2013 Honda Crosstour Insurance Quotes

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.

What determines Honda Crosstour insurance premiums?

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.

  • Drive less and pay lower prices – The more you drive annually the more it will cost to insure it. The majority of insurers calculate prices based on their usage. Autos left parked in the garage receive lower rates than those used for commuting. Having the wrong rating on your Crosstour can result in significantly higher rates. Make sure your policy properly reflects annual mileage, because it can save money.
  • Do you have a demanding occupation? – Did you know your occupation can influence how much you pay for car insurance? Careers like military personnelair traffic controllers and dentists tend to have higher average rates due to intense work situations and long work days. Other careers such as actors, historians and the unemployed pay the least for Crosstour insurance.
  • Extra coverages are wasting money – Insurance companies have many extra add-on coverages that you can get tricked into buying on your car insurance policy. Insurance for coverage for rental cars, towing coverage, and term life insurance may be costing you every month. The coverages may be enticing when buying your policy, but now you might not need them so get rid of them and save.
  • Married drivers pay lower costs – Getting married may earn you lower rates on your car insurance policy. Marriage translates into being more mature than a single person and insurance companies like that married drivers get in fewer accidents.

Are you qualifying for every discount?

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.

  • Senior Citizen Discount – Mature drivers may be able to get better insurance rates for Crosstour insurance.
  • Full Payment Discount – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted rate on car insurance if you buy a life policy as well.
  • Discounts for Multiple Vehicles – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Crosstour insurance compared to rates paid by drivers with frequent claims.
  • Defensive Driver Discount – Passing a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your insurance quote.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Online Discount – A few larger online companies may give you up to $50 for buying your policy digitally online.

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.

  • State Farm may include discounts for good driver, safe vehicle, anti-theft, multiple autos, and good student.
  • Farmers Insurance may offer discounts for teen driver, youthful driver, switch companies, electronic funds transfer, distant student, early shopping, and good student.
  • Geico includes discounts for military active duty, federal employee, five-year accident-free, seat belt use, multi-policy, anti-theft, and daytime running lights.
  • American Family offers discounts for TimeAway discount, early bird, multi-vehicle, bundled insurance, defensive driver, and mySafetyValet.
  • Nationwide may have discounts that include good student, business or organization, multi-policy, defensive driving, anti-theft, and family plan.
  • Progressive discounts include continuous coverage, good student, online quote discount, multi-vehicle, homeowner, multi-policy, and online signing.

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 in doubt talk to an agent

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.

  • Will I lose any money if I cancel my policy before it expires?
  • When would I need additional glass coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will my rates increase for filing one claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I insure my teen driver?
  • Is there coverage for injuries to my pets?

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.

Auto insurance coverages

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

Shop Smart and Save

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.

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