Have you had enough of not being able to afford each month for car insurance? Your situation is no different than most other car owners. There are many car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to compare rates.
Finding the lowest cost auto insurance can be fairly easy. If you have a current auto insurance policy or are looking for a new policy, you can use these tips to find the best rates and possibly find even better coverage. Consumers just need to know how to buy auto insurance over the internet.
Auto Insurance Prices
Reducing your Honda Accord Crosstour insurance rates isn’t really that difficult. All that’s required is to take a few minutes to compare quotes from different insurance companies. This can be accomplished in a couple of different ways.
- The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing repetitive form entry for each company. A single, simple form gets you price quotes from auto insurance companies with the best prices.
- A more difficult way to compare rate quotes is to manually visit the website of each company to request a price quote. For instance, let’s assume you want comparison quotes from Farmers, State Farm and GMAC. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
- The least recommended way of getting rate comparisons is driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the professional guidance that only a license agent can provide. Drivers can comparison shop your insurance online but still have the advice of a local agent and we’ll cover that in a bit.
However you get your quotes, ensure you are comparing exactly the same coverage information on every quote. If you use different limits and deductibles on each one it will be impossible to make a fair comparison for your Honda Accord Crosstour.
Lower rates by qualifying for discounts
Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few need to be specifically requested before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.
- No Charge for an Accident – A few companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
- Government Employees – Active or retired federal employment can earn a discount up to 10% on Accord Crosstour insurance with certain companies.
- Resident Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
- Military Discounts – Having a deployed family member could be rewarded with lower premiums.
- Drive Less and Save – Driving fewer miles can earn better rates on cars that stay parked.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
- Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.
To see a list of insurance companies who offer auto insurance discounts, click this link.
Buying car insurance locally
Some consumers would rather talk to a local agent and that is just fine! Agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to. Supporting local insurance agencies is important especially if you live in a smaller city or town.
To find an agent, once you fill out this simple form, your information is submitted to companies who will return price quotes to get your business. You never need to leave your computer because quoted prices will be sent to the email address you provide. How cool is that?!
What types of insurance agencies are there?
When researching a reliable agent, you must know there are a couple different agency structures that you can select. agents can either be independent or captive. Both types can properly insure your vehicles, but it’s good to learn how they are different because it can influence your agent selection.
Independent Agents
Independent agencies are not employed by any specific company but instead can place your coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, it’s recommended you include price quotes from several independent insurance agents for the best price selection.
Captive Agents
Captive agents can only write with one company and some examples include AAA, Allstate and State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which can be an advantage.
To view a full list of agencies, visit this site.
Deciding on an insurance agency needs to be determined by more than just the price. Here are some questions to ask:
- Do the companies they represent have a solid financial rating?
- Are claims handled at the agent’s location?
- Is working in the agency their full-time job?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
After getting reasonable responses in addition to an acceptable price estimate, most likely you have located an auto insurance agent that meets your needs to properly service your auto insurance policy.
In the end, you save
In this article, we covered quite a bit of information on how to lower your Honda Accord Crosstour insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.
Affordable Honda Accord Crosstour insurance is available both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer online price quotes and these small insurance companies work with independent agents.
