Cut your Honda Crosstour Insurance Rates in Five Minutes
If shopping for auto insurance was more enjoyable, it would get done more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding good insurance for your Honda Crosstour probably leaves you feeling the same way.
Step One: Compare Rates
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Now you can compare rates and buy a policy online!
Comparing insurance rates for a Honda Crosstour only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Crosstour is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your Crosstour for Less
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Crosstour insurance rates.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- If your Honda is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
Step Three: Buy the Best Policy
Once you have compared identical rate quotes for your Crosstour and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If the Honda Crosstour is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Crosstour won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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