2010 Honda Accord Crosstour Insurance Quotes

Trying to find cheaper car insurance rates for your Honda Accord Crosstour? No one in their right mind rejoices having to buy car insurance, especially when they are aware that their premiums are through the roof. Due to the abundance of options, it can be impossible to choose the best car insurance company.

Consumers should take time to do price comparisons yearly since insurance rates change regularly. Just because you had the lowest premium rates on Accord Crosstour insurance a year ago there is a good chance you can find better prices now. Don’t believe everything you read about car insurance online but in this article, you’re going to get some guaranteed methods to find cheap car insurance.

Take advantage of every insurance coverage discount

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some need to be asked about before you get the savings.

  • Smart Student Discounts – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Discount for Life Insurance – Companies who offer life insurance give better premium rates if you take out auto and life insurance together.
  • Telematics Devices – Insureds that choose to allow their insurance company to track driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Bundled Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance coverage.
  • Accident Forgiveness – This one isn’t a discount, but some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount due to better safety requirements for new vehicles.

One last thing about discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and the discounts they provide include:

  • Travelers has discounts for multi-car, early quote, payment discounts, driver training, and multi-policy.
  • 21st Century offers premium reductions for good student, air bags, teen driver, driver training, and defensive driver.
  • State Farm policyholders can earn discounts including safe vehicle, multiple policy, anti-theft, driver’s education, passive restraint, and Drive Safe & Save.
  • GEICO may have discounts that include air bags, anti-theft, daytime running lights, defensive driver, membership and employees, five-year accident-free, and multi-vehicle.
  • SAFECO offers discounts including multi-car, accident prevention training, drive less, bundle discounts, and safe driver.
  • AAA may include discounts for multi-car, good driver, AAA membership discount, good student, anti-theft, multi-policy, and education and occupation.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. All car insurance discounts might not apply in your area. To choose insurance companies that provide some of the discounts listed above, follow this link.

The best way we recommend to compare car insurance rates is to know the fact all the major auto insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is give the companies some data like whether you are single or married, how many miles driven, the make and model of your vehicles, and driver details. That rating data is then submitted to insurance carriers in your area and you will get price comparisons with very little delay.

Learn how to lower your insurance costs

Multiple criteria are used when you get your auto insurance bill. Some are obvious such as your driving history, although others are more obscure such as your credit history or your vehicle rating.

  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are required to spend if a covered claim is submitted. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered are a windshield broken by a bird, vandalism, or theft of your vehicle. The higher the amount you have to pay, the better rate you will receive on Accord Crosstour insurance.
  • Responsible drivers pay better premiums – Your driving record has a big impact on rates. Drivers with clean records get better prices compared to bad drivers. Having just one driving citation could increase your next policy renewal forty percent or more. Drivers who have received license-revoking citations like reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Liability insurance is peace of mind – Your policy’s liability coverage kicks in in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Pleasure use saves money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how you use the vehicle. Cars that have low annual miles qualify for better rates than vehicles that are driven to work every day. Make sure your vehicle rating is rated on the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Accord Crosstour can result in significantly higher rates.
  • Alarms and GPS tracking systems cut auto insurance rates – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
  • Poor credit can mean higher costs – An insured’s credit score is a big factor in calculating your premium rate. Drivers with very good credit scores tend to be less risk to insure than drivers with lower credit scores. Therefore, if your credit score can be improved, you could potentially save money when insuring your 2010 Honda Accord Crosstour by spending a little time repairing your credit.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation may require specific advice.

  • Do I have coverage if my license is suspended?
  • What vehicles should carry emergency assistance coverage?
  • Is a blown tire covered by insurance?
  • Will my insurance pay for OEM parts?
  • I don’t drive much so do I pay less?
  • Do I need replacement cost coverage?
  • How many claims can I have before being cancelled?
  • Will I lose any money if I cancel my policy before it expires?

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 agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2010 Honda Accord Crosstour

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Honda Accord Crosstour.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, driving through your garage door, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, legal defense fees, repair costs for stationary objects and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like ambulance fees, hospital visits, dental work and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, theft, damage from flooding and rock chips in glass. The highest amount 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 it’s probably time to drop comprehensive insurance.

Shop Smart and Save

You just learned a lot of techniques to reduce 2010 Honda Accord Crosstour insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest car insurance rates are with a small local company. Some small companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

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