Honda Accord Crosstour Insurance Rates in Toledo

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Discount Honda Accord Crosstour insuranceTrying to find better insurance prices for a Honda Accord Crosstour in Ohio can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance and you need to know the absolute fastest way to get price quotes for a new or used Honda and get the best price possible either online or from Toledo insurance agents.

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Just because you had the best rate on Honda Accord Crosstour insurance in Toledo a few years ago you may be paying too much now. Block out anything you think you know about insurance because you're going to learn the only way to remove unneeded coverages and save money.

Most larger insurance companies such as Progressive, Allstate and GEICO allow you to get pricing direct online. Comparing Honda Accord Crosstour insurance rates online doesn't take a lot of time because you just enter the amount of coverage you want as detailed in the form. After the form is submitted, the company's rating system will obtain your driving and credit reports and quotes a price based on the information you submitted.

Using the web to get quotes for Honda Accord Crosstour insurance in Toledo simplifies rate comparisons, and it's very important to do this in order to find the lowest payment possible.

If you want to compare rates using this form now, check out the car insurance providers below. If you have a policy now, it's recommended you replicate the coverage information identical to your current policy. Using the same limits helps guarantee you will have a price comparison for the exact same coverage.

The auto insurance companies shown below provide free quotes in Ohio. To find cheap auto insurance in Toledo, we recommend you get price quotes from several of them to get a more complete price comparison.

Don't overlook these Honda Accord Crosstour insurance discounts

Auto insurance companies do not list all possible discounts in a way that's easy to find, so the following list contains some of the more common and also the more inconspicuous credits available to you. If you don't get every credit possible, you are not getting the best rate possible.Save money with discounts

  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower insurance rates.
  • Payment Discounts - By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
  • Accident Waiver - This one isn't a discount, but certain companies will forgive one accident without the usual rate increase if you are claim-free before the accident.
  • Anti-lock Brake Discount - Cars equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Seat Belt Discounts - Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Driver's Ed - Reduce the cost of insurance for teen drivers by having them take driver's ed class in school.
  • Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Discount for Passive Restraints - Options like air bags can qualify for discounts of 25 to 30%.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, that's just not realistic.

The diagram below visualizes the comparison of Honda Accord Crosstour auto insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no violations or claims, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, safe-driver, and marriage discounts applied.

Popular insurance companies and some of their more popular discounts are detailed below.

  • State Farm includes discounts for multiple autos, anti-theft, safe vehicle, multiple policy, accident-free, and driver's education.
  • Farmers Insurance offers discounts for alternative fuel, switch companies, bundle discounts, youthful driver, and teen driver.
  • Progressive policyholders can earn discounts including continuous coverage, good student, online quote discount, multi-policy, and online signing.
  • GEICO may include discounts for military active duty, air bags, five-year accident-free, multi-policy, and federal employee.
  • Auto-Owners Insurance discounts include safe driver, air bags, anti-lock brakes, paid in full, group or association, good student, and company car.
  • The Hartford has discounts for anti-theft, good student, vehicle fuel type, defensive driver, and driver training.
  • Farm Bureau offers premium reductions for good student, driver training, multi-policy, 55 and retired, renewal discount, and safe driver.
  • USAA may offer discounts for driver training, military installation, good student, safe driver, loyalty savings, and family discount.

When getting a coverage quote, ask each company what discounts are available to you. A few discounts may not be available in your state. To see a list of insurance companies who offer discounts in Toledo, click this link.

Honda Accord Crosstour coverage analysis

The price information displayed below highlights different insurance policy prices for Honda Accord Crosstour models. Knowing how auto insurance premiums are established can be valuable when making smart choices when buying a policy.

Honda Accord Crosstour Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $136 $252 $272 $16 $82 $758 $63
Accord Crosstour EX-L 2WD $136 $252 $272 $16 $82 $758 $63
Accord Crosstour EX-L 4WD $154 $296 $272 $16 $82 $820 $68
Accord Crosstour EX-L Navigation 2WD $154 $296 $272 $16 $82 $820 $68
Accord Crosstour EX-L Navigation 4WD $154 $296 $272 $16 $82 $820 $68
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in Toledo location which can impact rates substantially.

Policy deductibles

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The premium rates below show the price difference of buying low and high deductibles. The first table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Honda Accord Crosstour insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $196 $352 $284 $16 $84 $957 $80
Accord Crosstour EX-L 2WD $196 $352 $284 $16 $84 $957 $80
Accord Crosstour EX-L 4WD $220 $416 $284 $16 $84 $1,045 $87
Accord Crosstour EX-L Navigation 2WD $220 $416 $284 $16 $84 $1,045 $87
Accord Crosstour EX-L Navigation 4WD $220 $416 $284 $16 $84 $1,045 $87
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Honda Accord Crosstour insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $108 $186 $284 $16 $84 $678 $57
Accord Crosstour EX-L 2WD $108 $186 $284 $16 $84 $678 $57
Accord Crosstour EX-L 4WD $122 $220 $284 $16 $84 $726 $61
Accord Crosstour EX-L Navigation 2WD $122 $220 $284 $16 $84 $726 $61
Accord Crosstour EX-L Navigation 4WD $122 $220 $284 $16 $84 $726 $61
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in Toledo location which can raise or lower coverage prices greatly.

Based on the above data, using a $100 deductible will cost you roughly $25 more each month or $300 annually than requesting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 36 months between claim filings, you would most likely save money if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $84
Average monthly premium for $1,000 deductibles (subtract): - $59
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You will want to have some extra savings in order to pay the deductible for vehicle repair.

