2013 Honda Crosstour Car Insurance Quotes – 6 Tips for Cheapest Rates

Searching for better car insurance rates for your Honda Crosstour? Having to pay for overpriced car insurance can drain your bank account, especially in this economy. Comparison shopping is a great way to cut your insurance bill.

With consumers having so many choices, it can be diffult for consumers to locate the lowest cost car insurance company.

Consumers should take time to compare prices quite often because rates change regularly. Just because you had the lowest rates on Crosstour coverage two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

Shopping for the cheapest protection is easy if you know what you’re doing. Just about every driver who is shopping for insurance should be able to find better rates. But drivers benefit from understanding how insurance companies sell online because it can help you find the best coverage.

More discounts equal less premium

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but some must be manually applied before they will apply.

  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Crosstour coverage depending on your company.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • College Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, companies don’t profit that way. But all discounts will bring down the cost of coverage.

To see a list of insurers with discount insurance rates, follow this link.

It’s not one size fits all

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • When should my teen driver be added to my policy?
  • Is my cargo covered for damage or theft?
  • Do I have coverage if my license is suspended?
  • Can I afford to buy a different vehicle if my 2013 Honda Crosstour is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Where can I get insurance after a DUI in my state?
  • What exactly is covered by my policy?
  • Is my Honda Crosstour covered if I use it for business?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2013 Honda Crosstour

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, structural damage, repair costs for stationary objects, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, X-ray expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle, damage from flooding and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Honda Crosstour.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision 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 coverage protects against claims such as hitting a parking meter, crashing into a building, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Never pay more for less

The cheapest 2013 Honda Crosstour insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

For more information, link through to the articles below: