Are you at wits end from robbing Peter to pay Paul to insure your Honda every month? You have the same problem as many other Minnesota consumers.

Insurance for Honda CR-VStatistics show that almost 70% of drivers have remained with the same insurance company for four years or more, and just short of a majority have never even shopped around for affordable coverage. With the average insurance premium being $2,240, Minnesota drivers can save almost $1,039 each year by just shopping around, but they just feel it's too hard to compare rates and save money.

Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with ad campaigns and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you already have coverage, you will be able to reduce the price you pay using this information. Buying the cheapest auto insurance in St. Paul is really not that difficult. But Minnesota vehicle owners benefit from understanding the way companies charge you for coverage and use it to find better rates.

When looking for affordable Honda CR-V insurance quotes, there are a couple ways to compare prices from all the different companies. By far the easiest way to find the cheapest Honda CR-V insurance rates is to get quotes online.

Online shopping is fast and free, and it replaces the need to drive around to different St. Paul agent offices. Comparing Honda CR-V insurance rate quotes online makes this unnecessary unless you require the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to get the lowest quotes online but buy the policy through an agent. When comparing auto insurance rates, know that obtaining a wide range of quotes increases your odds of finding a lower rate. Some regional insurers cannot provide online price quotes, so it's recommended that you also compare price quotes from those companies as well.

The auto insurance companies shown below provide quotes in Minnesota. If the list has multiple companies, we suggest you click on several of them in order to find the most competitive rates.

Honda CR-V Insurance Costs in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $166 $310 $350 $20 $104 $950 $79
CR-V EX 2WD $114 $220 $304 $18 $92 $748 $62
CR-V LX 4WD $120 $196 $278 $16 $84 $694 $58
CR-V EX 4WD $148 $246 $326 $20 $98 $838 $70
CR-V EX-L 2WD $172 $214 $354 $20 $106 $866 $72
CR-V EX-L 4WD $240 $390 $326 $20 $98 $1,074 $90
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific St. Paul garaging location which can revise prices significantly.

Drive responsibly or pay higher rates

The example below demonstrates how speeding tickets and accidents can affect Honda CR-V premium costs for each age group. The premiums are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Physical damage deductibles: Should you raise them?

The information below demonstrates how deductibles and can raise or lower Honda CR-V insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no discounts are factored in.

Analysis of deductible levels

One of the most common auto insurance questions is which deductibles should you choose. The figures shown below lay out the rate difference when you select higher and lower policy deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Honda CR-V insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $214 $340 $270 $16 $80 $945 $79
CR-V EX 2WD $214 $340 $270 $16 $80 $945 $79
CR-V LX 4WD $214 $340 $270 $16 $80 $945 $79
CR-V EX 4WD $246 $340 $270 $16 $80 $977 $81
CR-V EX-L 2WD $246 $340 $270 $16 $80 $977 $81
CR-V EX-L 4WD $246 $340 $270 $16 $80 $977 $81
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Honda CR-V insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $174 $274 $270 $16 $80 $814 $68
CR-V EX 2WD $174 $274 $270 $16 $80 $814 $68
CR-V LX 4WD $174 $274 $270 $16 $80 $814 $68
CR-V EX 4WD $200 $274 $270 $16 $80 $840 $70
CR-V EX-L 2WD $200 $274 $270 $16 $80 $840 $70
CR-V EX-L 4WD $200 $274 $270 $16 $80 $840 $70
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in St. Paul location which can revise premiums considerably.

Based on this data, using a $250 deductible will cost you about $11 more each month or $132 for a full year than buying the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claims, you would probably save some money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $80
Average monthly premium for $500 deductibles (subtract): - $69
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself if you have a claim. You should have enough disposable savings in order to pay more for the deductible.

Insuring your Honda CR-V just makes sense

Even though it can be expensive, maintaining insurance is required by state law in Minnesota and it also provides benefits you may not be aware of.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver overpays as much as $800 each year so we recommend shopping around at every renewal to ensure rates are competitive.

Do you qualify for discounts on Honda CR-V insurance in St. Paul?

Companies don't necessarily list all possible discounts very clearly, so the list below contains both well-publicized as well as the least known credits available to lower your premiums when you buy St. Paul auto insurance online.Insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, that's just not realistic.

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

Double check with every insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your state. To see a list of providers with discount insurance rates in St. Paul, click here.

When to have guidance from an insurance agency

Some consumers prefer to talk to an insurance agent and that is a personal choice. The biggest benefit of comparing auto insurance online is that drivers can save money and get cheap rate quotes and still buy from a local agent.

Find insurance agent in St. PaulTo find an agent, once you fill out this simple form, your information is emailed to participating agents in St. Paul who will return price quotes and help you find cheaper coverage. You don't have to even leave your home because prices are sent to the email address you provide. You can most likely find cheaper rates AND a local agent. In the event you want to compare rates for a specific company, just jump over to their website and fill out their quote form.

Finding a good provider should depend on more than just a cheap price quote. You should also get answers to these questions.

Pick the best car insurance agent in St. Paul for you

If you prefer to buy auto insurance from a local agent, you must know there are a couple different types of agents and how they function. Auto insurance agents can be described as either independent agents or exclusive agents.

Exclusive Auto Insurance Agents

Exclusive agents can only provide one company's prices like State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company's products which helps offset the inability to provide other markets.

Below is a list of exclusive insurance agencies in St. Paul who can help you get price quotes.

1606 Randolph Ave - St Paul, MN 55105 - (651) 229-0060 - View Map

373 Pedersen St Ste 104 - St Paul, MN 55119 - (651) 730-6666 - View Map

1001 Johnson Pkwy #23 - St Paul, MN 55106 - (651) 771-7083 - View Map

View more St. Paul agents

Independent Insurance Agents

Agents in the independent channel do not have single company limitations and that is an advantage because they can write policies with multiple insurance companies depending on which coverage is best. If your premiums go up, your policy is moved internally and you don't have to find a new agent.

If you need lower rates, we recommend you include rate quotes from several independent agencies to maximize your price options.

The following is a short list of independent agencies in St. Paul that are able to give price quotes.

120 Bridgepoint Way # C - South St Paul, MN 55075 - (651) 451-1758 - View Map

575 University Ave W - St Paul, MN 55103 - (651) 227-8251 - View Map

1050 County Rd E - St Paul, MN 55126 - (651) 414-6400 - View Map

View more St. Paul agents

Once you have received positive responses to your questions and an affordable coverage quote, it's a good possibility that you have found an insurance agency that is a good match to properly service your auto insurance policy. Just understand that once you purchase a policy you can terminate coverage for any reason so never assume you are locked into the auto insurance policy for any length of time.

Do I just need basic coverages?

When quoting and comparing a policy for your personal vehicles, there really is not a cookie cutter policy. Everyone's needs are different.Safe vehicles cost less to insure

These are some specific questions might help in determining whether you might need an agent's assistance.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

One last thing to lower rates

When shopping online for insurance, do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Affordable Honda CR-V insurance in St. Paul can be purchased online and with local St. Paul insurance agents, so you should compare both to have the best rate selection. Some companies may not provide the ability to get a quote online and many times these regional insurance providers prefer to sell through independent insurance agencies.

People leave their current company for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, delays in responding to claim requests and high prices. It doesn't matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Additional detailed information is located at these sites: