Best Ways to Save on Chandler Honda Accord Crosstour Insurance

To save the most money, the best way to find the cheapest price for Honda Accord Crosstour insurance is to make a habit of regularly comparing prices from providers in Chandler.

First, gain an understanding of auto insurance and the changes you can make to lower rates. Many risk factors that increase rates like your driving record and a substandard credit score can be rectified by making minor changes to your lifestyle. This article gives information to get lower rates and get discounts that may be available to you.

Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agents can provide price quotes from multiple companies.

Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.

The key aspect of shopping around is to use the same level of coverage on each quote request and to quote with as many different companies as possible. Doing this guarantees a fair price comparison and the best price quote selection.

We don’t have to tell you that car insurance companies don’t want you comparing rates. Drivers who shop around once a year will, in all likelihood, buy a new policy because there is a good probability of finding a policy with better rates. A study showed that people who compared prices regularly saved over $72 a month as compared to drivers who never shopped around for better prices.

If saving money on auto insurance is your intention, then knowing how to shop for coverages can make it easier to shop your coverage around.

Buy Chandler Honda Accord Crosstour insurance online

The car insurance companies shown below have been selected to offer free quotes in Arizona. If multiple companies are listed, we recommend you compare several of them in order to find the most affordable rates.

Honda Accord Crosstour insurance charts and tables

The rate table displayed next showcases a range of insurance policy prices for Honda Accord Crosstour models. Learning as much as possible about how insurance policy premiums are formulated can assist in making informed decisions when comparing rate quotes.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific Chandler garaging location which can decrease or increase rates greatly.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The data tables below can help illustrate how much more rates are of buying low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in your specific Chandler location which can increase or decrease premiums noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $23 more each month or $276 annually than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 33 months between claims, you would more than likely save some money by going with a higher deductible. The table below shows a better example of how this calculation is made.

One important issue to know is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. That will force you to have access to more funds in the event you need to pay the higher deductible in order to repair your vehicle.

Tickets and at-fault accidents raise rates

The example below highlights how speeding tickets and at-fault accidents increase Honda Accord Crosstour annual premium costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Learn How to Buy Auto Insurance at a Discount

Multiple criteria are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure such as whether you are married or how safe your car is. The best way to find cheaper auto insurance is to take a look at the factors that are used to determine the rates you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could help you find lower auto insurance prices.

The itemized list below are some of the major factors auto insurance companies consider when setting rates.

• Vehicle risk impacts costs – The performance level of the vehicle you are buying insurance for makes a substantial difference in the rate you pay. The lowest base rates tend to be for lower cost passenger models, but there are many factors that impact the final cost.

  The data below uses these assumptions: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Accord Crosstour car insurance rates compared to other models of vehicles that have a range of risk factors.

• Consolidate policies with the same company – Most insurers provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, it’s always a smart idea to shop around to verify if the discount is saving money.
• Where you live – Residing in smaller towns and rural areas of the country has it’s advantages when insuring your vehicles. Residents of big cities have to deal with more traffic problems and higher rates of accident claims. Fewer drivers on the road translates into fewer accident claims and a lower car theft rate.
• Lower prices with continuous coverage – Having a lapse in insurance coverage is a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a revoked license or a big fine.

• Honda Accord Crosstour claim probability – Car insurance companies analyze claim trends for every vehicle to determine a rate that will be profitable for them. Vehicles that tend to have higher losses will have higher premium rates. The next table illustrates the collected loss data for Honda Accord Crosstour vehicles.

  For each type of coverage, the loss probability for all vehicles averaged together is equal to 100. Percentage values below 100 suggest a better than average loss history, while values over 100 indicate frequent claims or tendency to have higher losses.

  
  

  Insurance Loss Ratings for Honda Accord Crosstour Vehicles

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing Accord Crosstour insurance is an important decision

Despite the fact that car insurance is not cheap in Chandler, car insurance serves a purpose in several ways.

• Just about all states have compulsory liability insurance requirements which means the state requires a specific level of liability in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Accord Crosstour has a loan, most lenders will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may buy a policy for your Honda at a much higher premium rate and require you to fork over for the expensive policy.
• Insurance protects both your car and your assets. Insurance will pay for medical bills incurred in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. The average driver in Arizona overpays as much as $700 annually so you should quote your policy with other companies at least once a year to save money.

Best car insurance in Chandler

Finding a high-quality insurer can be a challenge considering how many companies there are in Arizona. The ranking information in the lists below can help you choose which coverage providers to look at comparing prices from.

Top 10 Chandler Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance