2015 Honda Crosstour Insurance Quotes in 2024 – 8 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 23, 2024

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Searching for better insurance rates for your Honda Crosstour? Locating better insurance prices for a Honda Crosstour can normally be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are more efficient ways to buy insurance so you’re going to learn the proper way to get price quotes for your Honda and get the best price possible from both online companies and local agents.

It’s a good habit to get comparison quotes at least once a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest premium rates for Crosstour coverage a year ago there is a good chance you can find better prices now. There are lots of tips to save on insurance online, but in a few minutes you can learn some great ideas on how to reduce your insurance bill.

Buying more affordable auto insurance coverage is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. Drivers only need an understanding of the most effective way to find the lowest price over the internet.

Verify you’re applying every discount

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Defensive Driver Discounts – Taking a course teaching safe driver skills is a good idea and can lower rates and make you a better driver.
  • Memberships – Belonging to a civic or occupational organization could trigger savings on your policy.
  • Sign Online – Many insurance companies will provide an incentive for signing up on your computer.
  • Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home requires a higher level of personal finance.
  • Telematics Discount – Policyholders that allow companies to study driving manner by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if their driving habits are good.

Just know that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free auto insurance policy, companies don’t profit that way.

A list of companies and some of their more popular discounts are:

  • Progressive includes discounts for online signing, multi-policy, multi-vehicle, good student, and homeowner.
  • Farmers Insurance has savings for business and professional, switch companies, youthful driver, homeowner, and alternative fuel.
  • Farm Bureau may have discounts that include multi-policy, youthful driver, driver training, renewal discount, safe driver, multi-vehicle, and 55 and retired.
  • State Farm has discounts for driver’s education, multiple policy, student away at school, accident-free, and good student.
  • GEICO may offer discounts for federal employee, anti-lock brakes, air bags, daytime running lights, good student, anti-theft, and membership and employees.
  • SAFECO offers premium reductions for teen safety rewards, teen safe driver, multi-car, anti-lock brakes, and drive less.
  • Liberty Mutual discounts include new move discount, newly married, multi-car, safety features, exclusive group savings, and teen driver discount.

When quoting, ask all the companies which discounts you may be entitled to. Some discounts listed above may not be available in your area. To see a list of insurance companies with discount rates, enter your zip code here.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen drive my company car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage options for a Honda Crosstour

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, prosthetic devices, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

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

Collision coverage protects against claims like hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Honda Crosstour.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage can cover damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, funeral expenses, bail bonds and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Feed the piggy bank

There are still a few companies who do not offer rates over the internet and most of the time these smaller providers only sell coverage through independent agents. Budget-friendly insurance coverage is definitely available on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from.

We just presented a lot of information how to reduce 2015 Honda Crosstour insurance car insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best price on insurance coverage is with a smaller regional carrier.

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, delays in responding to claim requests, denial of a claim and even high rates after DUI convictions. No matter why you want to switch, switching companies is not as difficult as it may seem.

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