Would you like to buy the cheapest Honda CR-V insurance in Knoxville? Online price comparisons for the cheapest Honda CR-V insurance in Knoxville can seem complicated if you have never used online rate comparisons. Don't be confused because there is an easy way to compare rates for Honda CR-V insurance in Knoxville.

Insurance rates Honda CR-V in KnoxvilleInconceivable but true, nearly 70% of Tennessee drivers have remained with the same car insurance company for more than four years, and nearly the majority have never compared quotes from other companies. American insurance shoppers could save themselves 46.5% a year by just shopping around, but most just don't grasp the amount of money they would save if they replace their high priced policy.

Finding affordable auto insurance coverage in Knoxville is actually quite simple. Basically, every driver who needs lower cost auto insurance will most likely be able to find lower rates. But Tennessee vehicle owners must comprehend how the larger insurance companies sell insurance online because rates are impacted by many factors.

Insurance quotes and discounts

Companies offering auto insurance don't always list every disount available in a way that's easy to find, so the below list has a few of the more common and the more hidden discounts that you can inquire about if you buy Knoxville auto insurance online.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, it just doesn't work that way.

A list of companies and their offered discounts can be read below.

If you need affordable Honda CR-V insurance quotes, ask each insurance company which credits you are entitled to. A few discounts may not apply to policyholders in Knoxville. To find insurance companies with the best Honda CR-V insurance discounts in Tennessee, follow this link.

Just keep in mind that comparing more quotes will increase your chances of finding a lower rate.

The companies shown below can provide comparison quotes in Knoxville, TN. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Honda CR-V Insurance Estimates in Knoxville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $180 $250 $322 $20 $96 $868 $72
CR-V EX 2WD $176 $306 $332 $20 $100 $934 $78
CR-V LX 4WD $166 $306 $230 $14 $70 $786 $66
CR-V EX 4WD $254 $310 $322 $20 $96 $1,002 $84
CR-V EX-L 2WD $214 $380 $278 $16 $84 $972 $81
CR-V EX-L 4WD $134 $190 $250 $14 $74 $662 $55
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific Knoxville garaging location which can affect prices considerably.

Analysis of deductible levels

The information below highlights how deductible choice and can impact Honda CR-V yearly insurance costs for each age group. The data assumes a single male driver, comp and collision included, and no discounts are applied.

You Can Change Your Insurance Prices

Multiple criteria are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving history, although others are not as apparent such as whether you are married or your financial responsibility.

Car insurance liability limits - Your insurance policy's liability coverage will provide protection in the event that you are found to be at fault for an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Advanced theft deterrents - Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.

Insurance rates in urban areas - Being located in areas with lower population has it's advantages if you are looking for the lowest rates. Urban drivers have to deal with more road rage incidents and longer commute times. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.

Avoid policy lapses - Allowing your insurance policy to lapse is a guaranteed way to trigger a rate increase. Not only will you pay more, being ticketed for driving with no insurance may result in a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Tennessee DMV.

Honda CR-V historical loss data - Insurance companies include the past claim trends for vehicles as a tool for profitable underwriting. Models that tend to have increased claim numbers or amounts will have a higher premium rate. The table below shows the insurance loss data used by companies for Honda CR-V vehicles.

For each policy coverage type, the loss probability for all vehicles, as an average, is equal to 100. Numbers shown that are under 100 suggest losses that are better than average, while numbers above 100 point to more claims or statistically larger losses.

Honda CR-V Insurance Claim Statistics

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda CR-V 4dr 2WD 68 81 58 93 86 77
Honda CR-V 4dr 4WD 69 82 69 90 87 78

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying from insurance agents

Many drivers would prefer to get advice from a local agent and that is a personal choice. An additional benefit of comparing rate quotes online is the fact that drivers can get cheap car insurance quotes and still buy from a local agent.

Insurance agency in KnoxvilleBy using this simple form, your insurance coverage information is immediately sent to local insurance agents in Knoxville who will give you quotes and help you find cheaper coverage. You never need to search for an agent since rate quotes are delivered immediately to your email address. You'll get the best rates AND an agent nearby. If you wish to compare rates from a particular provider, you would need to navigate to their website and complete a quote there.

Picking an insurer requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

If you prefer to buy car insurance from a reliable agent, you must know there are a couple different agency structures and how they function. Agents in Knoxville are considered either exclusive agents or independent agents.

Exclusive Car Insurance Agents

Exclusive agents have only one company to place business with such as Farmers Insurance or State Farm. These agents are not able to shop your coverage around so you need to shop around if the rates are high. These agents are trained well on sales techniques which helps overcome the inability to quote other rates. A lot of people choose to use a exclusive agent mainly due to loyalty to the company rather than having low rates.

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

More insurance agents

Independent Agents

Agents in the independent channel do not work for one specific company so they have the ability to put coverage with any number of different companies and find you the best rates. If your agent finds better pricing, they simply switch companies in-house and you can keep the same agent.

When searching for an agent, you will want to compare prices from a few independent agents to have the most options to choose from. Most also have access to different regional companies which can be an advantage.

The following is a short list of independent agencies in Knoxville who can help you get comparison quotes.

More insurance agents

Three good reasons to insure your Honda CR-V

Despite the fact that auto insurance is not cheap in Knoxville, maintaining insurance is not optional due to several reasons.

The benefits of having auto insurance more than cancel out the cost, especially for larger claims. The average driver in Tennessee is wasting up to $825 a year so it's important to compare rates at least once a year to help ensure money is not being wasted.

In the end, you can save money

As you quote Knoxville auto insurance, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Low-cost Honda CR-V insurance in Knoxville is available both online and with local Knoxville insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies don't offer rate quotes online and most of the time these regional carriers provide coverage only through independent agencies.

We just covered a lot of ways to find affordable Honda CR-V insurance in Knoxville. The most important thing to understand is the more times you quote, the better chance you'll have of finding the cheapest Honda CR-V rate quotes. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

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