Lower Your 2011 Honda Accord Crosstour Car Insurance Rates

Paying for high-priced Honda Accord Crosstour insurance can drain your personal savings and force you to make sacrifices. Doing a price comparison is a smart way to help make ends meet. Big companies like GEICO, 21st Century and Progressive constantly blast consumers with catchy ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the best way to get comparison quotes online.

Take advantage of discounts

Companies do not advertise all their discounts very clearly, so we break down some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • No Accidents – Claim-free drivers pay much less as compared to bad drivers.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application over the internet.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums on Accord Crosstour insurance.
  • Drive Less and Save – Keeping the miles down on your Honda could qualify for discounted rates on garaged vehicles.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.

As a disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurers with discount auto insurance rates, click here to view.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine if you could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when using my vehicle for business?
  • What is medical payments coverage?
  • When should I drop full coverage on my 2011 Honda Accord Crosstour?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my custom paint covered by insurance?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Beware of misleading auto insurance ads

Drivers can’t get away from ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads make the same claim about savings after switching your coverage to them.

How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured might be over the age of 50, has no driving citations, and chooses high deductibles. Any driver who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t qualify for these standards must pay higher rates which usually ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That is how companies can state the savings. This illustrates why drivers should compare as many rates as you can. It is impossible to predict the company that will fit your personal profile best.

Insurance policy specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Accord Crosstour.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed, theft, rock chips in glass and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your Accord Crosstour caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage kick in for bills such as doctor visits, surgery and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverages – Liability coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, structural damage, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Have the Midas touch

When shopping online for insurance, you should never sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage and learned later that the savings was not a smart move. The aim is to buy enough coverage at the best price while still protecting your assets.

You just learned a lot of ways to shop for 2011 Honda Accord Crosstour insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest premiums are with the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as Progressive or GEICO.

Low-cost insurance can be bought on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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