2015 Honda Crosstour Car Insurance Rates

Are you drained from robbing Peter to pay Paul to buy insurance? You have the same problem as many other consumers. Insurance companies such as Geico, 21st Century and Progressive continually bombard you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Insurance rates are influenced by these factors

It’s important that you understand some of the things that come into play when calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can earn you lower rates.

Listed below are most of the major factors used by companies to determine premiums.

• When should you file a policy claims? – If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Companies provide cheaper rates to people who are claim-free. Your car insurance is intended for claims that pose a financial burden.
• Responsible drivers pay the best prices – Good drivers get better prices as compared to those with violations. Only having one citation can bump up the cost by as much as twenty percent. Drivers who have gotten multiple tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to legally drive.
• Add-on coverages can cost a lot – There are many add-on coverages that can waste your money but may not be useful. Coverages for vanishing deductibles, towing coverage, and Farm Bureau memberships are some examples. You may think they are a good idea initially, but if you don’t need them get rid of them and save.
• Your employer can affect prices – Did you know your job can affect your rates? Jobs like fire fighters, architects and accountants are shown to have higher premium rates in part from job stress and incredibly demanding work hours. On the other hand, jobs like scientists, students and retirees receive lower rates for Crosstour coverage.

How much is car insurance?

Finding more affordable car insurance rates is a great way to save money. You just have to spend a few minutes comparing free insurance coverage quotes provided by online insurance companies. It is quite easy and can be accomplished by using one of the methods below.

1. If you’re in a hurry, the quickest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating a different quote for every prospective company. One form submission gets insurance cost estimates from multiple low-cost companies.
2. A different way to compare rate quotes requires a trip to each company’s website and go through the quote process again. For instance, let’s say you want to see prices from Nationwide, 21st Century and GMAC. You would need to navigate to each company’s site and punch in your information repeatedly, which can take a lot of time. For a handy list of car insurance company links in your area, click here.
3. The hardest method to comparison shop to different agent offices. Comparing rate quotes online makes this unnecessary unless your situation requires the professional abilities only provided by licensed agents. It is possible with some companies obtain prices from the web but buy the policy through an agent.

Which method you use is up to you, but be sure to compare apples-to-apples coverages and limits for every quote you compare. If the quotes have higher or lower deductibles it will be very difficult to determine which rate is truly the best.

Insurance advertising tricks

Drivers can’t escape the ads for cheaper car insurance by State Farm and Allstate. All the companies make the same claim of big savings if you change your policy.

How is it possible that every company can give you a lower rate?

All companies have specific characteristics for the type of customer that will most likely be profitable. An example of this type of insured may be over the age of 40, carries high limits, and drives newer vehicles. Any customer who fits those characteristics will get the preferred prices and as a result will probably save money with a new company.

People who don’t meet these stringent criteria will have to pay a more expensive rate which results in the driver buying from a lower-cost company. The ads state “drivers that switch” not “everyone who quotes” save the amount stated. That’s the way companies can truthfully state the savings.

Because of these techniques, drivers should compare quotes as often as possible. It’s just too difficult to predict which car insurance company will have the lowest prices for your situation.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list every discount they offer very well, so we break down both well-publicized as well as the least known credits that may apply to you.

• Good Student – Excelling in school may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students until age 25.
• Onboard Data Collection – Drivers who elect to allow driving data collection to scrutinize vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
• Federal Government Employee – Federal government employees could qualify for a slight premium decrease for Crosstour coverage depending on your insurance coverage provider.
• Sign Online – Many companies will give you a small discount for signing up digitally online.
• Life Insurance – If the company offers life insurance, you could get better premium rates if you take out life insurance.

Don’t be shocked that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts are outlined below.

• The Hartford offers discounts for air bag, vehicle fuel type, anti-theft, good student, bundle, defensive driver, and driver training.
• American Family discounts include mySafetyValet, accident-free, good student, defensive driver, early bird, and air bags.
• Progressive includes discounts for online signing, good student, homeowner, multi-policy, online quote discount, and multi-vehicle.
• Travelers may include discounts for student away at school, driver training, IntelliDrive, home ownership, save driver, multi-car, and continuous insurance.
• Farmers Insurance offers discounts including homeowner, business and professional, distant student, electronic funds transfer, pay in full, alternative fuel, and multi-car.
• USAA offers premium reductions for multi-vehicle, good student, driver training, vehicle storage, family discount, defensive driver, and multi-policy.
• Liberty Mutual has savings for multi-car, good student, new graduate, safety features, newly married, and hybrid vehicle.

If you need lower rates, check with each insurance company which credits you are entitled to. All car insurance discounts might not be offered on policies in your area. If you would like to view insurance coverage companies with significant discounts, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

• Do I need an umbrella policy?
• Is a fancy paint job covered?
• Should I buy only the required minimum liability coverage?
• Am I insured when driving a different vehicle?
• What if I total my 2015 Honda Crosstour and owe more than it’s worth?
• What is PIP insurance?
• Can I make deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Car insurance coverage basics

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, fire damage, hail damage, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Crosstour.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

This covers damage to your Crosstour from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car, hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like prosthetic devices, rehabilitation expenses, hospital visits, pain medications and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

A tidy conclusion

You just learned some good ideas how you can reduce 2015 Honda Crosstour insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding inexpensive insurance coverage. You may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Additional information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Side Impact Crash Tests (iihs.org)
• Distracted Driving (Insurance Information Insitute)