Insurance quote for Honda CR-V in DenverAre you looking for low-cost Honda CR-V insurance in Denver? Are you tired of not being able to afford to pay high auto insurance rates every month? You are in the same boat as the majority of other vehicle owners in Colorado.

Inconceivable but true, almost 70% of drivers in Colorado have bought auto insurance from the same company for over three years, and virtually 40% of consumers have never compared rates from other carriers. Consumers in the United States could save roughly $859 a year, but most tend to underestimate the rate savings if they bought a different policy.

With vehicle owners having so many different company options, it can be hard to choose a lower cost company.

Smart consumers take time to compare prices on a regular basis because insurance prices fluctuate regularly. If you had the best rate on Honda CR-V insurance in Denver a year ago other companies may now be cheaper. There is a lot of wrong information about CR-V insurance online but in a few minutes you can learn some excellent ideas to find cheap auto insurance in Denver.

Our objective in writing this article is to teach you a little about how to effectively get price quotes and some money-saving tips. If you are insured now, you will surely be able to cut your premiums using the ideas you're about to read. But Colorado car owners must know how insurance companies set your policy premium and use it to find better rates.

It's important to know that comparing more prices gives you a better chance of getting better pricing.

The providers in the list below offer price quotes in Colorado. If several companies are displayed, it's a good idea that you visit as many as you can to get the lowest price.

Honda CR-V Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $230 $368 $304 $18 $92 $1,012 $84
CR-V EX 2WD $292 $552 $404 $24 $120 $1,392 $116
CR-V LX 4WD $126 $232 $338 $20 $102 $818 $68
CR-V EX 4WD $190 $298 $314 $18 $94 $914 $76
CR-V EX-L 2WD $168 $236 $298 $18 $90 $810 $68
CR-V EX-L 4WD $220 $304 $298 $18 $90 $930 $78
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower rates greatly.

Higher deductibles save money

A question often asked by Denver drivers is which comprehensive and collision deductibles to buy. The rates below illustrate the cost difference when you choose different comp and collision deductibles. The first pricing table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Honda CR-V insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $236 $376 $298 $18 $90 $1,043 $87
CR-V EX 2WD $236 $376 $298 $18 $90 $1,043 $87
CR-V LX 4WD $236 $376 $298 $18 $90 $1,043 $87
CR-V EX 4WD $272 $376 $298 $18 $90 $1,079 $90
CR-V EX-L 2WD $272 $376 $298 $18 $90 $1,079 $90
CR-V EX-L 4WD $272 $376 $298 $18 $90 $1,079 $90
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Honda CR-V insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $146 $236 $298 $18 $90 $788 $66
CR-V EX 2WD $146 $236 $298 $18 $90 $788 $66
CR-V LX 4WD $146 $236 $298 $18 $90 $788 $66
CR-V EX 4WD $168 $236 $298 $18 $90 $810 $68
CR-V EX-L 2WD $168 $236 $298 $18 $90 $810 $68
CR-V EX-L 4WD $168 $236 $298 $18 $90 $810 $68
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific garaging location which can lower or raise insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $22 more each month or $264 each year than quoting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 34 months between claim filings, you would most likely save money if you choose a higher deductible.

Accidents and violations increase rates

The chart below demonstrates how citations and at-fault claims can influence Honda CR-V insurance prices for different age groups. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Get discounts to get affordable Denver insurance quotes

Some companies do not advertise every available discount very clearly, so the list below gives a summary of some of the best known and the harder-to-find ways to save on insurance. If you check and find you aren't receiving every discount you qualify for, you could be getting lower rates.Insurance discounts

While discounts sound great, it's important to understand that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way. But any discount will bring down your premiums.

Popular insurance companies and some of the premium reductions they offer are:

When comparing rates, check with all the companies how you can save money. Some of the discounts discussed earlier might not be offered on policies in your area. To view companies that offer some of these discounts in Denver, click here.

Auto insurance protects more than just your car

Despite the fact that auto insurance is not cheap in Denver, insuring your vehicle is not optional due to several reasons.

The benefits of buying auto insurance are definitely more than the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $810 a year so it's very important to do a rate comparison every year to save money.

You are unique and your insurance should be too

When quoting and comparing proper insurance coverage, there is no one-size-fits-all type of policy. Everyone's situation is a little different.Drive safe and save

For instance, these questions may help highlight whether your personal situation might need professional guidance.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Exclusive versus independent car insurance agents

Certain consumers prefer to sit down and talk to an agent and that is recommended in a lot of cases The best thing about comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent. And supporting local agents is important especially in Denver.

Denver insurance agentsTo help locate an agent, after submitting this short form, your information gets sent to companies in Denver that can give you free Denver car insurance quotes for your business. You won't even need to drive around due to the fact that quote results will go instantly to you. You can get cheaper insurance rates and an insurance agent to talk to. If you have a need to get a price quote for a specific company, don't hesitate to go to their quote page and fill out the quote form the provide.

Different types of Denver auto insurance agents

If you are wanting to find a reputable agency, it helps to know the two different types of agents and how they are distinctly different. Insurance agencies in Denver can be classified as either independent or exclusive.

Independent Agents

Agents of this type do not work for one specific company and that gives them the ability to insure with many different companies and find you the best rates. If they find a cheaper price, your agent can just switch to a different company and you don't have to do anything. When comparing insurance prices, we highly recommend that you get rate quotes from a few independent agents to maximize your price options.

The following is a short list of independent agents in Denver that may be able to give free rate quotes.

2055 S Federal Blvd - Denver, CO 80219 - (303) 975-1229 - View Map

Westwood Insurance
57 W Alameda Ave - Denver, CO 80223 - (303) 722-2841 - View Map

2696 CO-2 - Denver, CO 80222 - (303) 377-1172 - View Map

More Denver agents

Exclusive Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company such as Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are highly trained on their products and sales techniques which helps offset the inability to provide other markets.

Listed below are Denver exclusive agencies that can give you price quote information.

535 16th St #350 - Denver, CO 80202 - (303) 628-0554 - View Map

Alan Deines - State Farm Insurance Agent
2120 S Ash St Unit 150 - Denver, CO 80222 - (303) 388-4400 - View Map

118 W 5th Ave - Denver, CO 80204 - (303) 280-1115 - View Map

More Denver agents

Choosing the best car insurance agent is decision based upon more than just the quoted price. The answers to these questions are important, too.