Save Money on Honda Accord Crosstour Insurance in Scottsdale

Insurance quote for Honda Accord Crosstour in ScottsdaleThe best way we recommend to get affordable Honda Accord Crosstour insurance is to begin comparing prices regularly from companies in Scottsdale. Price quotes can be compared by following these steps.

Step 1: Learn about individual coverages and the measures you can take to prevent rate increases. Many risk factors that cause high rates like traffic citations and poor credit history can be improved by making small lifestyle or driving habit changes. This article provides the details to get affordable coverage and find hidden discounts.

Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new quotes to the premium of your current policy to determine if you can save on Accord Crosstour insurance in Scottsdale. If you can save money, ensure there is no coverage lapse between policies.

Step 4: Tell your current company to cancel your current policy and submit a completed policy application and payment to the new company. As soon as you receive it, place your new proof of insurance certificate in an easily accessible location in your vehicle.

The key aspect of shopping around is that you’ll want to make sure you compare similar coverage information on every price quote and and to look at all possible companies. Doing this ensures a fair rate comparison and and a good selection of different prices.

It’s shocking but 70% of consumers have stayed with the same insurance company for at least four years, and 38% of drivers have never even shopped around for affordable coverage. American insurance shoppers could save themselves nearly $859 a year by just comparing rate quotes, but most undervalue the amount of money they would save if they switched to a more affordable policy.

Affordable Honda insurance rates in Scottsdale

The auto insurance companies shown below are our best choices to provide free rate quotes in Arizona. If you wish to find cheap car insurance in Scottsdale, it’s a good idea that you click on several of them in order to find the lowest rates.

Coverage analysis

The coverage table shown next showcases different policy rates for Honda Accord Crosstour models. Being more informed about how policy rates are formulated can help customers make informed purchases.

Honda Accord Crosstour Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $222 $456 $424 $26 $126 $1,254 $105
Accord Crosstour EX-L 2WD $222 $456 $424 $26 $126 $1,254 $105
Accord Crosstour EX-L 4WD $250 $538 $424 $26 $126 $1,364 $114
Accord Crosstour EX-L Navigation 2WD $250 $538 $424 $26 $126 $1,364 $114
Accord Crosstour EX-L Navigation 4WD $250 $538 $424 $26 $126 $1,364 $114
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific location which can increase or decrease coverage prices substantially.

Higher deductibles lower rates

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The rates below may aid in understanding the price difference between low and high physical damage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Honda Accord Crosstour insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $258 $466 $374 $22 $112 $1,257 $105
Accord Crosstour EX-L 2WD $258 $466 $374 $22 $112 $1,257 $105
Accord Crosstour EX-L 4WD $292 $548 $374 $22 $112 $1,373 $114
Accord Crosstour EX-L Navigation 2WD $292 $548 $374 $22 $112 $1,373 $114
Accord Crosstour EX-L Navigation 4WD $292 $548 $374 $22 $112 $1,373 $114
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Honda Accord Crosstour insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $188 $314 $374 $22 $112 $1,010 $84
Accord Crosstour EX-L 2WD $188 $314 $374 $22 $112 $1,010 $84
Accord Crosstour EX-L 4WD $212 $370 $374 $22 $112 $1,090 $91
Accord Crosstour EX-L Navigation 2WD $212 $370 $374 $22 $112 $1,090 $91
Accord Crosstour EX-L Navigation 4WD $212 $370 $374 $22 $112 $1,090 $91
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can modify price quotes significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $22 more each month or $264 each year averaged for all Accord Crosstour models than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 18 months between claims, you would save money if you choose the higher deductible.

Tickets and at-fault accidents raise rates

The diagram below illustrates how traffic citations and accident claims can influence Honda Accord Crosstour insurance prices for different age groups. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Six Things That Determine Your Insurance Premiums

Lots of things are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are less obvious such as your marital status or your financial responsibility.

Listed below are some of the most rate-impacting factors that factor into your prices.

Your stress level may be raising your rates – Occupational choices like judges, police officers, and miners have higher rates than the rest of us because of intense work-related stress and long work days. On the flip side, careers like professors, engineers and performers generally pay rates lower than average.

Where you reside is a factor – Choosing to live in small towns and rural areas can save you money when insuring your vehicles. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims. Residents of big cities tend to have more auto accidents and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.

Use but don’t abuse your insurance – If you file a lot of claims you should expect either higher rates or even cancellation. Companies in Arizona provide better rates to insureds who are not frequent claim filers. Insurance coverage is meant to be used in the event of the large, substantial claims.

Rates impacted by vehicle usage – Driving more miles in a year’s time the higher the price you pay to insure it. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance policy states the correct driver usage, because it can save money. Incorrect rating for your Accord Crosstour can result in significantly higher rates.

Deter vehicle theft – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.

Type of car, truck or SUV determines base costs – The type of car or truck you are trying to find cheaper insurance for makes a huge difference in your auto insurance rates. The lowest premiums will generally be found on economy passenger vehicles, but your final cost has many other factors.

The following chart uses these assumptions: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Honda Accord Crosstour policy rates compared to other makes and models that have a range of risk factors.

Honda Accord Crosstour claim probability – Companies use statistical claims data to help set a rate to offset losses. Models that the data shows to have high amounts or severity of claims will have a higher premium rate. The table below shows the actual insurance loss data for Honda Accord Crosstour vehicles.

For each coverage type, the claim probability for all vehicles averaged together is set at 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Car Insurance Loss Data for Honda Accord Crosstour Models
Specific Honda 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
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Scottsdale insurance discounts for a Honda Accord Crosstour

Insuring your fleet can be pricey, but you may qualify for discounts that may help make it more affordable. A few discounts will automatically apply when you purchase, but occasionally some discounts must be inquired about before you will receive the discount. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.Save money with discounts

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

The chart below visualizes the comparison of Honda Accord Crosstour auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Popular auto insurance companies and the discounts they provide are:

If you need lower rates, check with each insurance company which discounts they offer. Some credits may not apply to policyholders in Scottsdale. For a list of companies who offer cheap Honda Accord Crosstour insurance quotes in Arizona, click here.

Car insurance quotes from local Scottsdale insurance agencies

A small number of people just prefer to visit with an insurance agent and doing so can bring peace of mind A good thing about comparing rate quotes online is you may find cheap rate quotes and still have an agent to talk to.

Insurance agency in ScottsdaleTo find an agent, once you fill out this simple form, your coverage information is instantly submitted to participating agents in Scottsdale that can provide free Scottsdale car insurance quotes and help you find cheaper coverage. You don’t have to find an agent due to the fact that quote results will go immediately to you. It’s the lowest rates and a licensed agent to work with. If you wish to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.

Finding the right insurance company should depend on more than just the premium amount. Any agent in Scottsdale should have no problem answering these questions:

Choose the right auto insurance agent

If you want to buy car insurance from a reliable insurance agent, you must know there are a couple different agency structures and how they can quote your rates. Agents in Scottsdale can be classified as either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agents

Agents of this type normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agencies are well trained on sales techniques which helps them sell on service rather than price. Consumers often use the same exclusive agent partially due to the brand name and solid financial strength.

Below are exclusive insurance agencies in Scottsdale who may provide you with comparison quotes.

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Independent Car Insurance Agencies

These type of agents are not employed by any specific company and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. If prices rise, they simply move the coverage in-house which requires no work on your part.

When comparing car insurance rates, you will want to check rates from several independent insurance agents so that you can do a thorough price comparison. Most can insure with companies you’ve never heard of which can save you money.

Shown below are independent insurance agents in Scottsdale that are able to give price quotes.

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Don’t assume everyone needs the same car insurance coverage

When choosing insurance from an agent or online for your personal vehicles, there really is no one size fits all plan. Your needs are unique to you.Drive safe and save

For example, these questions might point out whether you would benefit from professional advice.

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

You can find cheap coverage

As you quote Scottsdale car insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Affordable Honda Accord Crosstour insurance in Scottsdale is attainable online and also from your neighborhood Scottsdale agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and these regional insurance providers sell through local independent agents.

We just presented a lot of techniques to save on Honda Accord Crosstour insurance in Scottsdale. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with the least-expected company.

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