Compare 2011 Honda Accord Crosstour Insurance Quotes

Nobody fancies paying their premiums for insurance, especially when they know the cost is way too high.

Insurance companies such as Allstate and Progressive constantly blast consumers with TV and radio ads and it can be hard to see past the corporate glitz and find the best price available.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. Nevertheless, vehicle owners do need to learn how the larger insurance companies determine prices and use this information to your advantage.

Verify you’re earning every discount

Auto insurance is easily one of your largest bills, but there could be available discounts that you may not even be aware of. Some discounts will apply when you purchase, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Accident Waiver – This one isn’t a discount, but some companies like State Farm and Progressive may permit one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Payment Method – By making one initial payment rather than paying monthly you may reduce your total bill.
  • Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates on Accord Crosstour insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies allow discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • ABS Braking Discount – Cars that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.

Don’t be shocked that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

A list of auto insurance companies and a partial list of their discounts can be read below.

  • State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, accident-free, multiple autos, and passive restraint.
  • Progressive discounts include multi-policy, multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and online signing.
  • Progressive may have discounts that include continuous coverage, online signing, multi-policy, online quote discount, good student, and homeowner.
  • MetLife may offer discounts for claim-free, multi-policy, accident-free, good driver, and good student.
  • Farm Bureau has discounts for safe driver, driver training, renewal discount, multi-vehicle, and good student.
  • GEICO includes discounts for good student, multi-policy, anti-lock brakes, defensive driver, and daytime running lights.
  • SAFECO offers discounts for safe driver, teen safe driver, drive less, anti-theft, accident prevention training, homeowner, and multi-car.

If you need lower rates, check with all the companies to give you their best rates. Discounts may not apply to policyholders in every state. If you would like to see a list of insurers with the best discounts, click this link.

How to compare free insurance coverage rate quotes

Most of the larger companies such as Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes on their websites. Comparing rates online is quite easy because you just enter your personal and coverage information into the form. After the form is submitted, the quote system automatically orders credit information and your driving record and returns a price. Online price estimates makes it simple to compare prices but having to visit a lot of sites and type in the same data can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to get the lowest possible prices on insurance coverage.

Quote rates the easy way

A more efficient way to find lower prices is to use a quote form that gets prices from many companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more efficient. Immediately after you send the form, it is quoted and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy deductibles and limits as shown on your current policy. Doing this guarantees you will have a fair comparison using the same coverage and limits.

How you can control Honda Accord Crosstour insurance premiums

Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent like where you live and annual miles driven.

  • Annual mileage and car insurance prices – The more miles you rack up on your Honda each year the more you’ll pay to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than those used for commuting. Verify your car insurance coverage correctly shows the correct usage for each vehicle. Having an incorrect usage rating on your Accord Crosstour is throwing money out the window.
  • can affect rates – Owning a car with an alarm system can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Gender is a factor – The statistics show that females tend to be a little less risky than males. It does not mean females are better at driving than males. Both genders are responsible for accidents in similar numbers, but guys cause more damage. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Young males cause the most accidents so it costs more to insure them.
  • Safer cars cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies which can result in lower premiums.
  • Your address can modify price – Being located in small towns and rural areas has it’s advantages if you are looking for the lowest rates. People in densly populated areas have more auto accidents and a longer drive to work. Fewer drivers corresponds to lower accident rates.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Who is covered by my policy?
  • What is an SR-22 filing?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving a rental car?
  • Will my insurance pay for OEM parts?
  • Should I have combined single limit or split liability limits?
  • What vehicles should carry emergency assistance coverage?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Can you really save if you switch?

Companies like Progressive, GEICO, Allstate and State Farm consistently run television, radio, and online ads. All the companies make the same claim that you’ll save big if you get a free auto insurance quote and switch your coverage. How does every insurance coverage company charge you less for car insurance? This is the way they can do it.

Many companies have specific guidelines for the type of driver that will not have excessive claims. A good example of a profitable insured could possibly be over the age of 45, carries high limits, and drives less than 7,500 miles a year. A driver that meets those criteria receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

People who don’t measure up to the “perfect” profile must pay a higher premium with the end result being business going elsewhere. The ads state “people who switch” not “everyone who quotes” save that much money. This is how companies can make those claims. This illustrates why it is so important to get auto insurance quotes from several different companies. Because you cannot predict which insurance companies will provide you with the cheapest car insurance rates.

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage, a tree branch falling on your vehicle and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance – This will cover damage that occurs to other’s property or people. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, medical expenses and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision – Collision coverage will pay to fix damage to your Accord Crosstour resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, prosthetic devices, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Spend less. Save more.

In this article, we covered some good ideas how to get a better price on 2011 Honda Accord Crosstour insurance. It’s most important to understand that the more times you quote, the better likelihood of getting cheap auto insurance. Drivers may discover the lowest car insurance rates come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Cost effective 2011 Honda Accord Crosstour insurance is available both online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not have price quotes online and usually these small, regional companies only sell coverage through independent insurance agents.

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