Compare 2013 Honda Crosstour Insurance Rates in 2024

Want the cheapest auto insurance rates for your Honda Crosstour? Trying to find the cheapest insurance for a Honda Crosstour can turn out to be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for auto insurance and you need to know the best way to price shop coverage on a Honda and get the lowest price from both online companies and local agents.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Shopping for the cheapest coverage is simple if you know the tricks. Vehicle owners only need an understanding of the most efficient way to shop their coverage around online.

Learn how to find insurance coverage for less

Many different elements are used when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are more obscure like your continuous coverage or your financial responsibility. A large part of saving on insurance coverage is knowing some of the things that are used to determine your premiums. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to lower rates.

Shown below are some of the most common factors used by insurance companies to determine your rates.

• Maintain insurance coverage coverage – Having a gap between insurance policy dates can be a sure-fire way to pay more for insurance coverage. Not only will you pay higher rates, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
• Your occupation may affect prices – Did you know your insurance coverage rates can be affected by your occupation? Occupational choices like fire fighters, executives and accountants tend to pay higher premiums than the average policyholder because of intense work situations and lots of time spent at work. On the flip side, professions such as professors, historians and homemakers generally pay rates lower than average for Crosstour insurance.
• Liability insurance is important – Liability insurance is the coverage that protects you in the event that you are ruled to be at fault for damages from an accident. It will provide legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Marriage reduces risk – Having a significant other can actually save you money on your policy. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
• Improve your credit score – A driver’s credit score can be a huge factor in calculating your premium rate. If your credit history is low, you could pay less to insure your 2013 Honda Crosstour by improving your credit score. People that have very high credit ratings tend to be better risks to insure than drivers who have worse credit.
• Accidents are costly – Having a single citation may cause rates to rise substantially. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers unfortunate enough to have flagrant violations such as DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state motor vehicle department in order to prevent a license revocation.
• Expect high rates for teens – Older drivers are more cautious drivers, tend to file fewer claims . Teen drivers are known to get distracted easily when driving so they pay higher insurance coverage rates.

Finding insurance coverage

Effectively comparing insurance coverage prices can be exhausting if you don’t utilize the most efficient way. You could waste time talking to insurance agencies in your area, or you could use online quotes for quick rates.

Many of the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company returns a rated price based on that data. This system prevents you from having to do quote forms to each company.

To compare pricing enter your zip code here.

One minor caveat to comparing rates this way is you are unable to specify which providers you want pricing from. If you prefer to choose specific insurance companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

The method you choose is up to you, but ensure you’re using exactly the same quote data with each company. If you compare differing limits it will be impossible to determine which rate is truly the best.

Be skeptical of auto insurance ads

Consumers can’t avoid all the ads that promise big savings by Progressive, Allstate and GEICO. They all seem to say the same thing about saving some big amount just by switching your policy.

How can each company charge you a lower premium? Here is how they do it.

All the different companies give the cheapest rates for the driver that will most likely be profitable. A good example of a profitable risk profile might be described as a mature driver, has never had a claim, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters receives the best premium rates and therefore will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will have to pay a higher premium which translates to the customer buying from someone else. The ads say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can advertise the way they do.

Because of these techniques, it is so important to compare free insurance quotes often. Because you never know which auto insurance company will have the best prices.

Save with these rate-reducing discounts

Car insurance is expensive, but there may be some discounts that can help lower your rates. Some trigger automatically at the time of purchase, but once in a while a discount must be asked about before they will apply.

• Telematics Discount – Drivers that enable their car insurance company to spy on driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
• Defensive Driver Discount – Taking part in a defensive driver course could cut 5% off your bill if you qualify.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less when compared to policyholders that have many claims.
• Air Bags and Passive Restraints – Factory options such as air bags may get savings of up to 25% or more.
• Active Service Discounts – Having a family member in the military may lower your prices slightly.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Companies and some of the discounts are shown below.

• Progressive offers premium reductions for online signing, multi-vehicle, online quote discount, homeowner, good student, multi-policy, and continuous coverage.
• The Hartford has savings for defensive driver, driver training, anti-theft, air bag, bundle, vehicle fuel type, and good student.
• Mercury Insurance may have discounts that include multi-car, location of vehicle, annual mileage, multi-policy, and age of vehicle.
• GEICO offers discounts for defensive driver, multi-policy, five-year accident-free, daytime running lights, and good student.
• AAA may include discounts for AAA membership discount, good driver, multi-policy, pay-in-full, anti-theft, education and occupation, and good student.
• State Farm discounts include driver’s education, Steer Clear safe driver discount, multiple policy, passive restraint, and safe vehicle.

If you need cheap insurance quotes, ask every prospective company to apply every possible discount. Discounts may not apply to policies in your area. To view car insurance companies with the best car insurance discounts, enter your zip code here.

Do I need special coverages?

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

• Do I need added coverage for expensive stereo equipment?
• Is business property covered if stolen from my car?
• Are all vehicle passengers covered by medical payments coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Where can I find high-risk insurance?
• Do I need higher collision deductibles?
• Who is covered when they drive my 2013 Honda Crosstour?
• How do I buy GAP insurance?
• Do I need an umbrella policy?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and may give you better protection.

Car insurance coverages for a 2013 Honda Crosstour

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2013 Honda Crosstour.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liability limits.

Collision coverages – This coverage will pay to fix damage to your Crosstour from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, damage from flooding, rock chips in glass and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage kick in for bills for funeral costs, surgery and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, structural damage, repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

A little work can save a LOT of money

We just showed you many tips how you can save on 2013 Honda Crosstour insurance. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with a smaller regional carrier.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability coverage limits only to find out they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

The cheapest 2013 Honda Crosstour insurance is attainable on the web in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and many times these smaller companies prefer to sell through independent insurance agents.