2014 Honda Crosstour Insurance Cost

Trying to come up with a payment for overpriced insurance coverage can draw down your personal savings and require stricter spending habits. Performing a rate comparison is a smart way to slash your bill and have more diposable income.

Companies like GEICO, Progressive and Allstate persitently shower you with advertising and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

Save a ton by taking advantage of discounts

Some insurers do not advertise their entire list of discounts in an easy-to-find place, so we break down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

Senior Citizen Rates – Drivers over the age of 55 could receive better insurance rates on Crosstour coverage.
No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as opposed to bad drivers.
Smart Student Discounts – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
Low Mileage Discounts – Maintaining low annual mileage could earn better prices on cars that stay parked.
Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance because it demonstrates responsibility.
Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts could save 15% off the medical payments premium.

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down the premium cost.

A list of companies and some of the discounts can be found below.

State Farm may have discounts that include safe vehicle, multiple autos, driver’s education, anti-theft, student away at school, and multiple policy.
GEICO offers premium reductions for anti-theft, air bags, seat belt use, driver training, five-year accident-free, and good student.
Progressive offers discounts for multi-vehicle, continuous coverage, good student, homeowner, online quote discount, online signing, and multi-policy.
21st Century may offer discounts for theft prevention, good student, homeowners, teen driver, air bags, anti-lock brakes, and student driver.
American Family policyholders can earn discounts including accident-free, bundled insurance, early bird, multi-vehicle, and good student.
The Hartford has discounts for driver training, bundle, air bag, vehicle fuel type, good student, and anti-theft.
AAA has savings for good driver, multi-car, multi-policy, good student, AAA membership discount, and pay-in-full.

If you want affordable auto insurance quotes, ask every insurance company which credits you are entitled to. Some discounts might not apply in your area. If you would like to view insurers with the best discounts, follow this link.

Finding auto insurance

To find the best auto insurance quotes, there are several ways to get quotes from many auto insurance companies in your state. The easiest way to comparison shop is to perform an online rate comparison. This can be accomplished in several different ways.

The best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This form eliminates the need for boring form submissions for each company. Filling out one form gets prices estimates from multiple low-cost companies.
A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you are doing a rate comparison from Auto-Owners, Liberty Mutual and GMAC. To get each rate you have to visit each site and repeatedly type in your coverage information, which is why the first method is more popular. For a list of companies in your area, click here.
The most time-consuming way to get comparison rates is driving around to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you’re the type of person who wants the peace of mind of a local agent. Although you can get the lowest quotes online but buy from a local insurance agent.

However you get your quotes, ensure you’re using nearly identical information for each comparison quote. If you are comparing different limits and deductibles on each one it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages or limits could mean much higher rates. Keep in mind that comparing a large number of companies will increase your chances of finding a lower rate than you’re paying now.

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How much car insurance do I need?

When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

Why does it cost so much to insure a teen driver?
What happens if I owe more than my 2014 Honda Crosstour is worth?
Does my 2014 Honda Crosstour qualify for pleasure use?
How much can I save by bundling my policies?
How much liability coverage do I need in my state?
How much underlying liability do I need for an umbrella policy?
Will my vehicle be repaired with OEM or aftermarket parts?
Is my teen driver covered when they drive my company car?
Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage basics

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Honda Crosstour.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive protection

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, nursing services, prosthetic devices, EMT expenses and surgery. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, attorney fees, pain and suffering, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Crosstour resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Smart consumers save more

When getting auto insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best cost.

More affordable car insurance is available both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide internet price quotes and many times these small, regional companies prefer to sell through independent agents.

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