2015 Honda Accord Crosstour Insurance Cost in 2024

When looking for lower-cost insurance, do you get frustrated by the crazy number of car insurance companies in your area? Lot’s of other drivers are too. You have so many companies to choose from that it can quickly become hard work to find the lowest price.

You should make it a habit to quote other rates quite often because car insurance rates are constantly changing. Even if you think you had the lowest rate for Accord Crosstour coverage a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Finding the best coverage can be fairly easy. Nevertheless, drivers need to learn the way insurance companies price online insurance.

How to compare insurance quotes

Most companies give coverage price quotes direct online. Doing online price comparisons can be done by anyone as all you need to do is type in the amount of coverage you want as requested by the quote form. When the form is submitted, their quoting system requests credit information and your driving record and generates a price based on these and other factors.

This makes it easy to compare insurance prices but the process of having to visit several different sites and type in your information can get tiresome after awhile. But it’s also necessary to have as many quotes as possible if you want to get a lower rate.

There is a better way to compare rates

A quicker way to get multiple rate quotes utilizes a single form that analyzes rates from several companies at one time. The form is fast, eliminates form submissions, and makes quoting online a lot less work. After sending your information, it is quoted and you can select any one of the price quotes you receive.

If you find a better price you can simply submit the application and buy the new coverage. The entire process only takes a few minutes and may result in a nice savings.

If you want to find out if lower rates are available, simply enter your zip code here and submit your coverage information. To compare your current rates, we recommend you input your coverages exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes based on identical coverages.

Car insurance ads bend the truth

Progressive, GEICO, Allstate and State Farm endlessly run ads on television and other media. They all seem to make the promise about saving some big amount if you change your policy. How do they all save you money? It’s all in the words they use.

Different companies look for specific characteristics for the type of driver that earns them the highest profit. For example, this type of risk profile could possibly be between the ages of 40 and 55, has never had a policy lapse, and has excellent credit. Someone who matches those parameters receive the lowest rate quotes and will probably cut their rates substantially.

Insureds who cannot meet these stringent criteria may be forced to pay a higher rate with the end result being the customer not buying. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.

Because of these techniques, you absolutely need to get a wide range of price quotes. It’s impossible to know the company that will be your best fit.

Take policy discounts and save

Car insurance companies don’t always list all possible discounts very well, so the list below details both well-publicized as well as the least known credits available to bring down your rates.

• Drivers Ed for Students – Teen drivers should take driver’s ed class if it’s offered in school.
• Discount for Switching Early – A few companies offer discounts for switching policies prior to your current policy expiring. It could save around 10% when you buy car insurance online.
• Online Discount – Some larger companies provide a small discount for completing your application over the internet.
• Telematics Data Discounts – Drivers that enable driving data submission to analyze where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they are good drivers.
• Distant Student – Children who are enrolled in higher education away from home and leave their car at home can receive lower rates.
• Defensive Driving Course – Passing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
• Good Drivers – Safe drivers may save up to 50% more for Accord Crosstour coverage compared to accident prone drivers.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
• Professional Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for car insurance.

Don’t be surprised that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Auto insurance companies that possibly offer most of these discounts include:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

It’s a good idea to ask all the companies the best way to save money. Some credits may not apply to policyholders in your area. To find car insurance companies that offer multiple discounts, enter your zip code here.

Which policy gives me the best coverage?

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation might need professional guidance.

• Is upholstery damage covered by car insurance?
• How high should my uninsured/underinsured coverage be in my state?
• When can my company non-renew my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• Where can I find DUI or SR-22 insurance?
• Do I need rental car coverage?
• Am I missing any policy discounts?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out your zip code.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hitting a bird, rock chips in glass and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2015 Honda Accord Crosstour.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.

Auto liability insurance – Liability insurance will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, emergency aid, structural damage, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Stretch your dollar

We’ve covered quite a bit of information on how to save on 2015 Honda Accord Crosstour insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. You may even discover the best premium rates are with an unexpected company.

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even policy non-renewal. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at the best price but still have enough coverage for asset protection.