2011 Honda Accord Crosstour Car Insurance Quotes – 7 Policy Discounts

Searching for lower car insurance rates? Consumers have lots of choices when looking for affordable Honda Accord Crosstour insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to compare rates on a Honda and locate the lowest price.

If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. This information will teach you how to effectively get price quotes and some tricks to saving. Vehicle owners just need to know the tricks to find the lowest price on the web.

How to compare free auto insurance price quotes

Most larger insurance companies make it easy to get price estimates on their websites. Obtaining pricing is pretty easy as you simply enter the coverage amounts you desire into the quote form. Behind the scenes, the system sends out for information on your driving record and credit history and quotes a price based on the information you submitted.

Being able to quote online makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to perform this step if you are searching for lower prices.

The preferred way to compare rates is to use a quote form that gets prices from multiple companies. This type of form saves time, requires less work, and makes quoting online a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy the coverage information exactly as they are listed on your policy. Doing this assures you will be getting a fair comparison using the exact same coverages.

Affordable insurance coverage rates with discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Some of these disounts will be visible at the time you complete a quote, but some discounts are required to be requested specifically in order for you to get them. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
  • Active Service Discounts – Having an actively deployed family member may lower your prices slightly.
  • Student Discounts – Getting good grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
  • Home Ownership Discount – Just owning your own home can get you a discount since home ownership shows financial diligence.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Accord Crosstour coverage with certain companies.
  • Driving Data Discount – Policyholders that allow their insurance company to study where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.

Don’t be shocked that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To see providers that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need rental car coverage?
  • Is my teen driver covered when they drive my company car?
  • Can I make deliveries for my home business?
  • What vehicles should carry emergency assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverage – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, vandalism and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Accord Crosstour.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, surgery, doctor visits, ambulance fees and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible