2013 Honda Crosstour Car Insurance Rates – 10 Tricks for Best Quotes

Want cheaper insurance rates for your Honda Crosstour? I really doubt anyone enjoys paying for insurance, especially when they are aware that they are paying too much.

People have multiple insurers to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to compare company pricing.

It is always a good idea to check insurance prices yearly because insurance prices fluctuate regularly. If you had the best deal on Crosstour insurance two years ago other companies may now be cheaper. There is a lot of bad information regarding insurance online but by reading this article, you’re going to learn some good information on how to lower your insurance rates.

This information will help educate you on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will be able to save some money using these techniques. Nevertheless, consumers benefit from understanding how the larger insurance companies price online insurance because it can help you find the best coverage.

Compare car insurance rate quotes online

Most major insurance companies make it easy to get coverage price quotes on their websites. Getting prices online can be done by anyone as you simply type in the coverage amounts you desire as detailed in the form. Once you submit the form, their quoting system automatically orders information on your driving record and credit history and generates pricing information based on the data you entered. Being able to quote online makes it easy to compare insurance prices but the process of having to visit different websites and type in your information is not the best way to spend an afternoon. But it’s necessary to perform this step if you are searching for a lower rate.

A quicker way to locate the lowest prices requires only one form to return rates from several different companies. It saves time, eliminates form submissions, and makes comparison shopping much easier to do. After your information is entered, it is rated and you can select any or none of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and may result in a nice savings.

To save time and find out how much you can save on car insurance, click here and complete the simple form. If you have a policy now, it’s recommended you complete the form with the coverage information identical to your current policy. This way, you will have a price comparison using the same coverage and limits.

Get lower-cost auto insurance with discounts

Not too many consumers would say auto insurance is affordable, but you may qualify for discounts that you may not even know about. Many discounts should be triggered when you purchase, but lesser-known reductions have to be specifically requested prior to getting the savings.

  • Drive Less and Save – Maintaining low annual mileage could earn slightly better prices than normal.
  • Air Bags and Passive Restraints – Cars that have air bags could see savings of up to 25% or more.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Include Life Insurance and Save – Auto insurance companies who offer life insurance give a break if you buy life insurance.
  • Claim-Free Discount – Drivers who stay claim-free can save substantially as compared to frequent claim filers.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can get reduced rates on Crosstour insurance.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Homeowners Discount – Owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Telematics Data – Insureds that choose to allow driving data collection to spy on driving manner by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Student Discount for Driver Training – Have your child complete a driver education course in high school.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it’s just not the way it works.

The best auto insurance companies and some of the discounts can be read below.

  • Farmers Insurance offers discounts for mature driver, teen driver, alternative fuel, switch companies, homeowner, good student, and distant student.
  • Esurance has discounts for anti-lock brakes, online shopper, Switch & Save, paid-in-full, and Pac-12 alumni.
  • State Farm may offer discounts for student away at school, Steer Clear safe driver discount, multiple autos, good student, passive restraint, and defensive driving training.
  • GEICO may have discounts that include federal employee, air bags, seat belt use, driver training, and membership and employees.
  • Allstate has savings for passive restraint, defensive driver, 55 and retired, good payer, teenSMART discount, eSmart discount, and EZ pay plan discount.

If you are trying to find low cost car insurance quotes, ask every insurance company to apply every possible discount. All car insurance discounts might not be offered in your area. To choose insurers with the best discounts, click here.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I sign the liability waiver when renting a car?
  • How much liability do I need to cover my assets?
  • What can I do if my company denied a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverages

This coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as emergency aid, legal defense fees, attorney fees, funeral expenses and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for nursing services, prosthetic devices, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Crosstour from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Crosstour.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing

Throughout this article, we presented a lot of techniques to get a better price on 2013 Honda Crosstour insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap car insurance. You may even discover the lowest priced car insurance comes from the smaller companies. They often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

Low-cost 2013 Honda Crosstour insurance is available online and from local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies may not provide online quoting and many times these smaller companies work with independent insurance agents.

Additional detailed information can be found in these articles: