How Much Does 2010 Honda Accord Crosstour Car Insurance Cost?

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many choices, it is very difficult to find the most affordable car insurance company.

It’s smart to take a look at other company’s rates occasionally since rates are rarely the same from one policy term to another. Just because you found the lowest rates for Accord Crosstour coverage two years ago you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the internet, so with this article, you’re going to get some good information on how to find affordable auto insurance.

Finding affordable insurance coverage is simple if you know the tricks. If you have insurance now or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Consumers just need to know the most effective way to compare rates over the internet.

Insurance Prices

Most major insurance companies provide price estimates directly from their websites. The process doesn’t take a lot of time as you simply enter the coverage amounts you desire into the quote form. Behind the scenes, their rating system obtains credit information and your driving record and gives you a price quote based on these and other factors. This helps simplify price comparisons, but having to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a lower rate.

Isn’t there an easier way to compare rates?

The easiest way to get multiple rate quotes makes use of a single form that analyzes rates from many companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After sending the form, it gets priced and you can select any or none of the quotes that you receive.

If you find a better price you simply finish the application and purchase the new policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and compare rates now, click here and submit the form. To compare your current rates, we recommend you copy the insurance coverages identical to your current policy. This helps ensure you will receive rate comparison quotes for exact coverage.

Save $408 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and Geico. They all seem to say the same thing that you can save if you switch to their company.

How do they all make almost identical claims?

All the different companies have a certain “appetite” for the type of driver that makes them money. An example of a preferred risk could be a mature driver, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential customers who don’t meet this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can advertise the savings.

This illustrates why you need to get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest Honda Accord Crosstour insurance rates.

Parts of the Honda Accord Crosstour rate equation

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Poor credit can mean higher rates – Your credit score is a large factor in determining your rates. Therefore, if your credit is lower than you’d like, you could be paying less to insure your 2010 Honda Accord Crosstour by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a fast way to pay more for insurance. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • More claims means more premium – If you file claims often, you can expect either policy cancellation or increased premiums. Companies give discounts to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Equipment add-ons that lower insurance rates – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Accident Waiver – A few companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Resident Student – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Drive Less and Save – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • E-sign – Some insurance companies give back up to $50 for buying your policy online.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

Companies that may offer some of the above discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not apply in your state.

Situations that might require an agent

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is a fancy paint job covered?
  • I have a DUI can I still get coverage?
  • Will my insurance pay for OEM parts?
  • Do I need roadside assistance coverage?
  • Do I need an umbrella policy?
  • Do all my vehicles need collision coverage?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, funeral costs and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability coverage

This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, funeral expenses and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

One last thing about your coverage

Affordable 2010 Honda Accord Crosstour insurance is available both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

We just showed you a lot of ways to get a better price on insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Additional detailed information can be found in the articles below: