Discount Honda CR-V insuranceWould you like to stop wasting money and find more competitive Honda CR-V insurance in Charlotte? Have you finally had enough of not being able to scrape enough together to insure your Honda every month? You are in the same boat as most other drivers in North Carolina.

Astonishing but true according to a recent study, a large majority of drivers have remained with the same auto insurance company for a minimum of four years, and approximately 38% of consumers have never compared rate quotes at all. Many consumers in the United States can save nearly 47% each year by just comparing quotes, but they won't spend time to find cheap insurance by shopping around.

Online insurance companies like GEICO, 21st Century and Progressive constantly blast consumers with ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

When comparison shopping, there are several ways to compare rate quotes from different Charlotte insurance companies. The recommended way to find competitive Honda CR-V insurance rates is to perform an online rate comparison.

It's so simple to compare auto insurance price quotes online makes it a waste of time to drive to each insurance agency near you. Quoting and buying Honda CR-V insurance online has reduced the need for local agents unless you require the professional abilities that you can only get from talking to an agent. Some companies do allow you to obtain prices from the web but have your policy serviced through an agent.

Keep in mind that more quotes helps you find lower pricing. Some regional insurers cannot provide Charlotte CR-V insurance quotes over the internet, so you also need to get price estimates on coverage from those companies, too.

The car insurance companies shown below are ready to provide quotes in North Carolina. If multiple providers are shown, it's a good idea that you visit several of them in order to find the cheapest rates.

Honda CR-V Insurance Estimates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $186 $318 $212 $12 $64 $792 $66
CR-V EX 2WD $130 $242 $276 $16 $82 $746 $62
CR-V LX 4WD $180 $360 $276 $16 $82 $914 $76
CR-V EX 4WD $134 $210 $222 $14 $66 $646 $54
CR-V EX-L 2WD $214 $328 $286 $16 $86 $930 $78
CR-V EX-L 4WD $238 $392 $286 $16 $86 $1,018 $85
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in zip code location which can impact coverage prices greatly.

Gender-based car insurance premiums in Charlotte

The example below illustrates the difference between Honda CR-V insurance prices for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The following insurance rates summarize the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 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 $168 $266 $212 $12 $64 $747 $62
CR-V EX 2WD $168 $266 $212 $12 $64 $747 $62
CR-V LX 4WD $168 $266 $212 $12 $64 $747 $62
CR-V EX 4WD $192 $266 $212 $12 $64 $771 $64
CR-V EX-L 2WD $192 $266 $212 $12 $64 $771 $64
CR-V EX-L 4WD $192 $266 $212 $12 $64 $771 $64
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Honda CR-V insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $136 $214 $212 $12 $64 $638 $53
CR-V EX 2WD $136 $214 $212 $12 $64 $638 $53
CR-V LX 4WD $136 $214 $212 $12 $64 $638 $53
CR-V EX 4WD $156 $214 $212 $12 $64 $658 $55
CR-V EX-L 2WD $156 $214 $212 $12 $64 $658 $55
CR-V EX-L 4WD $156 $214 $212 $12 $64 $658 $55
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific garaging location which can impact prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $9 more each month or $108 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 28 months between claim filings, you would come out ahead if you choose a higher deductible.

Cost difference between full coverage and liability

The chart below illustrates the difference between Honda CR-V car insurance rates with full coverage compared to only the North Carolina minimum liability coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no clear-cut rule of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Honda CR-V book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If you are paying more than $800 a year for full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Charlotte insurance discounts for a Honda CR-V

Companies that sell car insurance don't always advertise every discount they offer in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known credits that you can use to lower your rates.Discount car insurance

Drivers should understand that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, it's just not the way it works.

A list of car insurance companies and some of their more popular discounts can be read below.

When comparing rates, check with each company which discounts you qualify for. A few discounts may not apply in your state. To see companies that offer discounts in Charlotte, click here.

Do I need an agent?

A lot of people still prefer to talk to an insurance agent and that is a smart decision A good thing about comparing rate quotes online is that you can find cheap rate quotes and still buy from a local agent.

Charlotte insurance agentsAfter filling out this quick form, your insurance data is transmitted to agents in your area who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to search for an agent since rate quotes are delivered to the email address you provide. Get lower rates without requiring a lot of work. If for some reason you want to get a rate quote for a specific company, don't hesitate to find their quoting web page to submit a rate quote request.

Selecting an company is decision based upon more than just the price. Any agent in Charlotte should be forthright in answering these questions:

Do you need an independent or exclusive car insurance agent?

If you are wanting to purchase insurance from an insurance agent, you should know the types of insurance agents that differ in how they can insure your vehicles. Agents in Charlotte are considered either exclusive or independent.

Exclusive Agents

These type of agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are well schooled on the products they sell and that can be a competitive advantage.

Listed below are Charlotte exclusive agencies willing to provide comparison quotes.


6215 Brookshire Blvd - Charlotte, NC 28216 - (704) 392-4166 - View Map


210 East Trade Street, C-340 - Charlotte, NC 28202 - (704) 332-1970 - View Map


13551 Steelecroft Pkwy #120 - Charlotte, NC 28278 - (704) 588-5585 - View Map

More Charlotte agents

Independent Insurance Agencies

Agents in the independent channel do not sell for just one brand and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you don't have to switch agencies. If you are comparing insurance prices, you will want to check rates from a couple of independent agencies to maximize your price options.

The following are Charlotte independent agents willing to provide price quotes.


9010 Glenwater Dr #103 - Charlotte, NC 28262 - (704) 494-9495 - View Map


8820 University E Dr Ste B - Charlotte, NC 28213 - (704) 945-2331 - View Map


7701-D Sharon Lakes Road - Charlotte, NC 28210 - (704) 825-7000 - View Map

More Charlotte agents

Upon receiving good answers to any questions you have as well as a price you're happy with, you may have found an auto insurance agent that can properly service your insurance policy.

Why you need Honda CR-V insurance in North Carolina

Even though it's not necessarily cheap to insure a Honda in Charlotte, car insurance is not optional due to several reasons.

The benefits of having insurance more than offset the price you pay, especially with large liability claims. But the average American driver is wasting up to $850 per year so compare rates once a year at a minimum to ensure rates are competitive.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages available from car insurance companies.

Protection from uninsured/underinsured drivers - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Due to the fact that many North Carolina drivers carry very low liability coverage limits (30/60/25 in North Carolina), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Med pay and PIP coverage kick in for short-term medical expenses such as surgery, dental work, pain medications and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages - This can cover damage that occurs to other people or property that is your fault. It protects you against claims from other people. Liability doesn't cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 30/60/25 that means you have $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, medical expenses, legal defense fees and loss of income. How much coverage you buy is up to you, but it's cheap coverage so purchase as high a limit as you can afford. North Carolina state law requires minimum liability limits of 30/60/25 but it's recommended drivers buy more liability than the minimum.

Collision coverage - This coverage covers damage to your CR-V caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, rolling your car, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your CR-V to get cheaper collision coverage.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, theft, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Lower rates by being persistent

We just showed you a lot of information how to find cheap Honda CR-V insurance in Charlotte. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may even discover the lowest priced auto insurance comes from a smaller regional carrier. These companies often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

When buying insurance coverage, make sure you don't skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

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