Searching for better insurance prices for your Honda Accord Crosstour in California could be an all-consuming task, but you can use our auto insurance buying tips to make it easier.
There is a better way to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes for your Honda and find the cheapest rates from San Diego insurance agents and online providers.
A recent auto insurance study discovered that nearly 70% of consumers have been with the same company for more than four years, and 38% of customers have never compared rates with other companies. Drivers in the U.S. could save nearly $850 a year, but they think it’s difficult to compare rate quotes online.
It’s a good habit to take a look at other company’s rates as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the best rates on Honda Accord Crosstour insurance in San Diego last year you may be paying too much now. You can find a lot of information about Accord Crosstour insurance online but in this article, you’re going to get some proven techniques to put money back in your pocket.
If you are already insured or want to find a cheaper company, use these money-saving tips to get lower rates without sacrificing coverage. Finding and buying the most affordable coverage in San Diego is not as confusing as people think. Drivers just have to know the most time-saving way to compare different rates from many companies at once.
You Can Change Your Insurance Premiums
A large part of saving on car insurance is knowing some of the factors that are used to determine the rates you pay for car insurance. If you understand what impacts premium levels, this enables informed choices that could result in cheaper rates.
Do thieves like your car? – Driving a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all hinder car theft and help bring rates down.
Drive less and save – The more you drive in a year’s time the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Accord Crosstour is throwing money out the window. Make sure your declarations sheet correctly shows how each vehicle is driven.
Extra coverages push up premiums – There are many additional extra coverages that may not really be needed if you aren’t diligent. Coverages like personal injury protection, death and dismemberment, and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.
Having a spouse can lower costs – Getting married may cut your premiums on your policy. It demonstrates that you tend to be more stable financially and statistics show married couples file fewer claims.
How much liability insurance – The liability section of your policy kicks in if ever you are responsible for damages caused by your negligence. It will provide legal defense which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Car insurance policy lapses lead to higher premiums – Not maintaining insurance is against the law and your next policy will cost more because you let your insurance lapse for non-payment. Not only will rates go up, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Insurance losses for a Honda Accord Crosstour – Car insurance companies use past insurance losses to determine a rate that will be profitable for them. Vehicles that the statistics show to have increased losses will have increased rates. The table below illustrates the insurance loss data used by companies for Honda Accord Crosstour vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is a value of 100. Values that are 100 or less suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
Honda Accord Crosstour Insurance Claim Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda Accord Crosstour 4dr 2WD||85||97||83||122||113||94|
|Honda Accord Crosstour 4dr 4WD||99||102||94||120||93|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The companies in the list below can provide free rate quotes in California. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord Crosstour EX 2WD||$328||$650||$718||$42||$214||$1,952||$163|
|Accord Crosstour EX-L 2WD||$328||$650||$718||$42||$214||$1,952||$163|
|Accord Crosstour EX-L 4WD||$244||$464||$530||$32||$158||$1,428||$119|
|Accord Crosstour EX-L Navigation 2WD||$204||$440||$624||$36||$186||$1,490||$124|
|Accord Crosstour EX-L Navigation 4WD||$300||$618||$718||$42||$214||$1,892||$158|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in vehicle location which can modify premiums significantly.
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Honda Accord Crosstour premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $1,000 deductibles, single male driver, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive formula of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Honda Accord Crosstour claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If you are paying more than $500 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some scenarios where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Insurance just makes sense
Even though San Diego Accord Crosstour insurance rates can get expensive, insurance may be required for several reasons.
First, most states have minimum liability requirements which means you are required to carry a minimum amount of liability protection in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a lien holder, almost all lenders will stipulate that you have full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Honda at an extremely high rate and force you to pay for it.
Third, insurance preserves both your vehicle and your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $855 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.
Save a ton by getting discounts
Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but some may not be applied and must be asked about before you get the savings.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems help deter theft and will qualify for a discount on a San Diego car insurance quote.
- Onboard Data Collection – San Diego drivers who agree to allow driving data submission to scrutinize vehicle usage by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
- Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
- Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
As is typical with insurance, most discounts do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.
To see a list of companies with discount rates in California, click this link.
Car insurance is available from agents near you
Many drivers would prefer to talk to an insurance agent and there is nothing wrong with that. Licensed agents will help you protect your assets and help submit paperwork. An additional benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to. Supporting small agencies is important particularly in San Diego.
Upon completion of this form (opens in new window), your coverage information is transmitted to companies in San Diego that can give you free San Diego car insurance quotes to get your business. There is no reason to contact an agency due to the fact that quote results will go immediately to you. If you wish to get a price quote from a specific company, feel free to visit that company’s website and fill out the quote form the provide.
Finding the right insurer is decision based upon more than just the quoted price. These are some valid questions you should ask.
- Is assistance available after office hours?
- What company do they have the most business with?
- Is working in the agency their full-time job?
- How long has their agency been open in San Diego?
- Who is covered by the car insurance policy?
- Are aftermarket or OEM parts used to repair vehicles?
- If you have an accident, will your rates go up?
One last thing to lower rates
People who switch companies do it for any number of reasons including lack of trust in their agent, delays in responding to claim requests, poor customer service and policy non-renewal. Regardless of your reason, switching car insurance companies can be pretty painless.
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability coverage limits only to discover later they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best possible price and still be able to protect your assets.
There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell coverage through local independent agencies. More affordable car insurance in San Diego is attainable from both online companies and from local agencies, so you should compare both in order to have the best chance of saving money.
Additional information is located at the links below
- Teen Driver Licensing Information (iihs.org)
- Who Has Affordable San Diego Auto Insurance Quotes for Used Cars? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Handicapped Drivers in San Diego? (FAQ)
- How Much are Car Insurance Rates for a 20 Year Old Male in San Diego? (FAQ)
- What Insurance is Cheapest for Safe Drivers in San Diego? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Kia Forte in San Diego? (FAQ)
- What Insurance is Cheapest for Electric Cars in San Diego? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)