Compare 2013 Honda Accord Crosstour Insurance Quotes in 2024

Want the cheapest car insurance rates for your Honda Accord Crosstour? Are you at wits end from scraping the payment together to buy car insurance? You are no different than the majority of other consumers. There is such a variety of car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more challenging to compare rates.

It’s a good habit to do price comparisons quite often because insurance rates change regularly. Just because you had the best rate for Accord Crosstour coverage a year ago there is a good chance you can find better prices now. There is a lot of bad information regarding car insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to slash your car insurance rates.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Drivers just need to learn the most effective way to compare price quotes over the internet.

Compare insurance coverage rates

Finding a lower price on 2013 Honda Accord Crosstour insurance is actually easier than you may think. All that’s required is to take time to get quotes online from several insurance companies. Comparing prices online can be done in a couple of different ways.

• The recommended way to get quotes is a comparison rater form. This easy form eliminates the need for a different quote for each price estimate. Filling out one form gets you coverage quotes direct from many companies.
• A more difficult way to get comparison quotes is going to each company’s website and fill out a new quote form. For sake of this example, we’ll pretend you want to compare prices for USAA, GEICO and State Farm. To get each rate you have to spend time on each company’s site and repeatedly enter your information, which is why the first method is more popular.
• The least efficient method to compare price quotes is driving around to and from local insurance agencies. Doing it all online makes this unnecessary unless you have a need for the extra assistance of a local agent. If you prefer, some companies allow you to compare online quotes and still use a local agent.

You can choose any of those ways to find more affordable coverage, but make sure you use equivalent quote data on every price quote you get. If you compare mixed coverages it’s impossible to determine which rate is truly the best.

Reduce your insurance rates with discounts

Insurance is not an enjoyable expense, but you can get discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time of quoting, but some discounts are required to be specially asked for before you get the savings.

• Own a Home and Save – Being a homeowner can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Active Service Discounts – Having a deployed family member could trigger a small discount.
• Defensive Driving Course – Taking part in a course in defensive driving could cut 5% off your bill and easily pay for the cost of the class.
• Distant Student – Kids who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote compared to bad drivers.
• Organization Discounts – Being in certain professional organizations is a good way to get lower rates when shopping for insurance.
• Senior Citizen Rates – Drivers over the age of 55 may receive a small discount on rates for Accord Crosstour coverage.
• Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.

Remember that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

A list of companies and some of the discounts include:

• State Farm may include discounts for student away at school, multiple policy, anti-theft, accident-free, safe vehicle, and multiple autos.
• GEICO may have discounts that include multi-vehicle, multi-policy, membership and employees, anti-lock brakes, air bags, good student, and emergency military deployment.
• Progressive offers premium reductions for continuous coverage, good student, multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
• 21st Century may offer discounts for teen driver, homeowners, automatic seat belts, theft prevention, and driver training.
• American Family policyholders can earn discounts including good student, early bird, good driver, Steer into Savings, mySafetyValet, and bundled insurance.
• The Hartford has savings for air bag, anti-theft, driver training, vehicle fuel type, and bundle.
• AAA includes discounts for multi-policy, multi-car, anti-theft, good driver, AAA membership discount, and pay-in-full.

If you need low cost car insurance quotes, ask each company what discounts are available to you. Some discounts might not be offered everywhere. To see a list of insurance companies who offer online insurance quotes, enter your zip code here.

You are unique and your insurance coverage should be too

When it comes to choosing the best insurance coverage coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if you might need professional guidance.

• Does my liability insurance cover pulling a trailer or camper?
• At what point should I drop full coverage?
• How can I force my company to pay a claim?
• Is business property covered if stolen from my car?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when pulling a rental trailer?
• What should my uninsured motorist coverage limits be in my state?
• Is extra glass coverage worth it?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, legal defense fees, medical services and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Honda Accord Crosstour.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, falling objects, hitting a bird, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Accord Crosstour from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

At the end of the day…

Cheaper insurance coverage is available online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not have the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered a lot of tips how to reduce 2013 Honda Accord Crosstour insurance premium rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the biggest savings come from the least-expected company. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like Allstate, GEICO and Progressive.