How Much Does 2014 Honda Crosstour Insurance Cost?

Trying to find cheaper car insurance rates for your Honda Crosstour? I can’t think of anyone who likes buying car insurance, especially when they are paying too much.

You have multiple car insurance companies to insure vehicles with, and although it’s nice to have a selection, so many choices can make it hard to find the best rates for your vehicles.

Cheaper rates by receiving discounts

Companies don’t always advertise every possible discount very well, so we took the time to find a few of the more common as well as the least known discounts that may be available.

• Waiver for an Accident – but a few companies such as Geico and Liberty Mutual allow you one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
• Telematics Data Discounts – Insureds who allow their insurance coverage company to study driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better insurance coveragerates if you take out life insurance from them.
• Paper-free Discount – A handful of companies provide a small discount for buying your policy on their website.
• Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
• Passive Restraints and Air Bags – Factory options such as air bags could see savings of 20 to 30 percent.
• No Claims – Insureds who avoid accidents and claims pay much less compared to bad drivers.
• Military Rewards – Being on active deployment in the military could mean lower rates.
• Distant Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
• Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction on Crosstour coverage with select insurance companies.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

A list of insurance coverage companies and a partial list of their discounts can be read below.

• Mercury Insurance offers discounts including anti-theft, professional/association, annual mileage, good student, age of vehicle, and accident-free.
• Farmers Insurance has savings for mature driver, bundle discounts, distant student, early shopping, and switch companies.
• Farm Bureau has discounts for youthful driver, 55 and retired, renewal discount, multi-vehicle, multi-policy, and safe driver.
• State Farm policyholders can earn discounts including Drive Safe & Save, student away at school, passive restraint, good student, good driver, defensive driving training, and anti-theft.
• Allstate may include discounts for farm vehicle, utility vehicle, good student, multi-policy, and early signing.
• Geico includes discounts for five-year accident-free, military active duty, driver training, daytime running lights, federal employee, and membership and employees.

Check with each company or agent which discounts you may be entitled to. Savings may not be available in your area. To see a list of insurance coverage companies who offer online insurance coverage quotes, click here.

The fastest way that we advise to compare rate quotes utilizes the fact almost all companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide details like level of coverage desired, if the vehicle is leased, if you’re married, and if you are currently licensed. Your rating data is then sent to multiple different insurance companies and they return rate quotes quickly.

Your insurance coverage coverage should be tailored to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out if your insurance needs might need professional guidance.

• Can my babysitter drive my car?
• If my pet gets injured in an accident are they covered?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Where can I get insurance after a DUI in my state?
• Who is covered by my policy?
• When do I need to add a new car to my policy?
• Why does it cost so much to insure a teen driver?
• Is my Honda Crosstour covered if I use it for business?
• Are split liability limits better than a combined single limit?
• What discounts do I qualify for?

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, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, rock chips in glass, falling objects and damage from flooding. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, hitting a parking meter, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2014 Honda Crosstour.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like nursing services, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

And the best car insurance company is…

You just learned a lot of tips how to shop for 2014 Honda Crosstour insurance online. The key concept to understand is the more you quote insurance, the better your chances of lowering your prices. You may even discover the best premium rates are with a small mutual company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Allstate, Geico and Progressive.

As you quote insurance, you should never buy poor coverage just to save money. In many cases, consumers will sacrifice liability coverage limits and learned later that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

To read more, link through to the articles below:

• Side Impact Crash Tests (iihs.org)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Keeping Children Safe in Crashes Video (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)