown below sum up the price difference between low and high policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Honda CR-V insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $222 $376 $250 $14 $76 $963 $80
CR-V EX 2WD $222 $376 $250 $14 $76 $963 $80
CR-V LX 4WD $222 $376 $250 $14 $76 $963 $80
CR-V EX 4WD $254 $376 $250 $14 $76 $995 $83
CR-V EX-L 2WD $254 $376 $250 $14 $76 $995 $83
CR-V EX-L 4WD $254 $376 $250 $14 $76 $995 $83
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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 $162 $254 $250 $14 $76 $756 $63
CR-V EX 2WD $162 $254 $250 $14 $76 $756 $63
CR-V LX 4WD $162 $254 $250 $14 $76 $756 $63
CR-V EX 4WD $186 $254 $250 $14 $76 $780 $65
CR-V EX-L 2WD $186 $254 $250 $14 $76 $780 $65
CR-V EX-L 4WD $186 $254 $250 $14 $76 $780 $65
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in Tacoma location which can alter rates considerably.

Based on the above data, using a $100 deductible costs an average of $18 more each month or $216 annually than selecting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 22 months between claims, you would probably come out ahead if you elect the higher deductible.

Discounts can help lower premiums on Honda CR-V insurance in Tacoma

Not many people think insurance is cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Certain discounts will be applied at quote time, but a few need to be manually applied before being credited.Save money with discounts

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you won't be that lucky.

For a list of insurance companies who offer discounts in Washington, click here.

How Insurers Calculate Honda CR-V Insurance Costs

Lots of factors are considered when pricing auto insurance. Most are fairly basic like a motor vehicle report, although others are less apparent like where you live and annual miles driven. Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates.

Listed below are some of the most rate-impacting factors used by companies to determine your rate level.

Local Tacoma insurance agents

A small number of people would prefer to get advice from a local agent. The best thing about comparing insurance prices online is that drivers can save money and get better rates but also keep your business local.

Insurance agency in TacomaBy using this short form, the coverage information is transmitted to participating agents in Tacoma who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go immediately to you. Get lower rates AND an agent nearby. If you want to quote rates from a specific insurance company, you can always search and find their rate quote page to submit a rate quote request.

Picking the best provider needs to be determined by more than just a low price. The following questions are important to ask.

If you are wanting to find an insurance agent, it helps to know the two types of agencies and how they can quote your rates. Insurance policy providers are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

These type of agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company's rates so they have no alternatives for high prices. They receive a lot of sales training on the products they sell and that allows them to sell at a higher price point. Consumers sometimes buy from exclusive agents mainly due to the brand legacy rather than having low rates.

Shown below is a short list of exclusive agencies in Tacoma that are able to give price quotes.

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Independent Agencies or Brokers

Agents that elect to be independent do not write with just one company and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If your premiums go up, they simply move your policy to a different company which is easy for the insured. If you are comparing rate quotes, we recommend you compare prices from a couple of independent agencies to have the best price comparison. Most can insure with lesser-known insurance companies which may have better rates.

Shown below are Tacoma independent insurance agencies who can help you get comparison quotes.

View more Tacoma agents

Shop smart and save

We just showed you a lot of information how to lower your Honda CR-V insurance prices in Tacoma. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper Tacoma auto insurance quotes. Consumers may even find the best price on insurance is with a small local company.

Cheaper Honda CR-V insurance in Tacoma can be purchased online as well as from insurance agents, so you need to quote Tacoma auto insurance with both to have the best selection. Some companies may not provide the ability to get quotes online and many times these small insurance companies work with independent insurance agencies.

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, lack of trust in their agent or high rates after DUI convictions. Whatever your reason, switching companies can be easier than you think.

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