How to Reduce Your Honda Accord Crosstour Auto Insurance Rates

Shoppers have a choice when shopping for the best price on Honda Accord Crosstour insurance. You can either spend your time calling around to get rate comparisons or use the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Honda and find the lowest possible price from both online companies and local agents.

How much can you save with discounts?

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Certain discounts will be applied when you purchase, but a few must be specially asked for prior to getting the savings. If they aren’t giving you every credit available, you’re paying more than you need to.

• Safe Driver Discount – Insureds without accidents may save up to 50% more on Accord Crosstour insurance than less cautious drivers.
• Paperless Signup – A handful of insurance companies give back up to $50 just for signing your application digitally online.
• Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Clubs and Organizations – Participating in a qualifying organization could trigger savings when shopping for auto insurance on Accord Crosstour insurance.
• No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
• Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
• Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
• Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
• Federal Government Employee – Active or retired federal employment can save as much as 8% on Accord Crosstour insurance with certain companies.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.

Keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will bring down the cost of coverage.

To choose companies offering auto insurance discounts, follow this link.

Honda Accord Crosstour insurance premiums are calculated by many factors

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes a partial list of the pieces used by your company to calculate premiums.

• Tickets mean higher rates – Drivers who don’t get tickets have lower premiums than bad drivers. Only having one speeding ticket can bump up the cost twenty percent or more. If you have serious violations such as DUI or reckless driving may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
• Poor credit can mean higher rates – A driver’s credit history is a huge factor in determining what you pay for auto insurance. Therefore, if your credit history is not that good, you could be paying less to insure your Honda Accord Crosstour by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
• Lower rates come with age – More mature drivers are more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers tend to be less responsible when driving and because of this, their auto insurance rates are much higher.
• Your spouse saves you money – Having a spouse can actually save you money on your auto insurance policy. It means you’re more mature than a single person and statistics show married couples file fewer claims.
• Choose a safe vehicle and save – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates. If your Honda Accord Crosstour scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Never allow your policy to lapse – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.

Auto insurance ads bend the truth

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. All the ads make an identical promise of big savings if you move your coverage to them.

But how can every company make the same claim? This is how they do it.

All companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and has a high credit rating. A customer who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the “perfect” profile must pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how companies can advertise the way they do.

This illustrates why you need to get quotes from several different companies. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Smart consumers save more

Discount Honda Accord Crosstour insurance is available both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Drivers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, policy non-renewal and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be easier than you think.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.