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2014 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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Have you had enough of not being able to afford to insure your Honda every month? You’re in the same situation as most other car owners. Drivers have so many insurance companies to purchase coverage from, and although it’s nice to have a choice, having more car insurance companies makes it harder to find the best rates.

Auto Insurance Prices Online

Effectively comparing auto insurance prices can be challenging if you don’t understand the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace that enables customers to enter their policy data once, and each company then gives them pricing based on that data. This eliminates the need for quote forms to every company.

To find out how much you can save on auto insurance click here to open in new window.

The single downside to getting quotes like this is you cannot specify the companies you want pricing from. So if you prefer to choose from a list of companies for rate comparison, we put together a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing exactly the same quote information on every quote you get. If you are comparing differing limits it will be next to impossible to make an equal comparison.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Some trigger automatically when you get a quote, but lesser-known reductions have to be specially asked for before you will receive the discount. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda can earn a substantially lower rate.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% for Crosstour coverage.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save up to 20% off your total premium.

Drivers should understand that most credits do not apply the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies with the best car insurance discounts, click this link.

Situations that might require an agent

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Am I getting all the discounts available?
  • I don’t drive much so do I pay less?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a blown tire covered by insurance?
  • Am I covered when driving on a suspended license?
  • At what point should I drop full coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Free Auto Insurance Comparison

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

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Auto insurance coverages

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

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

Collision coverage pays for claims like sideswiping another vehicle, crashing into a building, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance – This can cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, attorney fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, funeral costs, EMT expenses and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hail damage, damage from getting keyed, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Honda Crosstour.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

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