Lower Your 2014 Honda Accord Crosstour Insurance Quotes in 2024

Searching for the cheapest insurance rates for your Honda Accord Crosstour? Are you irritated from robbing Peter to pay Paul to insure your Honda every month? You are no different than the majority of other vehicle owners. Due to the abundance of insurance companies to choose from, it’s nearly impossible to find the lowest cost insurance company.

It’s a good idea to do rate comparisons before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Accord Crosstour coverage a year ago you can probably find a lower rate today. There are a lot of ways to save on insurance online, but you can learn some of the best techniques to lower your insurance premiums.

Locating the cheapest insurance coverage is quite easy. If you are insured now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Drivers only need an understanding of the tricks to buy insurance on the web.

How do insurers determine Honda Accord Crosstour insurance rates?

The best way to find cheaper insurance is to take a look at the different types of things that come into play when calculating insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that may result in lower insurance prices.

The factors shown below are some of the most rate-impacting factors insurance companies consider when setting your prices.

• Excellent credit equals lower rates – Credit history is a large factor in determining your rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2014 Honda Accord Crosstour by spending a little time repairing your credit. Drivers who have very good credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
• Experienced drivers pay less – More mature drivers are shown to be more cautious, cause fewer claims and accidents , and usually have better credit. Teenage drivers have a tendency to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.
• Prevent theft and save money – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft and help lower rates.
• Rates increase with driving citations – Good drivers have lower premiums compared to drivers with tickets. Having a single moving violation can bump up the cost by as much as twenty percent. Drivers who have received dangerous violations like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Safety first – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less passed on to you as lower rates.
• Higher comp and collision deductibles reduce prices – Comprehensive and collision coverage deductibles define how much you are willing to pay if a covered claim is submitted. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some coverage claims would be colliding with a stationary object, hail damage, and having a roll-over accident. The more the insured has to pay upfront, the less your insurance will be on Accord Crosstour coverage.

These discounts can reduce insurance coverage rates

The price of auto insurance can be rather high, but you might be missing out on some discounts that may help make it more affordable. Most are applied when you quote, but some may not be applied and must be specially asked for prior to getting the savings.

• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and will save you 10% or more.
• Multi-policy Discount – If you can combine your auto and homeowners policy with one insurance company you could earn a discount of as much as 10 to 15 percent.
• Telematics Data Discounts – Insureds who allow driving data submission to monitor driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
• Cautious Driver Discounts – Insureds without accidents may save up to 50% more on Accord Crosstour coverage compared to accident prone drivers.
• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
• Distant Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will positively reduce your overall bill.

To choose providers with the best insurance coverage discounts, enter your zip code here.

When do I need an agent’s advice?

When buying the best car insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs might need professional guidance.

• What is medical payments coverage?
• Is my 2014 Honda Accord Crosstour covered for flood damage?
• Am I getting all the discounts available?
• How can I get high-risk coverage after a DUI?
• Should I buy additional glass protection?
• When should I not file a claim?
• Do I need replacement cost coverage on my 2014 Honda Accord Crosstour?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive auto coverage – This pays for 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 pays for things like a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for EMT expenses, X-ray expenses, rehabilitation expenses, doctor visits and ambulance fees. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, crashing into a ditch, hitting a parking meter, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Accord Crosstour.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Smart consumers save more

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Budget-conscious 2014 Honda Accord Crosstour insurance can be found on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer price quotes online and these regional insurance providers work with independent agencies.