Cheapest Honda Accord Crosstour Insurance in El Paso

Anyone knows that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for better prices will, in all likelihood, switch to a new company because of the good chance of finding lower rate quotes. A recent survey found that people who regularly compared rates saved an average of $865 a year compared to those who never compared rates.

If finding the lowest price for insurance is your goal, then having some insight into how to shop and compare coverage rates can help simplify the task of finding more affordable coverage.

Truthfully, the best way to get the cheapest Honda Accord Crosstour insurance in El Paso is to make a habit of comparing prices annually from insurance carriers in Texas. You can compare rates by following these guidelines.

First, read and learn about car insurance and the modifications you can make to keep rates low. Many rating criteria that are responsible for high rates such as inattentive driving and a poor credit rating can be remedied by making minor changes in your lifestyle. Keep reading for additional tips to keep prices down and get bigger discounts.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes from many different companies.

Third, compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and buy the policy, make sure there is no coverage gap between policies.

Fourth, notify your agent or company of your intent to cancel your existing policy and submit payment along with a signed and completed policy application to your new company or agent. As soon as you have the new policy, place the new certificate of insurance in an easily accessible location in your vehicle.

One bit of advice is to compare identical coverage information on every quote request and and to get prices from as many companies as feasibly possible. Doing this ensures an accurate price comparison and a complete selection of prices.

Many insurance companies give coverage price quotes on their websites. Getting online rates for Honda Accord Crosstour insurance in El Paso is quite simple because you just enter the coverages you want into a form. After you complete the form, the company’s rating system obtains credit information and your driving record and gives you a price quote based on these factors. Getting online price quotes for Honda Accord Crosstour insurance in El Paso makes comparing rates easy, and it is important to perform this step in order to find cheap rates.

To get comparison pricing now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you input the coverage information just like they are on your policy. This helps ensure you will be getting rate quotes using the same coverage and limits.

The providers in the list below have been selected to offer comparison quotes in El Paso, TX. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.

Save a ton with discounts

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the list below gives a summary of some of the more common and the harder-to-find credits that you can use to lower your rates. If you don’t get every credit possible, you could be paying more than you need to.

• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Driver Training Discounts – Taking part in a defensive driving class could possibly earn you a 5% discount and make you a better driver.
• Claim-Free Discount – Insureds with no claims or accidents can earn big discounts as opposed to drivers who are more careless.
• Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn cheaper rates.
• Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off depending on your insurance provider.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Good Students Pay Less – Getting good grades may save as much as 25% on a El Paso auto insurance quote. The good student discount can last well after school through age 25.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.

The illustration below visualizes the comparison of Honda Accord Crosstour insurance costs with and without some available policy discounts. Data assumes a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, multi-car, and marriage discounts applied.

Large insurance companies and some of the premium reductions they offer include:

• Progressive may include discounts for multi-vehicle, multi-policy, good student, online quote discount, and homeowner.
• Farmers Insurance offers discounts for mature driver, multi-car, bundle discounts, alternative fuel, and business and professional.
• Farm Bureau discounts include good student, youthful driver, renewal discount, 55 and retired, and multi-vehicle.
• State Farm offers premium reductions for anti-theft, driver’s education, student away at school, good student, and accident-free.
• GEICO may offer discounts for defensive driver, multi-policy, five-year accident-free, air bags, daytime running lights, federal employee, and seat belt use.
• SAFECO may have discounts that include teen safe driver, drive less, safe driver, bundle discounts, anti-lock brakes, and multi-car.
• Liberty Mutual policyholders can earn discounts including safety features, newly retired, multi-policy, teen driver discount, newly married, preferred payment discount, and multi-car.

If you need lower rates, check with each company what discounts are available to you. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of insurers that can offer you the previously mentioned discounts in El Paso, follow this link.

Premium rates and analysis

The table shown below showcases estimates of insurance rates for Honda Accord Crosstour models. Having knowledge of how auto insurance premiums are established can benefit drivers when making decisions when shopping around.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can revise prices substantially.

Higher deductibles lower rates

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The tables below can help illustrate the rate differences when you select higher and lower coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific location information which can affect prices substantially.

