Are you tired of overpaying and want cheaper Honda CR-V insurance in Worcester? Are you regretting the purchase of an underperforming, overpriced auto insurance policy? It's a common feeling and many consumers are feeling buyer's remorse and feel like there's no way out.
It's shocking but a large majority of drivers have remained with the same auto insurance company for well over three years, and approximately 38% of consumers have never quoted auto insurance rates at all. Drivers in Massachusetts can cut their rates by 45% a year by just shopping around, but they won't spend time to shop their coverage around. Companies like GEICO, 21st Century and Progressive continually hit you with ads and it is difficult to see through the deception and do the work needed to find the best deal.
Finding a lower price on insurance is an easy way to save money. You just have to take a couple of minutes comparing rate quotes to see which company has inexpensive Worcester car insurance quotes.
It's so simple to compare auto insurance rates online takes the place of having to drive around to each insurance agency near you. The ability to quote Honda CR-V insurance online eliminates this option unless you have a complicated situation and need the professional advice of an agent trained in personal lines coverage. Drivers can get prices online and have a local agent actually service the policy.
The companies shown below have been selected to offer price quotes in Worcester, MA. If more than one company is shown, it's a good idea that you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$140||$224||$284||$16||$86||$750||$63|
|CR-V EX 2WD||$178||$282||$290||$18||$86||$854||$71|
|CR-V LX 4WD||$204||$330||$292||$18||$88||$932||$78|
|CR-V EX 4WD||$258||$358||$284||$16||$86||$1,002||$84|
|CR-V EX-L 2WD||$202||$326||$370||$22||$110||$1,030||$86|
|CR-V EX-L 4WD||$222||$350||$322||$18||$96||$1,008||$84|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific garaging location which can revise prices considerably.
Cost comparison with and without full coverage
The example below shows the difference between Honda CR-V insurance costs with and without physical damage coverage. The data assumes no claims or violations, $100 deductibles, married male driver, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no definitive formula to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's assume your Honda CR-V settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your deductible. If it's costing you more than $700 a year for physical damage coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you haven't satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Bad driving habits will cost you more
The example below shows how violations and at-fault collisions increase Honda CR-V insurance rates for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Compare rates but buy from a neighborhood Worcester auto insurance agent
Certain consumers just want to visit with an insurance agent and there is nothing wrong with that. Agents are very good at helping people manage risk and will help you if you have claims. The best thing about comparing rates online is you may find cheap rate quotes and still buy from a local agent.
Upon completion of this form (opens in new window), your insurance data gets sent to agents in your area who will give competitive quotes for your coverage. There is no need to leave your computer due to the fact that quote results will go straight to your inbox. If you need to compare prices from a specific company, feel free to visit that company's website and submit a quote form there.
Finding a good insurance company shouldn't rely on just a cheap price quote. Some important questions to ask are:
- Is auto insurance their primary focus in Worcester?
- How will an accident affect your rates?
- Are you getting all the discounts the company offers?
- Has the agent ever had any license suspensions?
- Will the agent or a CSR service your policy?
- Can glass claims be handled at your home?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company have a solid financial rating?
Exclusive or Independent: There is a difference
If you prefer to buy auto insurance from a reputable insurance agent or broker, there are a couple of different agency structures and how they can service your needs differently. Worcester agents can be described as either independent (non-exclusive) or exclusive. Both types can do a good job, but it's important to know the difference in how they write coverage since it can impact which type of agent you select.
Exclusive Auto Insurance Agencies
Exclusive insurance agents can usually just insure with one company such as Farmers Insurance, State Farm, or Allstate. They usually cannot compare other company's rates so they have to upsell other benefits. They are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.
Listed below is a list of exclusive insurance agents in Worcester that can give you price quotes.
Allstate Insurance: Bill Rhines
1280 Main St - Worcester, MA 01603 - (508) 799-2600 - View Map
Independent Insurance Agents
These agents are not employed by one company so they can quote policies with a variety of different insurance companies and find the cheapest auto insurance rates. If prices rise, your agent can just switch to a different company and the insured can keep the same agent.
If you are comparing rate quotes, it's recommended you check rates from a couple of independent agencies to get the most accurate price comparison.
Shown below is a list of independent agencies in Worcester who can help you get comparison quotes.
Worcester, MA 01610 - Worcester, MA 01610 - (508) 755-2492 - View Map