Are you looking for the cheapest car insurance rates in Houston, TX? Houston buyers have many options when searching for the best price on Honda CR-V insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to get rate quotes.
There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to price shop coverage for a Honda and obtain the best price possible either online or from Houston insurance agents.
This article will help you learn the best way to quote coverages and some money-saving tips. If you are already insured, you stand a good chance to be able to cut your premiums using the techniques presented in this article. You only have to learn the most efficient way to shop for auto insurance online.
The easiest way to compare insurance rates in your area is to know car insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is provide a small amount of information such as coverage limits, if you require a SR-22, if you have an active license, and the ages of drivers. That rating data is then sent to many highly-rated insurers and they return cost estimate almost instantly.
To compare multiple company lower-cost Honda CR-V insurance rates now, click here and see if a lower rate is available in Houston.
The companies shown below offer quotes in Texas. If multiple providers are shown, it’s highly recommended you compare several of them to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $198 | $338 | $304 | $18 | $92 | $950 | $79 |
| CR-V EX 2WD | $220 | $400 | $366 | $22 | $110 | $1,118 | $93 |
| CR-V LX 4WD | $124 | $218 | $310 | $18 | $94 | $764 | $64 |
| CR-V EX 4WD | $176 | $252 | $330 | $20 | $98 | $876 | $73 |
| CR-V EX-L 2WD | $252 | $404 | $304 | $18 | $92 | $1,070 | $89 |
| CR-V EX-L 4WD | $230 | $346 | $310 | $18 | $94 | $998 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can influence insurance rates considerably.
Choosing deductibles
When buying auto insurance, a common question is how high should the physical damage deductibles be. The tables below may aid in understanding the differences in price between low and high policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| CR-V EX 2WD | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| CR-V LX 4WD | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| CR-V EX 4WD | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| CR-V EX-L 2WD | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| CR-V EX-L 4WD | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| CR-V EX 2WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| CR-V LX 4WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| CR-V EX 4WD | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| CR-V EX-L 2WD | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| CR-V EX-L 4WD | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific location which can alter price quotes considerably.
We can estimate from the data above that using a $250 deductible costs an average of $24 more each month or $288 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 31 months between claims, you would come out ahead if you opt for a higher deductible.
Insurance agents can help
Some people would rather have an agent’s advice and that can be a great decision Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting free rate quotes online is that you can obtain cheap auto insurance rates and still buy from a local agent. And supporting small agencies is important especially in Houston.
After completing this quick form, your insurance data gets sent to agents in your area that can provide free Houston car insurance quotes to get your business. You won’t need to drive around because prices are sent to your email. If for some reason you want to compare rates from a specific auto insurance provider, you would need to go to their quote page and give them your coverage information.
Exclusive agents vs. Independent agents
If you are wanting to purchase auto insurance from a reliable insurance agency, it’s important to understand the different types of agencies and how they function. Auto insurance agents in Houston can be described as either independent or exclusive. Either one can insure your vehicles properly, but it’s worth learning the differences since it could factor into your selection of an agent.
Independent Insurance Agents
Agents that choose to be independent are normally appointed by many insurers and that enables them to quote your coverage amongst many companies and get the cheapest rates. If prices rise, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we highly recommend that you get some free quotes from a couple of independent agencies in order to compare the most rates. Many can place coverage with smaller mutual companies which could offer lower prices.
Below are Houston independent agents that may be able to provide price quotes.
- AAIGOT Insurance Agency Inc.
6633 Hillcroft St #101 – Houston, TX 77081 – (713) 270-9373 – View Map - Hispano’s Insurance Agency
5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600 – View Map - Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so you might not find the best rates. These agents are trained well on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same exclusive agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in Houston that can give you rate quotes.
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map - Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map - Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282 – View Map
Choosing the best auto insurance agent should depend on more than just a low price. These are valid questions to ask:
- Can you contact them at any time?
- Will one accident increase rates?
- If your car is in the repair shop, do you have coverage for a rental car?
- Can you get a list of referrals?
- Does the agent help file claims?
- What are their preferred companies if they are an independent agency?
- How long has their agency been open in Houston?