How to Save on Insurance for your Honda Accord Crosstour
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Cutting the check for each renewal on your Honda Accord Crosstour might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Welcome to the 21st century!
You can compare insurance rates for a Honda Accord Crosstour simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Important! If you already have liability and physical damage coverage on your Accord Crosstour, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Save on Accord Crosstour Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- 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
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- 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.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Accord Crosstour falls into either category, it could cost you.
Step Three: Finalize your Policy Details
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Honda off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Accord Crosstour. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.