2010 Honda Accord Crosstour Insurance Quotes – 9 Policy Discounts

Looking for better insurance coverage rates for your Honda Accord Crosstour? Having to pay for pricey Honda Accord Crosstour insurance can dwindle your accounts and put a big crunch on your finances.

Vehicle owners have many car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to find the best rates.

Finding the cheapest protection can be fairly easy. Essentially every driver who is shopping for car insurance should be able to save money. But consumers need to have an understanding of the way companies market on the web.

Auto insurance companies offer money-saving discounts

Car insurance companies don’t always advertise the complete list of policy discounts very clearly, so we researched both well-publicized and the harder-to-find credits that you can use to lower your rates.

• Distant Student Discount – who are enrolled in higher education away from home and do not have a car could get you a discount.
• Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
• Federal Government Employee – Active or former government employment could cut as much as 10% off for Accord Crosstour insurance with some auto insurance companies.
• ABS Braking Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
• Discount for Home Ownership – Just being a homeowner can earn you a little savings because owning a home is proof that your finances are in order.
• Discount for Good Grades – Excelling in school may save you up to 25%. Earning this discount can benefit you up to age 25.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
• Online Discount – Some insurance companies will give you a small discount for buying your policy over the internet.
• No Accidents – Good drivers with no accidents pay much less in comparison with accident-prone drivers.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will bring down the amount you have to pay.

A list of auto insurance companies and their offered discounts are shown below.

• Farm Bureau policyholders can earn discounts including renewal discount, multi-vehicle, multi-policy, driver training, youthful driver, safe driver, and good student.
• State Farm offers premium reductions for multiple autos, passive restraint, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and good driver.
• Progressive offers discounts for homeowner, continuous coverage, online signing, good student, multi-vehicle, multi-policy, and online quote discount.
• Allstate has savings for EZ pay plan discount, good payer, multi-policy, utility vehicle, teenSMART discount, and eSmart discount.
• Nationwide has discounts for anti-theft, family plan, multi-policy, business or organization, Farm Bureau membership, good student, and defensive driving.
• MetLife discounts include claim-free, multi-policy, defensive driver, good driver, and good student.

Check with each insurance company which discounts can lower your rates. Savings might not apply in your area. To locate providers with discount rates, click here to view.

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Compare insurance price quotes

To find inexpensive insurance quotes, there are several ways to obtain and compare prices from local insurance companies. By far the easiest way to compare Honda Accord Crosstour insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

1. The first (and easiest) way to get quotes for comparison is a comparison rater form click to view form in new window. This form eliminates the need for separate forms for each company you want a rate for. One simple form gets prices estimates from multiple companies.
2. A more time consuming way to obtain and compare quotes online consists of going to the website of each company and get a separate price quote. For example, we’ll pretend you want to compare prices for Liberty Mutual, Progressive and Travelers. To get each rate you have to go to each individual site and enter your policy data, which can get old fast. For a list of companies in your area, click here.

Whichever method you choose, double check that you are using equivalent coverage limits for every quote you compare. If you enter higher or lower deductibles you will not be able to truly determine the lowest rate. Slightly different limits could skew the results. Just remember that comparing a large number of companies helps increase your odds of locating a lower rate than you’re paying now. Not every company does quotes online, so you need to compare rates from the smaller companies as well.

Do I just need basic coverages?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions can help discover if your situation would benefit from an agent’s advice.

• Will filing a claim cost me more?
• Does having multiple vehicles earn me a discount?
• Are my friends covered when driving my car?
• Should I get collision insurance on every vehicle?
• Can I rent a car in Mexico?
• What is no-fault insurance?
• Am I covered when using my vehicle for business?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Learn about auto insurance coverages for a 2010 Honda Accord Crosstour

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for hospital visits, EMT expenses and dental work. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Accord Crosstour.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hitting a bird and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance will pay to fix damage to your Accord Crosstour resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, legal defense fees, funeral expenses and medical expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

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Knowledge is power

In this article, we presented many tips how you can lower your 2010 Honda Accord Crosstour insurance prices. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the lowest prices come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

For more information, feel free to browse the articles below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance Rates for a Honda Accord in Virginia Beach? (VBInsure.com)
• How Much are Auto Insurance Rates for a Honda Accord in Bakersfield? (BakersfieldInsure.com)
• Teen Driver Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Rollover Crash FAQ (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)

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