Are you drained from scraping nickels together to pay high car insurance rates every month? You are in the same boat as millions of other consumers. You have so many insurers to pick from, and although it’s nice to have a selection, lots of choices makes it harder to get the best deal.
Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other criteria are not quite as obvious such as your credit history or your commute time.
The items below are most of the major factors car insurance companies consider when setting your premiums.
Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.
Consumers should know that most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.
Companies and a selection of discounts are included below.
If you need low cost insurance quotes, ask each insurance company the best way to save money. Discounts might not be available to policyholders everywhere. For a list of insurance companies with the best insurance discounts, click here to view.
When it comes to choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you may require specific advice.
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.
Coverage for uninsured or underinsured drivers – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Crosstour.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Collision coverages – Collision coverage covers damage to your Crosstour caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.
Liability auto insurance – This will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against claims such as emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, hitting a bird and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
We’ve covered a lot of ways to lower your 2013 Honda Crosstour insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the most savings is with a lesser-known regional company. They can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or Geico.
Cheap 2013 Honda Crosstour insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer the ability to get quotes online and usually these regional insurance providers prefer to sell through independent agents.