Have you had enough of scraping nickels together to insure your Honda every month? You're in the same situation as millions of other people.

Insurance for Honda CR-VShocking but true, almost 70% of insureds in South Carolina kept their coverage with the same insurance company for more than four years, and almost 40% of drivers have never even compared rates from other companies. Many drivers in the U.S. can cut their rates by almost 47% a year by just comparing rate quotes, but they just feel it's too hard to compare rate quotes. Insurance companies such as GEICO, Progressive and Allstate constantly blast consumers with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you have coverage now or are looking for a new policy, use these techniques to reduce the price you pay while maximizing coverage. Buying affordable car insurance in Charleston is not rocket science. Smart shoppers only need to know the most time-saving way to compare rate quotes over the internet.

Affordable companies for Honda CR-V insurance in South Carolina

The companies shown below are ready to provide free quotes in Charleston, SC. If multiple providers are shown, it's highly recommended you visit two to three different companies in order to find the lowest rates.

Honda CR-V Insurance Estimates in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $146 $250 $278 $16 $84 $774 $65
CR-V EX 2WD $186 $294 $290 $18 $86 $874 $73
CR-V LX 4WD $180 $310 $278 $16 $84 $868 $72
CR-V EX 4WD $230 $370 $278 $16 $84 $978 $82
CR-V EX-L 2WD $184 $304 $328 $20 $98 $934 $78
CR-V EX-L 4WD $238 $362 $392 $24 $118 $1,134 $95
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location which can increase or decrease coverage rates significantly.

How high should deductibles be?

When comparing auto insurance rates, the most common question is how high should the physical damage coverage deductibles be. The following tables sum up the rate differences when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible and the second rate table uses a $1,000 deductible.

Honda CR-V insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $256 $436 $290 $18 $86 $1,111 $93
CR-V EX 2WD $256 $436 $290 $18 $86 $1,111 $93
CR-V LX 4WD $256 $436 $290 $18 $86 $1,111 $93
CR-V EX 4WD $294 $436 $290 $18 $86 $1,149 $96
CR-V EX-L 2WD $294 $436 $290 $18 $86 $1,149 $96
CR-V EX-L 4WD $294 $436 $290 $18 $86 $1,149 $96
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Honda CR-V insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $142 $230 $290 $18 $86 $766 $64
CR-V EX 2WD $142 $230 $290 $18 $86 $766 $64
CR-V LX 4WD $142 $230 $290 $18 $86 $766 $64
CR-V EX 4WD $162 $230 $290 $18 $86 $786 $66
CR-V EX-L 2WD $162 $230 $290 $18 $86 $786 $66
CR-V EX-L 4WD $162 $230 $290 $18 $86 $786 $66
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in zip code location which can influence coverage rates substantially.

Based on this data, using a $100 deductible could cost the average driver approximately $30 more each month or $360 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 30 months between claims, you would probably be better off if you opt for a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

Reckless driving habits raise auto insurance rates

The diagram below highlights how speeding tickets and at-fault accidents can raise Honda CR-V insurance prices for each different age category. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Affordable Honda CR-V insurance quotes in Charleston

Car insurance companies don't necessarily list the complete list of policy discounts in a way that's easy to find, so the following list contains both well-publicized as well as some of the hidden ways to save on auto insurance.Cheaper auto insurance with discounts

Keep in mind that most credits do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, that's just not realistic.

The best auto insurance companies and some of their more popular discounts are:

If you are trying to find the cheapest Honda CR-V rate quotes, ask each company or agent the best way to save money. Discounts may not be offered in Charleston. For a list of companies offering auto insurance discounts in Charleston, click here to view.

Insurance agents are trained to help

Some people would rather visit with an insurance agent and that is just fine! Professional insurance agents are highly skilled in risk management and help submit paperwork. A nice benefit of comparing insurance online is you may find the best rates but also keep your business local.

Charleston insurance agentsFor easy comparison, once you complete this quick form, your information is sent to participating agents in Charleston that can give you free Charleston car insurance quotes for your insurance coverage. It's much easier because you don't need to find an agent because prices are sent immediately to you. If you need to get a price quote from a specific insurance company, you just need to navigate to their website and fill out the quote form the provide.

Finding the right company shouldn't rely on just a cheap price. Some important questions to ask are:

When finding a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents can either be independent or exclusive depending on the company they work for. Both types can provide insurance policies, but it's good to learn how they are different because it can impact your selection of an agent.

Exclusive Agents

Agents that choose to be exclusive can only place business with one company and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive agencies are well trained on their products and sales techniques which helps them sell on service rather than price.

Below are exclusive agencies in Charleston that are able to give price quote information.

1715 Sam Rittenberg Blvd - Charleston, SC 29407 - (843) 769-5000 - View Map

630 Skylark Dr o - Charleston, SC 29407 - (843) 203-6855 - View Map

6541 Rivers Ave Ste A - North Charleston, SC 29406 - (843) 203-4760 - View Map

More Charleston agents

Independent Insurance Agents

Independent insurance agents do not write with just one company and that enables them to quote your coverage with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, your policy is moved internally which makes it simple for you. If you need lower rates, we recommend you get some free quotes from at least one independent agent for maximum quote selection.

Shown below are Charleston independent insurance agencies that are able to give comparison quotes.

Angel Insurance Agency LLC
2810 Ashley Phosphate Rd #6 - North Charleston, SC 29418 - (843) 767-0100 - View Map

1901 Ashley River Rd - Charleston, SC 29407 - (843) 577-7898 - View Map

3353 Rivers Ave - Charleston, SC 29405 - (843) 325-2326 - View Map

More Charleston agents

If you receive positive responses to all your questions as well as an affordable premium quote, it's a good possibility that you have found an auto insurance agent that is a good match to properly insure your vehicles.

Insurance ads are enticing

Consumers constantly see and hear ads that claim the best rates by State Farm, Allstate and GEICO. All the ads try to convey promises that drivers will save a bundle if you move your coverage to them.

But how can every company make the same claim? Here is the trick they use.

Companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a profitable risk profile could be between 25 and 40, has no claims, and insures a new vehicle. Anybody who meets those qualifications is entitled to the best price and will most likely save quite a bit of money when switching.

Potential insureds who do not fit these standards will get a more expensive rate and this can result in business not being written. If you listen closely, the ads state "people who switch" but not "all drivers who get quotes" can save as much as they claim. That's the way companies can make those claims. Different companies use different criteria so drivers should compare as many free Charleston car insurance quotes as you can. It is impossible to guess which insurance companies will have the best Honda CR-V insurance in Charleston.

Which is the best auto insurance?

Always keep in mind that when comparing the best auto insurance coverage, there really isn't a "perfect" insurance plan. Every situation is different.Higher deductibles save money

Here are some questions about coverages that can help discover whether your personal situation might need an agent's assistance.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.

Insurance coverage specifics

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Honda CR-V.

Since many South Carolina drivers have only the minimum liability required by law (South Carolina limits are 25/50/25), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills such as ambulance fees, pain medications, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, vandalism, damage from a tornado or hurricane, hail damage and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Collision coverage

This coverage pays for damage to your CR-V from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your CR-V in order to get cheaper collision rates.

Liability auto insurance

This will cover damage that occurs to other's property or people in an accident. This insurance protects YOU against other people's claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like funeral expenses, pain and suffering, repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. South Carolina requires drivers to carry at least 25/50/25 but it's recommended drivers buy higher limits.

More quotes mean more auto insurance savings

Throughout this article, we presented many tips how you can lower your Honda CR-V insurance rates in Charleston. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest rates are with the least-expected company.

A few companies don't offer online rate quotes and usually these smaller companies work with independent agents. The cheapest Honda CR-V insurance in Charleston can be bought on the web in addition to local insurance agencies, so you need to compare both to get a complete price analysis.

When buying insurance coverage, make sure you don't buy poor coverage just to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret that it was a big error on their part. Your objective should be to purchase plenty of coverage at an affordable rate.

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