I can't think of a single person who loves paying for auto insurance, in particular when they could lower their rates if they shopped around.

Insurance for Honda CrosstourRegrettably, a large majority of drivers renewed their policy with the same company for more than four years, and just short of a majority have never compared rate quotes at all. Consumers in Missouri could save almost 25% every year, but they feel it's too difficult to find cheap rates by getting comparison quotes.

Numerous insurance companies battle for your business, so it's not easy to compare every insurer and uncover the absolute lowest cost out there.

It is always a good idea to check auto insurance prices quite often because prices trend upward over time. Despite the fact that you may have had the best deal on Honda Crosstour insurance in St. Louis on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because it's time to teach you one of the quickest ways to save on auto insurance.

Take these five policy discounts and save on Honda Crosstour insurance in St. Louis

Some insurers don't necessarily list all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find credits that may apply to you. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

As is typical with insurance, some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and some of the premium reductions they offer are:

Before buying, ask each insurance company to apply every possible discount. Savings may not apply in St. Louis. To view auto insurance companies with significant discounts in St. Louis, click this link.

All major insurance companies such as Allstate and Progressive make it easy to get prices online. Doing online price comparisons for Honda Crosstour insurance in St. Louis can be done by anyone as you just enter your personal and coverage information as detailed in the form. When the form is submitted, the system automatically retrieves information on your driving record and credit history and returns a price based on the information you submitted. This makes it a lot easier to compare rates and it's very important to get many rate quotes in order to get the most affordable premium.

In order to compare rates now, check out the insurance providers below. If you have a policy now, it's recommended you type in the coverage information as shown on your current policy. This guarantees you will have rate comparison quotes based on similar coverages.

The companies shown below are ready to provide comparison quotes in St. Louis, MO. If multiple providers are shown, it's highly recommended you visit several of them to get the best price comparison.

Do I need special coverages?

Always remember that when buying a policy, there isn't really a one-size-fits-all type of policy. Your financial needs are unique so this has to be addressed. For instance, these questions may help highlight if you might need an agent's assistance.

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Local agents and insurance

Many people just want to go talk to an agent and that is just fine! An additional benefit of comparing insurance prices online is you can get lower rates and still have a local agent.

St. Louis insurance agentsFor easy comparison, once you complete this simple form, your insurance coverage information gets sent to local insurance agents who will gladly provide quotes to get your business. It makes it easy because there is no need to leave your computer due to the fact that quote results will go immediately to your email address. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote from one company in particular, you just need to go to their quote page and give them your coverage information.

Finding a good company should include more criteria than just a low price. A good agent in St. Louis will have answers to these questions.

If you want a reputable agency, it's important to understand the different types of agents and how they operate. Insurance agents can either be exclusive or independent.

Exclusive Insurance Agencies

These agents write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are well schooled on their products and sales techniques which helps overcome the inability to quote other rates.

Listed below are exclusive insurance agencies in St. Louis that are able to give comparison quotes.

4530 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 487-2100 - View Map

Ralph Graves - State Farm Insurance Agent
10438 W Florissant - St. Louis, MO 63136 - (314) 388-0330 - View Map

Angela Rule - State Farm Insurance Agent
5153 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 892-1903 - View Map

View more St. Louis agents

Independent Insurance Agents

Agents in the independent channel are appointed with more than one company so they can write business through many companies and potentially find a lower price. If they quote lower rates, they simply move the coverage in-house and you don't have to switch agencies.

When comparison shopping, we highly recommend that you get rate quotes from at least one independent agent to have the most options to choose from.

Listed below is a list of independent insurance agencies in St. Louis that can give you price quotes.

117 N Kirkwood Rd # 201 - St. Louis, MO 63122 - (314) 965-0501 - View Map

9378 Olive Blvd #115 - St. Louis, MO 63132 - (314) 432-2100 - View Map

100 N Broadway #900 - St. Louis, MO 63102 - (314) 241-8700 - View Map

View more St. Louis agents

Why you need quality insurance for your Honda vehicle

Despite the fact that auto insurance is not cheap in St. Louis, insuring your vehicle is required by state law in Missouri and it also provides benefits you may not be aware of.

First, almost all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to get the vehicle licensed. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, almost all lenders will require that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Honda at a more expensive rate and force you to reimburse them for the expensive policy.

Third, auto insurance preserves not only your Honda Crosstour but also your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. As of last year, the average driver in Missouri is overpaying more than $700 annually so compare rates once a year at a minimum to ensure rates are inline.

Auto insurance 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you'll find typical coverage types found on the average insurance policy.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like pain medications, hospital visits, ambulance fees, funeral costs and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverages - Collision coverage will pay to fix damage to your Crosstour resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to choose a higher deductible on your Crosstour in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers - This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Honda Crosstour.

Because many people only carry the minimum required liability limits (Missouri limits are 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance - This protects you from damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/10 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability coverage pays for claims like legal defense fees, repair bills for other people's vehicles, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford. Missouri requires drivers to carry at least 25/50/10 but you should think about purchasing higher limits.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Affordable insurance premiums are possible

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best cost while still protecting your assets.

You just read a lot of techniques to shop for Honda Crosstour insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates are with a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

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