Who Has the Cheapest Santa Ana Auto Insurance Quotes for a Honda CR-V?

Honda CR-V insurance image courtesy of QuoteInspector.com

Buying affordable coverage for a Honda CR-V in California relies on a lot of rating criteria such as the age of the CR-V, your credit history, and any prior driving offenses. California drivers pay on average $1,525 per year to insure their CR-V, but that is a valuation calculated using a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you may not be 30 years old (or even female), maybe you are married instead of single, and maybe you have sub-par credit that needs to be factored in. There is no one cookie-cutter policy that works for everyone, so the only way to find cheap insurance rates for your Honda is to put in the effort to do a thorough rate comparison. To cut your rates now, get a free quote and you will be able to compare rates from some of the best companies that insure vehicles in California.

View Honda CR-V Insurance Rates

The specific trim level can impact the annual cost of coverage, so the price to insure a CR-V LX 2WD trim level will cost $54 less than the price to insure the more costly CR-V EX-L 4WD version, as demonstrated by the prices below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific location which can modify coverage rates significantly.

Selecting the top insurance company can be difficult considering how many different companies sell coverage in California. The rank data listed below can help you choose which coverage providers to look at when comparing auto insurance rates for a Honda CR-V. The rankings below include large, nationwide insurance companies, so smaller companies that only insure vehicles in California will not be included in the list.

Top 10 Large Auto Insurance Companies in Santa Ana Ranked by A.M. Best Rating

1. USAA - A++
2. Travelers - A++
3. State Farm - A++
4. GEICO - A++
5. Esurance - A+
6. Nationwide - A+
7. Allstate - A+
8. Mercury Insurance - A+
9. Progressive - A+
10. Titan Insurance - A+

Top 10 Large Auto Insurance Companies in Santa Ana Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Full coverage or liability only

Reducing the cost of insurance is probably important to most people, and one of the best ways to find cheaper insurance for a Honda CR-V is to not pay for full coverage. The chart below shows the difference between car insurance rates with and without full coverage. The costs are based on no violations or accidents, $100 deductibles, single marital status, and no other discounts are factored in.

As an overall average, full coverage costs an additional $2,525 per year over having just liability coverage. That touches on the question if buying full coverage is worth the money. There isn't a steadfast formula for phasing out physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's say your vehicle's settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the deductible is paid. If premium cost is more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Get discount Santa Ana insurance rates

Insurance companies that sell policies for a Honda CR-V may also provide special discounts that may potentially lower prices by 35% or more if you are eligible. Large insurance companies and a selection of discounts are:

• State Farm has discounts for accident-free, multiple autos, student away at school, Steer Clear safe driver discount, and multiple policy.
• GEICO offers premium reductions for air bags, military active duty, seat belt use, anti-lock brakes, and emergency military deployment.
• Liberty Mutual discounts include newly married, newly retired, new move discount, new graduate, multi-policy, and multi-car.
• The Hartford includes discounts for bundle, air bag, driver training, vehicle fuel type, anti-theft, good student, and defensive driver.
• MetLife may offer discounts for defensive driver, multi-policy, accident-free, claim-free, and good driver.
• Progressive offers discounts for multi-vehicle, homeowner, online signing, multi-policy, continuous coverage, and online quote discount.

The example below shows the comparison of annual premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, vehicle safety, safe-driver, defensive driving course, passive restraint, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Honda CR-V is 28% or $516.

The importance of comparing CR-V insurance rates

Santa Ana, CA insurance rates are calculated based on many things which can substantially change the policy premium. Improving your credit rating, filing a claim, or getting caught speeding may cause policy rate changes that can make some companies cheaper than competitors. And not only may your rating factors change, but insurance companies file new California car insurance rates as needed to ensure their profitability. A period of increased losses may result in price increases, while long-term profits may result in cheaper CR-V insurance rates.

The bar chart below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no accidents, a clean driving record, and good financial standing. When comparing rates based on her personal profile, Wawanesa offers the cheapest car insurance rates in Santa Ana at $1,283 each year. This is $368 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the rest of the best Santa Ana, CA auto insurance companies.

The chart below compares rates after we give the driver from above some claims, less-than-perfect credit, and a blemish on her driving record. Due to the fact that each insurance company uses a different method to set policy rates, getting updated rate quotes most likely will result in a substantially altered list of cheap Santa Ana auto insurance companies as shown below.

Grange now has the best car insurance rate in Santa Ana with Mercury, Allied, Progressive, and Allstate now being in the top five. This example shows why it is critical to compare as many rates as possible to get the most budget-friendly insurance rates for a Honda CR-V.

Prices are influenced by many things and can change without notice, so the best option the last time you shopped around may now be quite expensive.

How to find economical insurance for a Honda CR-V

Here are a few money-saving ideas that can help you buy lower-cost coverage.

• If your vehicles are older, consider dropping full coverage
• Avoid accidents and claims
• Clean up your credit rating
• Buying home and auto insurance together can earn discounts
• Vehicles with safetly features generally cost less to insure
• Ensure you have the best deal by shopping around regularly

That last piece of advice is extremely valuable, as was stressed in this piece. Prices charged by companies in Santa Ana can change significantly in a year, so don't be afraid to switch carriers if a cheaper price is available. Staying with the same car insurance company is fine, but we do not recommend it if that devotion results in you overpaying lots of money. If you have a few minutes, compare prices and find cheaper insurance for a Honda CR-V.

The insurance agents in Santa Ana listed below are willing to help you decide which is the best policy, as some drivers aren't sure which coverage they need and prefer to get some professional advice when trying to find lower insurance rates for a Honda CR-V. It can be complicated to find coverage yourself, so using a licensed agent can give peace of mind knowing your coverage gives you suitable coverage if you have an accident. To locate a Santa Ana auto insurance agent by location nearest to you, click the button at the bottom of the list.

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