The information below illustrates how choosing a deductible and can influence Honda Accord Crosstour insurance rates for different categories of driver ages. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.

Does it make sense to buy full coverage?

The information below shows the comparison of Honda Accord Crosstour insurance premiums when comparing full coverage to liability only. The premiums assume no claims or driving citations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop comp and collision

There is no specific rule of when to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Honda Accord Crosstour replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Get Cheap Insurance Prices by Understanding These Factors

A large part of saving on insurance is knowing the factors that help calculate your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower insurance prices. Many different elements are part of the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but some are more obscure like your vehicle usage or how safe your car is.

Insurance rates for married couples - Having a spouse can actually save you money on your insurance bill. Marriage usually means you are more responsible and it's statistically proven that married drivers tend to file fewer claims.

Extra policy coverages you don't use - There are a ton of extra bells and whistles that may not really be needed if you aren't diligent. Coverages for coverage for rental cars, better glass coverage, and membership fees may be costing you every month. The coverages may be enticing when you first buy your policy, but now you might not need them so remove them from your policy.

Low deductibles cost more - Physical damage insurance, aka comp and collision, helps pay for damage to your vehicle. Some coverage claims would be collision with another vehicle, damage from fire, and having your car stolen. Your deductibles tell how much you are required to spend in the event of a claim. The more of the claim you're willing to pay, the bigger discount you will receive.

Save mileage and save money - Driving more miles every year the more it will cost to insure it. The majority of insurers calculate rates based upon how the vehicle is primarily used. Autos left parked in the garage can get a lower rate than those that get driven frequently. It's a good idea to make sure your insurance coverage correctly shows the correct driver usage, because it can save money. Having an incorrect usage rating on your Accord Crosstour can cost quite a bit.

Insurance loss data for Honda Accord Crosstour vehicles - Companies take into consideration historical loss data for every vehicle when determining insurance costs. Models that the data shows to have high amounts or severity of claims will cost more to insure. The information below illustrates the loss history for Honda Accord Crosstour vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers shown that are under 100 suggest a better than average loss history, while values over 100 point to more frequent losses or a tendency for claims to be larger.

Honda Accord Crosstour Insurance Claim Statistics
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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Exclusive or independent insurance agents

A lot of people prefer to get professional advice from a licensed agent and that can be a great decision Insurance agents can help you build your policy and help you file claims. One of the great benefits of comparing rate quotes online is that drivers can save money and get lower premium rates and still have an agent to talk to. Buying insurance from local insurance agents is important particularly in Toledo.

After completing this simple form, your insurance coverage information is sent to insurance agents in Toledo who will give competitive quotes for your business. It makes it easy because there is no need to drive around because prices are sent directly to your email. If you wish to compare prices from a particular provider, you would need to visit that company's website and submit a quote form there.

Toledo car insurance agents come in two flavors

If you want a local Toledo insurance agency, there are two different agency structures and how they can write your policy. Insurance policy providers can be classified as either independent (non-exclusive) or exclusive. Either can sell affordable insurance policies, but it is important to understand how they differ because it can influence the kind of agent you use.

Independent Insurance Agents

These type of agents do not sell for just one brand so they can insure your vehicles amongst many companies and find the cheapest rate. If you are not satisfied with one company, your policy is moved internally and you won't have to switch agencies.

If you need lower rates, we recommend you get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most also write with mutual insurance companies that many times have cheaper rates.

Below is a list of independent insurance agents in Toledo that can give you competitive price quotes.

More Toledo agents

Exclusive Insurance Agents

Exclusive agencies work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained on their company's products and that can be a competitive advantage. Some people will only purchase coverage from exclusives primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below are Toledo exclusive insurance agents who can help you get price quotes.

More Toledo agents

Finding the right car insurance agent shouldn't rely on just the price. These questions are important to ask:

  • How much can you save by raising your physical damage deductibles?
  • Do they regularly work with personal auto policies in Toledo?
  • How much experience to they have in personal lines coverages?
  • If independent agents, which companies do they recommend?
  • Are they giving you every discount you deserve?
  • How often do they review policy coverages?
  • Is the agent properly licensed in Ohio?
  • Is assistance available after office hours?

Get the best coverage at the most affordable price

We just covered quite a bit of information on how to save on Honda Accord Crosstour insurance in Toledo. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding inexpensive Toledo auto insurance quotes. Consumers may even find the lowest prices come from a lesser-known regional company.

Cost effective Honda Accord Crosstour insurance is available from both online companies as well as from independent agents in Toledo, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer online rate quotes and these regional insurance providers prefer to sell through independent agents.

Consumers switch companies for many reasons like high prices, being labeled a high risk driver, not issuing a premium refund or unfair underwriting practices. Regardless of your reason, switching car insurance companies can be easier than you think.

How to find low-cost Honda Accord Crosstour insurance in Toledo

It takes a few minutes, but the best way to save on Honda Accord Crosstour insurance is to start doing a yearly price comparison from providers who provide car insurance in Toledo.

  1. Get a basic knowledge of what is in your policy and the steps you can take to lower rates. Many factors that increase rates like speeding and a not-so-good credit rating can be rectified by paying attention to minor details.
  2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
  3. Compare the quotes to your existing coverage and determine if cheaper Accord Crosstour coverage is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.

A good tip to remember is to use the same coverage limits and deductibles on each price quote and and to get price estimates from as many companies as possible. Doing this enables an accurate price comparison and a thorough selection of prices.

To learn more, take a look at the resources below: