2013 Honda Crosstour Car Insurance Quotes – 10 Ways to Save

Wish you could get a refund on an expensive car insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company to get the lowest rate

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is quite easy. But vehicle owners should learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to compare auto insurance quotes

Most companies such as State Farm and Allstate give price estimates from their websites. Getting online rates is quite easy as all you need to do is type in the amount of coverage you want into a form. After you submit the form the quote system makes automated requests for information on your driving record and credit history and returns pricing information based on many factors. This makes it a lot easier to compare rates but the process of having to visit several different sites and type in the same information is monotonous and tiresome. But it’s very important to do this in order to find the best price on auto insurance.

There is an easier way to compare rates

The preferred way to find cheaper rates uses one simple form to return rates from more than one company. It saves time, eliminates form submissions, and makes comparison shopping much more efficient. After sending your information, it gets priced and you are able to buy any one of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and use this form to compare rates, click here and input your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits just like they are on your policy. This makes sure you will get a price comparison based on identical coverages.

Find hidden discounts to get affordable auto insurance rates

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but less common discounts must be manually applied before they will apply.

• Auto/Home Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save 10% to 20% off each policy.
• Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
• College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
• Responsible Driver Discounts – Insureds without accidents may save up to 50% more for Crosstour coverage as compared to drivers with claims.
• Service Members Pay Less – Being on active deployment in the military can result in better prices.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Save over 55 – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Crosstour coverage.
• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Crosstour coverage with certain companies.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

A quick disclaimer, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and some of their more popular discounts are detailed below.

• Mercury Insurance offers premium reductions for ease of repair, good driver, accident-free, low natural disaster claims, age of vehicle, annual mileage, and multi-policy.
• Farmers Insurance discounts include electronic funds transfer, mature driver, early shopping, switch companies, good student, and bundle discounts.
• Farm Bureau has discounts for driver training, renewal discount, multi-vehicle, multi-policy, 55 and retired, and safe driver.
• State Farm offers discounts including anti-theft, Drive Safe & Save, student away at school, multiple autos, good driver, and passive restraint.
• Allstate has savings for premier discount, eSmart discount, good payer, senior citizen, auto/life discount, passive restraint, and defensive driver.
• Geico includes discounts for air bags, daytime running lights, defensive driver, membership and employees, federal employee, good student, and anti-theft.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Discounts may not apply to policies in your area. For a list of providers with the best discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining if your situation may require specific advice.

• When can I cancel my policy?
• Do I have any recourse if my insurance company denies a claim?
• Should I buy only the required minimum liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my babysitter covered when using my vehicle?
• What if I total my 2013 Honda Crosstour and owe more than it’s worth?
• Can I rate high risk drivers on liability-only vehicles?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need motorclub coverage?
• Can I afford to buy a different vehicle if my 2013 Honda Crosstour is totaled?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a Honda Crosstour

Having a good grasp of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Comprehensive auto insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, theft, fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – Liability insurance provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for rehabilitation expenses, prosthetic devices, chiropractic care, dental work and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Crosstour.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – This pays for damage to your Crosstour resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Final thoughts

Some car insurance companies do not offer internet price quotes and most of the time these regional insurance providers prefer to sell through independent agents. Cost effective 2013 Honda Crosstour insurance is attainable on the web as well as from insurance agents, so compare prices from both to have the best rate selection.

When searching for cheaper insurance coverage quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

For more information, feel free to visit the articles below:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• What is a Telematics Device? (Allstate)
• Teen Driving Statistics (iihs.org)