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2013 Honda Crosstour Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 6, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Overpriced Honda Crosstour insurance can dwindle your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to slash your bill and have more diposable income.

Because you have many options, it’s nearly impossible to pick the lowest price company.

You should make it a habit to compare rates periodically because rates change quite often. Despite the fact that you may have had the best deal for Crosstour coverage last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn the right way to save on car insurance.

Finding affordable coverage is quite easy. Basically, anyone who carries insurance will more than likely be able to lower their premiums. But car owners need to learn the way companies price online insurance.

Free Quotes for Car Insurance

All the larger car insurance companies such as Progressive, Allstate and GEICO provide insurance quotes directly from their websites. Getting online rates is quite easy as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, their system will obtain information on your driving record and credit history and gives you a price quote. Online quotes streamlines rate comparisons, but the work required to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find better car insurance pricing.

There is a better way to compare rates

An easier way to compare rates makes use of a single form to obtain quotes from more than one company. This type of form saves time, reduces the work, and makes quoting online a lot less work. Once the form is submitted, it is quoted and you can select any one of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. It takes just a few minutes to complete and could lower your rates considerably.

To save time and fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for the exact same coverage.

Save with discounts on 2013 Honda Crosstour insurance

Auto insurance companies don’t always advertise every discount very clearly, so we break down both well-publicized and the more hidden ways to save on car insurance.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Crosstour coverage with a few car insurance companies.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
  • No Claims – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums for Crosstour coverage.
  • Clubs and Organizations – Belonging to certain professional organizations could qualify you for a break on your policy for Crosstour coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Crosstour coverage than drivers with accidents.

A little note about advertised discounts, most discount credits are not given the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

To see a list of insurance companies with discount car insurance rates, click here to view.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine if your situation might need professional guidance.

  • Am I better off with higher deductibles on my 2013 Honda Crosstour?
  • Am I covered if I hit a deer?
  • Is my Honda Crosstour covered if I use it for business?
  • Do I need higher collision deductibles?
  • Which companies will insure high-risk drivers?
  • How many claims can I have before being canceled?
  • Why am I required to get a high-risk car insurance policy?
  • Who is covered by my policy?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Auto liability – This coverage protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things like medical expenses, emergency aid and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2013 Honda Crosstour.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed, theft, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision insurance pays for damage to your Crosstour resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills such as nursing services, dental work, pain medications, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

The cheapest 2013 Honda Crosstour insurance can be found from both online companies and with local insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, you should never buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the best price while not skimping on critical coverages.

We covered a lot of ways to get a better price on insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small local company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional car insurance information can be found below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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