Save Money on Honda Accord Crosstour Insurance in Fort Worth

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Do you need a better way to compare cheaper Honda Accord Crosstour insurance in Fort Worth? Tired of not being able to scrape enough together to pay insurance each month? You are no different than many other Texas drivers.

Insurance quote for Honda Accord Crosstour in Fort WorthIt's an obvious assumption that insurance companies don't want you to look for cheaper rates. Insureds who shop around are highly likely to buy a new policy because of the high probability of finding a lower rate. A recent study showed that people who regularly compared price quotes saved an average of $72 a month compared to those who didn't regularly shop around.

If finding the best rates on auto insurance is the reason you're here, then having an understanding of the best way to quote and compare insurance premiums can save time and money.

Steps to finding better rates for Honda Accord Crosstour insurance in Fort Worth

The most effective way to find cheaper prices for Honda Accord Crosstour insurance is to do an annual price comparison from different companies in Fort Worth.

First, read about how companies price auto insurance and the modifications you can make to prevent expensive coverage. Many risk factors that are responsible for high rates like high-risk driving behaviors and a bad credit score can be improved by making small lifestyle or driving habit changes.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from many different companies.

Third, compare the new rates to the premium of your current policy to see if a cheaper rate is available. If you can save some money, make sure coverage does not lapse between policies.

Fourth, notify your company or agent of your decision to cancel your current coverage and submit payment and a completed application to your new company or agent. Once the application is submitted, put the new certificate verifying coverage in a readily accessible location in your vehicle.

One key aspect of rate comparisons is to make sure you enter the same liability limits and deductibles on every quote and and to get price estimates from as many auto insurance providers as possible. This ensures a fair rate comparison and the most accurate and complete price analysis.

Popular companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with catchy ads and consumers find it hard to ignore the propaganda and effectively compare rates to find the best deal.

If you have a current insurance policy or just want cheaper rates, you will benefit by learning to find the best rates without sacrificing coverage. Locating the best insurance company for you in Fort Worth is really not that difficult. Vehicle owners just need to understand how to compare company rates online.

The most recommended method to compare car insurance company rates for Honda Accord Crosstour insurance in Fort Worth is to take advantage of the fact most of the bigger providers provide online access to give you rate quotes. All consumers are required to do is give them rating details including whether you drive to work or school, the type of vehicles you drive, whether or not you need a SR-22, and daily mileage. That rating information is automatically sent to insurance companies and they return quotes with very little delay.

To find lower lower-cost Honda Accord Crosstour insurance rates now, click here and complete the form.

The companies shown below offer price quotes in Texas. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Car insurance quotes and discounts

Car insurance companies don't always publicize every discount in an easy-to-find place, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you may qualify for.Save money with discounts

  • Driving Data Discount - Insureds who allow their company to analyze driving habits through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates if they show good driving skills.
  • Early Payment Discounts - If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Paperwork-free - A few larger online companies may give you up to $50 for signing up over the internet.
  • Multi-car Discount - Buying a policy with multiple cars on the same car insurance policy can get a discount for every vehicle.
  • Fort Worth Homeowners Discount - Simply owning a home can earn you a little savings because owning a home means you have a higher level of financial diligence.
  • No Charge for an Accident - Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual will let one accident slide without the usual rate increase so long as you haven't had any claims prior to being involved in the accident.

Policy discounts save money, but most of the big mark downs will not be given to the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, that's just not realistic.

The diagram below illustrates the comparison of Honda Accord Crosstour annual premium costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

Some companies that possibly offer these benefits include:

Before purchasing a policy, check with all companies you are considering the best way to save money. Some of the discounts discussed earlier may not be available in Fort Worth. To see insurance companies with discount rates in Texas, click this link.

Honda Accord Crosstour insurance statistics and information

The premium table below covers estimates of insurance costs for Honda Accord Crosstour models. Learning as much as possible about how car insurance prices are formulated can be of help when making smart choices when selecting a coverage provider.

Honda Accord Crosstour Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $156 $306 $538 $32 $162 $1,194 $100
Accord Crosstour EX-L 2WD $156 $306 $538 $32 $162 $1,194 $100
Accord Crosstour EX-L 4WD $176 $360 $538 $32 $162 $1,268 $106
Accord Crosstour EX-L Navigation 2WD $176 $360 $538 $32 $162 $1,268 $106
Accord Crosstour EX-L Navigation 4WD $176 $360 $538 $32 $162 $1,268 $106
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can affect premium rates significantly.

Higher deductibles save money

When shopping for insurance, a common question is where to set your physical damage deductibles. The comparisons below highlight the differences in price when you choose different physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Honda Accord Crosstour insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $294 $496 $476 $28 $142 $1,461 $122
Accord Crosstour EX-L 2WD $294 $496 $476 $28 $142 $1,461 $122
Accord Crosstour EX-L 4WD $332 $584 $476 $28 $142 $1,587 $132
Accord Crosstour EX-L Navigation 2WD $332 $584 $476 $28 $142 $1,587 $132
Accord Crosstour EX-L Navigation 4WD $332 $584 $476 $28 $142 $1,587 $132
Get Your Own Custom Quote Go
Honda Accord Crosstour insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $182 $312 $476 $28 $142 $1,140 $95
Accord Crosstour EX-L 2WD $182 $312 $476 $28 $142 $1,140 $95
Accord Crosstour EX-L 4WD $206 $368 $476 $28 $142 $1,220 $102
Accord Crosstour EX-L Navigation 2WD $206 $368 $476 $28 $142 $1,220 $102
Accord Crosstour EX-L Navigation 4WD $206 $368 $476 $28 $142 $1,220 $102
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in garaging location in Fort Worth which can increase or decrease premium rates substantially.

Based on this data, using a $250 deductible could cost the average driver approximately $29 more each month or $348 each year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 26 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Honda Accord Crosstour Insurance Costs Can Be Lower

Lots of things are part of the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but some are not as apparent like your vehicle usage or how safe your car is.

Policy add-ons may be wasting money - There are many optional add-on coverages that sound like a good idea at the time if you aren't careful. Coverage for things like rental car coverage, high-cost glass coverage, and motor club memberships may be costing you every month. These coverages may sound good at first, but if you've never needed them in the past remove them from your policy.

Cars with good safety ratings means lower insurance rates - Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce injuries and fewer injuries means lower claim amounts and cheaper rates on your policy.

Prevent coverage lapses - Not having insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage could result in fines or a revoked license.

Do men or women drive better? - Statistics demonstrate females are less aggressive when driving. However, don't assume that males are worse at driving than females. Both sexes are responsible for at-fault accidents at a similar rate, but the men have costlier accidents. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.

The information below shows the comparison of Honda Accord Crosstour auto insurance costs for male and female drivers. The costs are based on no violations or claims, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Save money by having excellent credit - Having a bad credit score can be a huge factor in determining your rates. So if your credit is lower than you'd like, you could pay less to insure your Honda Accord Crosstour if you improve your credit rating. Insureds with high credit scores tend to be less risk to insure than those with poor credit.

Loss statistics for a Honda Accord Crosstour - Insurance companies analyze the history of losses to calculate a price that will offset any claims. Models that the data shows to have increased losses will be charged more to insure.

The table below outlines the historical loss data for Honda Accord Crosstour vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

Insurance Loss Ratings for Honda Accord Crosstour Vehicles
Vehicle 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
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Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years