Cheapest Honda Accord Crosstour Insurance in Fresno

It’s an obvious assumption that auto insurance companies don’t want you to look for a cheaper policy. Insureds who get price comparisons will probably move their business because there is a good probability of finding lower rate quotes. A recent survey found that people who made a habit of comparing rates saved on average $850 each year compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest price on Honda Accord Crosstour insurance in Fresno is your objective, understanding how to compare coverage rates can help simplify the process.

Insurance quote for Honda Accord Crosstour in FresnoThe best way we recommend to find cheaper prices for Honda Accord Crosstour insurance in Fresno is to compare prices once a year from providers who sell auto insurance in California. Rates can be compared by completing these steps.

First, learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many rating factors that cause high rates such as inattentive driving and a less-than-favorable credit score can be eliminated by making minor changes to your lifestyle. Read the full article for tips to help keep rates affordable and get additional discounts that may be available.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers. Click to view companies

Third, compare the quotes to your existing rates to see if cheaper Accord Crosstour coverage is available in Fresno. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.

Fourth, provide notification to your current company to cancel your current car insurance policy and submit the required down payment along with the signed application for your new coverage. As soon as you can, place your new certificate verifying proof of insurance in an easily accessible location.

One piece of advice is that you’ll want to compare the same coverage limits and deductibles on each price quote and and to get quotes from every insurance company. This provides a fair price comparison and the best price selection.

Finding a lower price on Honda Accord Crosstour insurance is not a difficult process. Drivers just need to take a few minutes comparing free Fresno auto insurance quotes to find out which insurance company has the cheapest Honda Accord Crosstour rate quotes.

Getting rate quotes online is very simple and it makes it a waste of time to make phone calls or go to insurance agents’ offices. Comparing online rate quotes eliminates the middleman unless you prefer the trained guidance of a local agency. Although you can comparison shop your insurance online but buy the policy through an agent.

The companies shown below have been selected to offer price quotes in California. If you want to find cheap auto insurance in CA, it’s a good idea that you visit two to three different companies to get the most affordable price.

Honda Accord Crosstour detailed coverage information

The data table shown below highlights estimates of insurance rates for Honda Accord Crosstour models. Having a better idea how rate quotes are figured can assist in making decisions when shopping your coverage around.

Honda Accord Crosstour Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $310 $530 $568 $34 $170 $1,612 $134
Accord Crosstour EX-L 2WD $310 $530 $568 $34 $170 $1,612 $134
Accord Crosstour EX-L 4WD $350 $624 $568 $34 $170 $1,746 $146
Accord Crosstour EX-L Navigation 2WD $350 $624 $568 $34 $170 $1,746 $146
Accord Crosstour EX-L Navigation 4WD $350 $624 $568 $34 $170 $1,746 $146
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can increase or decrease insurance rates greatly.

Can higher deductibles save money?

One of the most common auto insurance questions is how high should the physical damage deductibles be. The following tables summarize the differences in price when you select higher and lower deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Honda Accord Crosstour insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $380 $686 $552 $32 $166 $1,841 $153
Accord Crosstour EX-L 2WD $380 $686 $552 $32 $166 $1,841 $153
Accord Crosstour EX-L 4WD $430 $810 $552 $32 $166 $2,015 $168
Accord Crosstour EX-L Navigation 2WD $430 $810 $552 $32 $166 $2,015 $168
Accord Crosstour EX-L Navigation 4WD $430 $810 $552 $32 $166 $2,015 $168
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Honda Accord Crosstour insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $278 $464 $552 $32 $166 $1,492 $124
Accord Crosstour EX-L 2WD $278 $464 $552 $32 $166 $1,492 $124
Accord Crosstour EX-L 4WD $314 $546 $552 $32 $166 $1,610 $134
Accord Crosstour EX-L Navigation 2WD $314 $546 $552 $32 $166 $1,610 $134
Accord Crosstour EX-L Navigation 4WD $314 $546 $552 $32 $166 $1,610 $134
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise prices considerably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $32 more each month or $384 every year than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The numbers below show a better example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $162
Average monthly premium for $500 deductibles (subtract): – $130
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important thing to remember is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You must have some extra funds in the event you need to pay the higher deductible in order to repair your vehicle.

The diagram below highlights how deductible choice and can affect Honda Accord Crosstour annual premium costs for different age groups. The premium estimates are based on a married male driver, comp and collision included, and no discounts are factored in.

Full coverage or liability only

The information below compares Honda Accord Crosstour auto insurance rates with and without full coverage. The data assumes no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut rule of when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Honda Accord Crosstour claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If you are paying more than $500 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where buying only liability insurance is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Educated Choices Result in Lower Insurance Costs

Many things are considered when pricing auto insurance. Some are obvious like an MVR report, although others are not quite as obvious like where you live or your vehicle rating. Smart consumers have a good feel for the rating factors that help determine the level of your policy premiums. When you understand what determines base rates, this enables informed choices that can help you get lower insurance prices.

Get better rates if married – Having a wife or husband can get you a discount on your insurance policy. Marriage translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.

Lower rates by increasing deductibles – The deductibles represent how much money you are required to spend if a claim is determined to be covered. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage from fire, and damage caused by road hazards. The larger the amount the insured is willing to pay, the bigger discount you will receive.

Pay more by driving carelessly – How you drive has a big impact on rates. Just one chargeable violation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers get better prices compared to drivers with tickets. People who have serious violations such as hit and run, DWI or reckless driving convictions may find they need to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

The example below shows how speeding tickets and fender-benders drive up Honda Accord Crosstour insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Better rates on vehicles with better crash test results – Vehicles that have high safety ratings cost less to insure. Safer cars reduce occupant injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you. If your Honda Accord Crosstour has ratings of a minimum four stars on it may be receiving lower rates.

Better premiums for uninterrupted coverage – Letting your insurance expire will be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a revoked license or a big fine. You may need to file a SR-22 with the California motor vehicle department to get your license reinstated.

Only buy extra policy coverages you need – There are many extra coverages you can purchase if you aren’t diligent. Things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships may be wasting your money. You may think they are a good idea when you first buy your policy, but if you don’t need them think about removing them and cutting costs.

Don’t skimp on liability insurance – The liability coverage on your policy is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to comp and collision, so buy as much as you can afford.

Pleasure use or commuting – The more you drive every year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Accord Crosstour is just wasting money. It’s a good idea to make sure your insurance policy reflects the correct usage for each vehicle, because it can save money.

Honda Accord Crosstour claim probability – Companies factor in insurance loss information to help determine the price you pay. Vehicles that the data determines to have higher frequency or amount of claims will cost more for specific coverages. The table shown below demonstrates the historical insurance loss data for Honda Accord Crosstour vehicles.

For each coverage category, the claim probability for all vehicles combined as an average equals 100. Percentages below 100 mean the vehicle has better than average losses, while percentage values above 100 point to more frequent losses or tendency to have larger claims.

Insurance Loss Ratings for Honda Accord Crosstour Vehicles
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

Protect your Accord Crosstour and other assets

Even though it can be expensive, maintaining insurance serves several important purposes.

The benefits of insuring your Accord Crosstour are without a doubt worth the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so it’s very important to do a rate comparison every year to ensure rates are inline.

Best car insurance in Fresno

Picking the highest-rated auto insurance provider can be challenging considering how many companies provide coverage in California. The rank data shown below could help you pick which providers to look at comparing rates with.

Top 10 Fresno Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive