View 2014 Honda Crosstour Insurance Quotes

Want better insurance rates for your Honda Crosstour? Finding affordable insurance over the internet can seem to be rather challenging for consumers new to online price comaprisons. With dozens of insurers available, how can consumers even start to compare them all to find the lowest price available?

If you currently have car insurance, you should be able to cut costs considerably using these methods. The purpose of this post is to help you learn the best way to quote coverages and some tricks to saving. Although car owners need to learn the way insurance companies sell online and apply this information to your search.

How to Get Cheap Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes from local insurance coverage companies. The easiest way by far to compare 2014 Honda Crosstour insurance prices involves getting comparison quotes online. This can be done in a couple of different ways.

  • One of the simplest ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do a different quote for each company you want a rate for. One form will get you price quotes instantly. It’s the fastest way to compare.
  • A different way to analyze rates requires visiting the website for each individual company and request a quote. For instance, we’ll assume you want to compare rates from Geico, State Farm and Allstate. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, make sure you use exactly the same coverage limits and deductibles with each company. If you are comparing different liability limits you can’t possibly make a fair comparison for your Honda Crosstour. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes helps locate lower pricing.

Ads can be misleading

Car insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. They all make the same claim that you can save if you switch to their company. How does each company make the same claim?

Insurance companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has excellent credit. A customer that hits that “sweet spot” will get the preferred rates and therefore will save when switching.

Drivers who do not match these standards must pay higher prices which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can state the savings. This illustrates why it’s extremely important to compare many company’s rates. It’s just too difficult to predict the company that will provide you with the cheapest Honda Crosstour insurance rates.

Factors that might impact rates for a Honda Crosstour

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in lower auto insurance prices.

Shown below are a partial list of the pieces that factor into premiums.

  • How credit affects auto insurance rates – Having a bad credit rating is a big factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than drivers with lower credit scores. If your credit rating can use some improvement, you could potentially save money when insuring your 2014 Honda Crosstour by spending a little time repairing your credit.
  • You might want pay the small claims yourself – Companies generally give cheaper rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Low deductibles can be expensive – Deductibles for physical damage define the amount you are willing to pay if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more expense you’re willing to pay, the bigger discount you will receive on Crosstour coverage.
  • Older drivers pay less – Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are statistically proven to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Liability coverage protects you – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages that you can get tricked into buying on your Crosstour policy. Things like rental car reimbursement, accidental death and membership fees are examples of these. They may seem good at first, but your needs may have changed so remove them from your policy.
  • Traffic citations inflate rates – Your driving record impacts your car insurance rates tremendously. Even a single ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

Don’t miss out on these money-saving discounts

Car insurance companies do not advertise every discount very clearly, so we break down some of the more common and the more hidden ways to save on car insurance.

  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Accident Free – Claim-free drivers pay less compared to drivers who are more careless.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
  • Sign Online – Some insurance companies give back up to $50 simply for signing over the internet.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurers offering car insurance discounts, click here.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Should I buy full coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is extra glass coverage worth it?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I insure my teen driver?
  • Do I need higher collision deductibles?
  • Does my personal policy cover me when driving out-of-state?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, damaging your car on a curb, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, hospital visits and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage can cover damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical expenses, funeral expenses, attorney fees, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Don’t break the bank

Budget-conscious 2014 Honda Crosstour insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

You just learned quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from a small mutual company.

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter what your reason, switching insurance coverage companies can be easy and end up saving you some money.

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