Cheaper 2013 Honda Crosstour Car Insurance Rates

Want lower car insurance rates for your Honda Crosstour? Overwhelmed by the crazy number of car insurance options? You’re not alone. There are so many choices that it can quickly become a big hassle to compare prices.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Pricing the cheapest protection is simple if you know the tricks. But car owners should learn how insurance companies sell online.

Impacting insurance rates for a Honda Crosstour

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Poor credit can mean higher rates – A driver’s credit rating is a big factor in determining what you pay for auto insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit history can use some improvement, you could save money insuring your 2013 Honda Crosstour by improving your credit score.
  • Big city or small town – Choosing to live in less populated areas has it’s advantages when talking about auto insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Honda Crosstour earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Being married can save on auto insurance – Having a spouse can actually save you money on auto insurance. It usually means you are more responsible and statistics show married drivers get in fewer accidents.
  • Never go without insurance – Allowing your auto insurance policy to lapse is a guaranteed way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.
  • Car features impact rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Save with discounts on 2013 Honda Crosstour insurance

Companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on insurance.

  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Crosstour insurance than drivers with accident claims.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Resident Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Drive Less and Save – Keeping the miles down on your Honda could be rewarded with discounted rates on garaged vehicles.

It’s important to note that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts include:

Before buying, ask every prospective company how you can save money. Some discounts might not apply in your state.

The insurance bait and switch

Insurance providers like Geico, State Farm and Progressive regularly use television and radio advertisements. They all make an identical promise of big savings if you move to them. How do they all make almost identical claims? This is how they do it.

All companies have a preferred profile for the right customer that is profitable for them. An example of a desirable insured might be between the ages of 40 and 55, is a homeowner, and has a high credit rating. Any driver who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently state the savings. This emphasizes why you should compare as many rates as you can. You cannot predict which insurance company will fit your personal profile best.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is high-risk coverage and where do I buy it?
  • How do I insure my teen driver?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverage details

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, dental work, funeral costs and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, vandalism and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, medical expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Crosstour.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage covers damage to your Crosstour from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, colliding with another moving vehicle, scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Have the Midas touch

Low-cost 2013 Honda Crosstour insurance can be purchased both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, not issuing a premium refund or high prices. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

When buying insurance coverage, you should never skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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