Car Insurance Quotes for a Honda Accord Crosstour in Sacramento

Insurance quote for Honda Accord Crosstour in SacramentoAre you searching for low-cost Honda Accord Crosstour insurance in Sacramento? Are you a victim of an expensive car insurance policy? Don’t feel bad because there are many Sacramento drivers thinking the same thing.

We don’t have to tell you that car insurance companies don’t want their policyholders to compare prices. Insureds who compare rates once a year will probably buy a new policy because they have a good chance of finding a policy with more affordable rates. A recent survey discovered that people who compared rates annually saved about $865 annually compared to other drivers who never shopped around for better prices.

If finding the cheapest price on Honda Accord Crosstour insurance is the reason you’re reading this, understanding how to get price quotes and compare insurance premiums can save time, money, and frustration. Consumers have many insurers to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to find the best rates for Honda Accord Crosstour insurance in Sacramento.

You should take the time to do price comparisons yearly due to the fact that insurance rates tend to go up over time. Just because you found the best rate on Honda Accord Crosstour insurance in Sacramento two years ago a different company probably has better prices today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

Buying the cheapest insurance in Sacramento is much easier if you know where to start. If you have a policy now or just want a better rate, use these cost-cutting techniques to find better prices without sacrificing coverage. Shoppers just have to understand the proper methods to buy insurance from many different companies online.

Reducing your insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer to compare rate quotes to discover which company has low cost Sacramento auto insurance quotes.

It’s so fast and easy to compare price quotes online that it takes the place of having to make phone calls or go to insurance agencies in your area. Quoting and buying Honda Accord Crosstour insurance online eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. Some companies do allow you to comparison shop your insurance online but still have the advice of a local agent.

The auto insurance companies shown below can provide price quotes in Sacramento, CA. In order to find the best cheap car insurance in Sacramento, we recommend you compare several of them to get the best price comparison.

Discount Sacramento car insurance quotes

Some insurance providers don’t list every discount in a way that’s easy to find, so the next list breaks down both the well known as well as some of the hidden credits available to bring down your rates. If you don’t get every credit you qualify for, you are paying more than you should be.Save money with discounts

A quick disclaimer, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

The chart below compares Honda Accord Crosstour premium costs with and without discounts. The data assumes a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, 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, safe-driver, claim-free, marriage, and homeowner discounts applied.

To view insurance companies that can offer you the previously mentioned discounts in Sacramento, follow this link.

Honda Accord Crosstour coverage statistics

The information displayed next showcases detailed analysis of coverage costs for Honda Accord Crosstour models. Having a better understanding of how insurance quotes are established is important to be able to make informed decisions when comparing rates.

Honda Accord Crosstour Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $422 $844 $746 $44 $224 $2,280 $190
Accord Crosstour EX-L 2WD $422 $844 $746 $44 $224 $2,280 $190
Accord Crosstour EX-L 4WD $476 $996 $746 $44 $224 $2,486 $207
Accord Crosstour EX-L Navigation 2WD $476 $996 $746 $44 $224 $2,486 $207
Accord Crosstour EX-L Navigation 4WD $476 $996 $746 $44 $224 $2,486 $207
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in specific location which can lower or raise insurance rates noticeably.

Car insurance deductibles

A question often asked by Sacramento drivers is where should you set your physical damage deductibles. The data tables below may help to illustrate the price difference between low and high insurance deductibles. The first pricing table uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Honda Accord Crosstour insurance premium estimates 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 premium estimates 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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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in vehicle garaging location which can impact rates significantly.

Based on these figures, using a $250 deductible could cost the average driver approximately $18 more each month or $216 annually averaged for all Accord Crosstour models than buying the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 14 months between claims, you would probably come out ahead if you choose the higher deductible. Below is the way you can come to your own conclusion.

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

One important caveat is that increasing deductibles to save money means you will have to pay more at claim time. You need to have enough money stashed away in order to pay more for the deductible.

The illustration below shows how different deductible levels and can influence Honda Accord Crosstour insurance prices for each age group. The premium estimates are based on a single male driver, full coverage, and no discounts are applied.

Rate comparison of full coverage and liability-only

The chart below compares Honda Accord Crosstour insurance prices with full coverage and liability only. Data assumes no accidents, no driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

When to drop comprehensive and collision

There is no clear-cut formula to stop buying physical damage coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Honda Accord Crosstour book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Learn How to Lower Your Insurance Premiums

It’s important that you understand the rating factors that help calculate car insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The list below includes some of the major factors car insurance companies consider when setting premiums.

An active insurance claims history can cost you – If you frequently file small claims, don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies in California give discounts to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.

Single vs. married – Being married can actually save you money on your car insurance bill. Having a significant other is viewed as being more mature and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Buy as much liability as you can afford – Liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.

Better premiums on cars with good safety ratings – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce the chance of injuries and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Honda Accord Crosstour is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Rates increase with driving citations – Your driving citation history has a huge affect on how much you pay. Only having one citation can increase rates forty percent or more. Attentive drivers get better prices as compared to those with violations. People who have severe tickets such as DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive a vehicle.

The illustration below illustrates how traffic citations and at-fault claims can raise Honda Accord Crosstour insurance costs for different insured age categories. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Women tend to take less risk – The statistics show women are more cautious behind the wheel. This data doesn’t prove that women are better drivers. Men and women cause accidents at a similar rate, but men get into accidents with more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage and thus pay the highest rates.

The illustration below visualizes the comparison of Honda Accord Crosstour insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no discounts are factored in.

Loss statistics for a Honda Accord Crosstour – Insurers use data from past claims to calculate a rate that will offset losses. Models that historically have a trend towards higher claim severity or frequency will cost more to insure.

The next table illustrates the actual insurance loss data for Honda Accord Crosstour vehicles. For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Numbers under 100 imply a favorable loss record, while percentage values above 100 indicate frequent claims or an increased chance of larger losses than average.

Auto Insurance Loss Data for Honda Accord Crosstour Models
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