Based on the figures above, using a $100 deductible will cost you about $41 more each month or $492 a year averaged for all Accord Crosstour models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 22 months between claim filings, you would probably save some money by selecting a higher deductible. Here’s how you can perform this determination yourself.

One thing to be aware of is that a higher deductible means you will have to pay more at claim time. That will force you to have some money saved in the event you have to pay the higher deductible in order to repair your vehicle.

Smart Buyers Can Cut Insurance Costs

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that play a part in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower auto insurance prices. Lots of factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure like where you live and annual miles driven.

Shown below are some of the most rate-impacting factors companies use to determine your rate level.

• Drive lots and pay more – The higher the miles on your Honda annually the higher your rate. The majority of insurers calculate rates partially by how you use the vehicle. Vehicles that have low annual miles receive lower rates than those that get driven frequently. Verify your declarations sheet properly reflects the correct driver usage, because it can save money. Improper usage on your Accord Crosstour may be costing you higher rates.
• Liability coverage – Liability insurance is the protection when you are determined to be liable for causing personal injury or damage in an accident. It will provide for a legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

• Are females or males drivers cheaper? – Over time, data shows that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Women and men have fender benders at a similar rate, but the males have costlier accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are several times more likely to be in an accident so it costs more to insure them.

  The diagram below illustrates the comparison of Honda Accord Crosstour insurance prices for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

• Use but don’t abuse your insurance – Companies in Texas generally give the best rates to insureds who file claims infrequently. If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for major claims that would cause financial hardship.
• Get hitched and pay lower rates – Having a wife or husband helps lower the price on auto insurance. Having a significant other translates into being more stable financially and it’s statistically proven that married drivers get in fewer accidents.
• Responsible credit saves on auto insurance – Having a good credit rating will be a significant factor in determining what you pay for auto insurance. Insureds with good credit tend to file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating can be improved, you could pay less to insure your Honda Accord Crosstour by improving your rating.

• Avoid tickets and save – Careful drivers have lower premiums than their less careful counterparts. Only having one moving violation can bump up the cost by as much as twenty percent. Drivers unfortunate enough to have severe violations like DUI or reckless driving are required to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

  The chart below illustrates how violations and accident claims can drive up Honda Accord Crosstour insurance prices for each age group. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

• Honda Accord Crosstour insurance loss data – Insurance companies use past insurance losses when setting rates for each model. Models that tend to have higher claim amounts or frequency will have higher premium rates.

  The information below illustrates the insurance loss data for Honda Accord Crosstour vehicles. For each type of coverage, the claim probability for all vehicles as a whole is a value of 100. Values that are under 100 suggest a better than average loss history, while numbers above 100 indicate frequent claims or an increased chance of a larger loss.

  
  

  Auto Insurance Loss Data for Honda Accord Crosstour Models

  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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance quotes from local neighborhood El Paso car insurance agents

Many drivers would prefer to have an agent’s advice and that is a smart decision Professional agents can help you choose the best coverages and help file insurance claims. An additional benefit of comparing rates online is you can get cheap rate quotes and also buy local. Buying from neighborhood insurance agencies is important especially in El Paso.

After completing this form (opens in new window), your coverage information is submitted to local insurance agents who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to your email. In the event you want to quote rates from a specific company, just navigate to their website to submit a rate quote request.

Finding the right company is decision based upon more than just a low price. These are some valid questions you should ask.

• Are aftermarket or OEM parts used to repair vehicles?
• What are the financial ratings for the companies they represent?
• What are their preferred companies if they are an independent agency?
• Are claims handled at the agent’s location?
• Which insurance companies are they affiliated with?
• Do the agents have professional certifications like CPCU or CIC?
• Are there any discounts that you might be missing?
• Do they carry Errors and Omissions coverage?

In the end, you can save money

When you buy El Paso auto insurance online, it’s not a good idea to buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

In this article, we covered a lot of ways to find lower-cost Honda Accord Crosstour insurance in El Paso. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive El Paso auto insurance quotes. Consumers could even find that the most savings is with a lesser-known regional company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

More detailed auto insurance information can be read in these articles:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Safety Belts FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Institute)
• Medical Payments Coverage (Liberty Mutual)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)