Compare Honda Accord Crosstour Insurance Quotes in Stockton

Discount Honda Accord Crosstour insuranceA study showed that the majority of drivers have been with the same company for at least four years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. California drivers could cut their rates by roughly $469 a year just by comparing rates, but they underestimate the amount of money they would save if they changed companies.

It takes a little time, but the best way to save money on Honda Accord Crosstour insurance is to start comparing rates regularly from insurance carriers that sell auto insurance in Stockton. Price quotes can be compared by completing these steps.

  1. Read about coverages and the modifications you can make to drop your rates. Many risk factors that result in higher prices like distracted driving and a less-than-favorable credit rating can be amended by making lifestyle changes or driving safer. This article gives more details to find cheap rates and find available discounts that you may qualify for.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for many different companies. Find a Stockton insurance agent
  3. Compare the price quotes to your current policy to see if a cheaper price is available in Stockton. If you find a better price, ensure coverage does not lapse between policies.

A key point to remember is to try to compare identical limits and deductibles on every quote request and and to get rates from every insurance company. This enables a fair rate comparison and the best price quote selection.

Choosing the best rates in Stockton is actually very simple if you learn how to start. In essence, every driver who needs lower cost car insurance most likely will be able to find lower rates. Although California consumers need to learn how big insurance companies market on the web.

When quoting car insurance, remember that obtaining a wide range of quotes will enable you to find lower pricing. Not every company allows you to get online Stockton Accord Crosstour insurance quotes, so you also need to get prices from them, too.

The companies shown below are our best choices to provide free quotes in California. If multiple providers are shown, we recommend you visit two to three different companies in order to get a fair rate comparison.

Discount Stockton auto insurance rates

Companies do not list all their discounts in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find savings tricks you should be using when you buy Stockton auto insurance online.Save money with discounts

Policy discounts save money, but most credits do not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.

The chart below visualizes the comparison of Honda Accord Crosstour car insurance costs with and without discounts applied. The premiums are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, safe-driver, and marriage discounts applied.

Popular auto insurance companies and their possible discounts can be found below.

When getting free Stockton auto insurance quotes, it’s a good idea to each company or agent which discounts they offer. Some discounts listed above might not be offered on policies in Stockton. To choose companies with discount auto insurance rates in Stockton, click here to view.

Honda Accord Crosstour insurance analysis

The premium information displayed below highlights different coverage prices for Honda Accord Crosstour models. Being more informed about how rates are formulated can be useful when making informed decisions.

Honda Accord Crosstour Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $210 $362 $552 $32 $166 $1,322 $110
Accord Crosstour EX-L 2WD $210 $362 $552 $32 $166 $1,322 $110
Accord Crosstour EX-L 4WD $238 $426 $552 $32 $166 $1,414 $118
Accord Crosstour EX-L Navigation 2WD $238 $426 $552 $32 $166 $1,414 $118
Accord Crosstour EX-L Navigation 4WD $238 $426 $552 $32 $166 $1,414 $118
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can influence prices greatly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below summarize the rate difference between high and low policy deductibles. The first rate estimation uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Honda Accord Crosstour insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $342 $576 $552 $32 $166 $1,693 $141
Accord Crosstour EX-L 2WD $342 $576 $552 $32 $166 $1,693 $141
Accord Crosstour EX-L 4WD $386 $678 $552 $32 $166 $1,839 $153
Accord Crosstour EX-L Navigation 2WD $386 $678 $552 $32 $166 $1,839 $153
Accord Crosstour EX-L Navigation 4WD $386 $678 $552 $32 $166 $1,839 $153
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Honda Accord Crosstour insurance policy rates 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
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in your specific Stockton location which can alter price quotes significantly.

Based on these figures, using a $250 deductible would cost the average driver about $18 more each month or $216 each year averaged for all Accord Crosstour models than opting for the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 14 months between claim filings, you would probably save some money if you choose a higher deductible. Here is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $148
Average monthly premium for $500 deductibles (subtract): – $130
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

The illustration below illustrates how choosing a deductible and can raise or lower Honda Accord Crosstour yearly insurance costs for different insured age categories. The rates are based on a married female driver, full coverage, and no discounts are factored in.

What Impacts Honda Accord Crosstour Insurance Premiums?

A large part of saving on insurance is knowing some of the elements that help calculate the rates you pay for insurance. When you understand what impacts premium levels, this allows you to make educated decisions that may reward you with better insurance rates. Lots of things are part of the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but others are more transparent such as your marital status or your commute time.

Improve your credit history and save – Credit history can be a huge factor in determining what you pay for insurance. People that have good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. If your credit history could use some work, you could be paying less to insure your Honda Accord Crosstour by repairing your credit.

Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, air traffic controllers, and stock brokers tend to have higher average rates because of high stress and long work hours. Other professions such as actors, historians and homemakers receive lower rates.

Only buy coverage you need – Insurance policies have a lot of additional extra coverages that may not really be needed on your insurance policy. Coverages for roadside assistance, high-cost glass coverage, and additional equipment coverage could be just wasting money. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.

Teen vs. older drivers – More experienced drivers are more responsible, statistically cause fewer accidents, and are safer drivers. Beginning drivers have a tendency to be easily distracted when driving with friends so insurance rates are higher.

The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Proper usage rating affects prices – The more you drive your Honda in a year’s time the more you’ll pay to insure it. Most insurance companies apply a rate based on how the vehicle is used. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Make sure your declarations sheet is showing the correct usage for each vehicle. Having the wrong rating on your Accord Crosstour can cost quite a bit.

Loss statistics for a Honda Accord Crosstour – Companies analyze historical claim data to calculate a rate that will offset losses. Models that have higher loss trends will have higher rates for specific coverages.

The information below illustrates the historical loss data for Honda Accord Crosstour vehicles. For each coverage category, the claim amount for all vehicles combined as an average is set at 100. Values that are 100 or less represent a good loss history, while numbers above 100 point to more losses or statistically larger losses.

Auto Insurance Loss Data for Honda Accord Crosstour Models
Vehicle 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

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