Cheap 2012 Honda Crosstour Insurance Quotes

Want the cheapest car insurance rates for your Honda Crosstour? Finding lower rates for car insurance can seem to be challenging for beginners to comparing rates online. There are so many choices that it can quickly become a big hassle to find the best price.

Comprehensive Insurance Coverage Comparison

The are a couple different ways of comparing rate quotes and find the best price. The easiest way to compare 2012 Honda Crosstour insurance prices consists of shopping online. This can be done in several different ways.

  • The most efficient way to get quotes is to use a rate comparison form click to view form in new window. This method saves time by eliminating repetitive form submissions to each individual insurance coverage company. One simple form will return quotes from all major companies. It’s the fastest way to compare.
  • A harder way to compare rate quotes is to take the time to go to each individual company website to complete their respective quote request forms. For example, we’ll assume you want rates from State Farm, Safeco and GEICO. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  • The hardest method to get comparison rates is to spend time driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. Drivers can compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you which method you use, but make sure you use exactly the same coverage limits and deductibles on every quote you get. If you enter different deductibles it’s not possible to make a fair comparison for your Honda Crosstour. Just a small difference in coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices gives you a better chance of getting the best offered rates.

Why you might be paying too much to insure your Honda Crosstour

It’s important that you understand some of the elements that come into play when calculating car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to better car insurance rates.

The list below includes some of the factors car insurance companies consider when setting prices.

  • Marriage pays dividends – Being married helps lower the price when buying car insurance. It means you’re more responsible and statistics show being married results in fewer claims.
  • Rates may be higher depending on your occupation – Did you know your car insurance rates can be affected by your occupation? Careers like lawyers, architects and accountants have higher rates than average due to high stress and lengthy work days. On the flip side, occupations like scientists, athletes and performers get better rates on Crosstour coverage.
  • Increase deductibles and save – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The more money the insured has to pay upfront, the bigger discount you will receive on Crosstour coverage.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if ever you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Bundling policies can get discounts – The majority of car insurance companies provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Lower rates come with age – Youthful drivers are statistically proven to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.

Verify you’re getting all your discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. Some discounts apply automatically when you get a quote, but less common discounts must be asked for before they will apply.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Crosstour coverage depending on your company.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because owning a home requires personal responsibility.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when buying insurance on Crosstour coverage.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

Insurance companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available everywhere.

When should I talk to an agent?

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Am I getting all the discounts available?
  • How does medical payments coverage work?
  • If I drive on a suspended license am I covered?
  • Should I have combined single limit or split liability limits?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages 101

Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Auto liability

Liability insurance will cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, attorney fees, legal defense fees, emergency aid and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, falling objects and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

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

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, ambulance fees, doctor visits, chiropractic care and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

Discount 2012 Honda Crosstour insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented many ideas to reduce insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with the smaller companies.

Consumers change insurance companies for many reasons like delays in responding to claim requests, delays in paying claims, high prices and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

More detailed car insurance information can be found in the articles below: