2011 Honda Accord Crosstour Car Insurance Rates

Locating better insurance prices for a new or used Honda Accord Crosstour can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to get price quotes for a new or used Honda and locate the cheapest rates either online or from local insurance agents.

You should make it a habit to compare prices periodically since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rates on Accord Crosstour coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

The fastest way that we advise to get policy rate comparisons is to know the fact most of the bigger providers pay for the opportunity to give you rate quotes. The only thing you need to do is give the companies some data including how much education you have, distance driven, marital status, and if it has an anti-theft system. The data is instantly submitted to insurance carriers in your area and you get price estimates very quickly.

To check rates for your 2011 Honda Accord Crosstour, click here and see if a lower rate is available.

Policy discounts you shouldn’t miss

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on insurance coverage on Accord Crosstour coverage.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Car insurance companies that may have these benefits may include but are not limited to:

Check with each company which discounts they offer. Savings might not be offered everywhere.

Insurance agents can help

When choosing coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Do I need special endorsements for business use of my vehicle?
  • What is PIP insurance?
  • What can I do if my company denied a claim?
  • Are rock chip repairs covered?
  • Can I afford low physical damage deductibles?
  • Is my dog or cat covered if injured in an accident?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when pulling a rental trailer?
  • Can my teen drive my company car?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 2011 Honda Accord Crosstour

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for chiropractic care, nursing services, ambulance fees, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, a broken windshield and damage from flooding. The highest 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 consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Accord Crosstour.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision protection

This pays for damage to your Accord Crosstour caused by collision 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 things such as colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.