Compare 2014 Honda Crosstour Insurance Quotes

Trying to find low-cost insurance for your Honda Crosstour could be an all-consuming task, but you can learn our car insurance buying tips to save time. There are both good and bad ways to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Honda and find the lowest possible price either online or from local insurance agents.

Consumers need to take a look at other company’s rates once or twice a year due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest price on Crosstour coverage two years ago you can probably find a better price now. There is a lot of bad advice regarding car insurance online but by reading this article, you’re going to learn some solid techniques on how to reduce your car insurance bill.

Free Auto Insurance Quotes

Effectively comparing auto insurance prices can be challenging if you don’t know the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Most major companies participate in a marketplace that enables customers to submit one quote, and each company then returns a price quote. This system prevents you from having to do quotation requests to each individual auto insurance company.

To find out how much you can save on auto insurance click here to open in new window.

One minor caviat to using this type of system is you cannot specify which companies to get quotes from. So if you prefer to pick specific providers to compare prices, we have assembled a list of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare exactly the same coverage limits and deductibles for every quote you compare. If the quotes have different deductibles then you won’t be able to determine which rate is truly the best.

More discounts equal less premium

Car insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • New Car Discount – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Crosstour coverage than drivers with accident claims.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Companies who might offer these money-saving discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your state.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Does coverage extend to my business vehicle?
  • Who is covered when they drive my 2014 Honda Crosstour?
  • Am I covered if I wreck a rental car?
  • Is my trailer covered?
  • Am I covered if I hit a deer?
  • What discounts do I qualify for?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, doctor visits, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

This coverage will pay to fix damage to your Crosstour resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane, hitting a deer, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

In the end, you save

Drivers leave their current company for a variety of reasons including high prices, unfair underwriting practices, an unsatisfactory settlement offer or denial of a claim. Regardless of your reason for switching companies, choosing a new company is easier than you think.

Cheaper 2014 Honda Crosstour insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

More tips and info about auto insurance is located at these sites: