2014 Honda Crosstour Insurance Quotes

Tired of scraping nickels together to pay high car insurance rates every month? You’re in the same situation as many other drivers.

Many insurance companies vie for your business, and it can be difficult to compare rates and uncover the absolute best rates possible.

Consumers need to price shop coverage before your policy renews because car insurance rates are rarely the same from one policy term to another. If you had the best rate for Crosstour coverage on your last policy there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you’re about to find out the proper way to buy cheaper car insurance.

If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Finding the best rates is not rocket science. Nevertheless, car owners do need to understand how insurance companies sell insurance online because it can help you find the best coverage.

Double check you’re getting these money-saving discounts

Auto insurance companies do not list the complete list of policy discounts very clearly, so here is a list a few of the more well known and also the more inconspicuous ways to save on auto insurance.

• Active Service Discounts – Being on active duty in the military could be rewarded with lower auto insurance rates.
• Driver’s Education for Students – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
• Multi-policy Discount – If you can bundle your auto and homeowners insurance with one company you will save nearly 15% which can help you find the cheapest insurance.
• First Accident Forgiveness – but certain companies will allow you to have one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
• Defensive Driver Discount – Passing a defensive driver course could earn you a small percentage discount if you qualify.
• Early Renewal Discounts – A few insurance companies offer discounts for switching to them before your current expiration date. This discount can save up to 10%.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, nobody gets a free ride.

Car insurance companies who may offer most of these discounts possibly include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you want cheap insurance quotes, ask each insurance company to give you their best rates. A few discounts might not be offered on policies in your area. To choose companies with the best discounts, click here to view.

Informed consumers can reduce their insurance prices

Multiple criteria are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are less apparent such as whether you are married or how financially stable you are.Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels.

Listed below are some of the factors car insurance companies consider when setting your rates.

• Your location is important – Living in small towns and rural areas has it’s advantages when it comes to car insurance. People in densly populated areas tend to have more aggressive driving styles and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.
• Poor credit decisions can cost you – Your credit rating can be an important factor in calculating your premium rate. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores. Therefore, if your credit leaves room for improvement, you could save money insuring your 2014 Honda Crosstour by taking the time to improve your credit score.
• Increase comp and collision deductibles to save – The deductibles you choose tell how much you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be rearending another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount you have to pay, the lower your rates will be for Crosstour coverage.
• Liability coverage risk factors in – The liability coverage on your policy kicks in when you are responsible for physical damage or personal injury to other. It provides legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Males pay more for auto insurance – Statistics have proven that females take fewer risks when driving. It does not mean females are better drivers. Men and women are in fender benders at a similar rate, but the male of the species cause more damage. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high car insurance rates.
• Insurance rates for married couples – Having a spouse can get you a discount on your policy. Marriage is viewed as being more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Can a thief steal your car? – Buying a car with advanced anti-theft systems can save you some money. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.

Do I need special coverages?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• Does my policy cover my teen driver if they drive my company car?
• When would I need additional glass coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered if I hit a deer?
• Should I rate my 2014 Honda Crosstour as pleasure use or commute?
• Where can I find DUI or SR-22 insurance?
• What is UM/UIM insurance?
• Is my babysitter covered when using my vehicle?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, rock chips in glass and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, medical expenses, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Crosstour.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses like funeral costs, dental work, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

In this article, we covered a lot of tips how to reduce 2014 Honda Crosstour insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may be surprised to find that the biggest savings come from the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

Some insurance providers may not offer online quoting and many times these small insurance companies provide coverage only through independent agents. More affordable insurance coverage is possible from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture.

Additional insurance coverage information can be read at the links below

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)