Best Insurance for a Honda Accord Crosstour in Tampa

How many times have you put off comparing quotes for cheaper auto insurance rates in Tampa, FL? Tampa drivers have lots of choices when trying to find the lowest priced Honda Accord Crosstour insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance and you need to know the proper way to price shop coverage for a new or used Honda and locate the cheapest rates either online or from Tampa insurance agents.

It’s a good habit to price shop coverage at least once a year since prices trend upward over time. Even if you got the best deal on Honda Accord Crosstour insurance in Tampa at your last renewal you can probably find a lower rate today. You can find a lot of information about Accord Crosstour insurance on the internet, but in this article, you’re going to get some guaranteed methods to lower your auto insurance rates in Tampa.

What Impacts Honda Accord Crosstour Insurance Prices?

A large part of saving on auto insurance is knowing a few of the rating criteria that help determine the price you pay for auto insurance. If you understand what determines premiums, this enables you to make decisions that may result in big savings. Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but some are less apparent like your continuous coverage or how safe your car is.

The list below includes a few of the “ingredients” used by your company to calculate rates.

• Infrequent drivers can save – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your Accord Crosstour is throwing money out the window. Double check that your auto insurance policy properly reflects annual mileage, because improper ratings can cost you money.
• High physical damage deductibles reduce premiums – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Honda. Some coverage claims would be a broken side mirror, damage caused by hail, and rolling your vehicle. The deductibles you choose are how much you are required to spend out-of-pocket if the claim is covered. The more money you are required to pay out-of-pocket, the better rate you will receive.

• Pay more for higher performance vehicles – The make and model of the car or truck you need insurance for makes a substantial difference in your premium level. Lower performance four cylinder passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.

  The following data is based on a single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Honda Accord Crosstour insurance premiums compared to other models of vehicles that have different performance rating factors.

• Your career may increase rates – Did you know your career choice can influence rates? Careers like doctors, social workers, and miners are shown to have higher premiums than the average policyholder in part from high stress levels and incredibly demanding work hours. Conversely, jobs like farmers, students and homemakers have the lowest average rates.
• Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Honda Accord Crosstour scored better than four stars on Safercar.gov it is probably cheaper to insure.

• Guys are more aggressive – Statistics have proven that females tend to be a little less risky than males. However, this does not mean females are better drivers. Males and females tend to get into fender benders at a similar rate, but the males have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers have the highest risk to insure so they pay the highest premiums.

  The information below illustrates the comparison of Honda Accord Crosstour premium costs for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

• Honda Accord Crosstour claim data – Auto insurance companies use past loss statistics for each vehicle to calculate a rate that will offset any claims. Models that are shown to have higher loss trends will have higher rates for specific coverages. The next table illustrates the actual insurance loss data for Honda Accord Crosstour vehicles.

  For each policy coverage type, the loss probability for all vehicles compiled together equals 100. Numbers under 100 suggest a positive loss record, while numbers that are greater than 100 indicate frequent claims or statistically larger claims.

  
  

  Auto Insurance Loss Data for Honda Accord Crosstour Models

  Vehicle 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

The following companies have been selected to offer comparison quotes in Tampa, FL. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.

Data for Honda Accord Crosstour insurance

The data table shown next highlights different insurance rates for Honda Accord Crosstour models. Being aware of how insurance policy rates are calculated can help you make decisions on the best policy coverages.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in garaging location in Tampa which can impact rates considerably.

Deductible comparison

One of the most common car insurance questions is where should you set your physical damage deductibles. The following tables can help you visualize the differences in price when you buy lower versus higher physical damage coverage deductibles. The first data table uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can affect coverage rates substantially.

Based on the above data, using a $250 deductible will cost you roughly $17 more each month or $204 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 15 months between claim filings, you would probably save some money if you elect the higher deductible.

The illustration below highlights how deductible choice and can raise or lower Honda Accord Crosstour insurance prices for each age group. The rates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Full coverage versus liability-only in Tampa

The information below shows the comparison of Honda Accord Crosstour car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are factored in.

When to drop full coverage

There is no definitive guideline to eliminate physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Honda Accord Crosstour replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your policy deductible. If you are paying more than $700 annually for physical damage coverage, then it might be time to buy liability only.

There are some cases where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Why car insurance is not optional

Even though Tampa Accord Crosstour insurance rates can get expensive, insurance is required by state law in Florida and it also provides benefits you may not be aware of.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Honda, almost every bank will require you to carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Honda at an extremely high rate and require you to reimburse them for the expensive policy.
• Car insurance protects both your vehicle and your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your Honda as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having car insurance greatly outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $700 annually so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Take advantage of these discounts

Car insurance companies don’t always publicize all discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the more hidden discounts that you may qualify for.

• Early Signing – Select larger companies give a discount for switching policies prior to your current Accord Crosstour insurance policy expiring. This can save 10% or more.
• Federal Government Employee – Active or former government employment could cut as much as 10% off with certain companies.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and will save you 10% or more on Accord Crosstour insurance in Tampa.
• Low Mileage Discounts – Low annual miles can qualify you for better rates on cars that stay parked.
• Resident Student – Kids who attend college more than 100 miles from Tampa and do not have access to a covered vehicle can be insured at a reduced rate.
• Multi-line Discount – If the company offers life insurance, you could get lower premium rates if you buy life insurance from them.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
• Multi-car Discount – Buying a policy with multiple vehicles with the same insurance company could earn a price break for each car.
• Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will reduce your premiums.

The chart below compares Honda Accord Crosstour insurance prices with and without some available policy discounts. The premiums are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, safe-driver, and multi-car discounts applied.

To view providers offering insurance discounts in Tampa, click here.

Exclusive or independent insurance agents

Many drivers still like to buy from a licensed agent and there is nothing wrong with that. Good agents will help you protect your assets and help file insurance claims. A good thing about comparing insurance prices online is that you can obtain lower rates and also buy local. And supporting small agencies is still important in Tampa.

By using this quick form, the coverage information is submitted to local insurance agents in Tampa who will gladly provide quotes to get your business. It makes it easy because there is no need to visit any agencies because quoted prices will be sent to you. If you wish to compare prices from one company in particular, you just need to jump over to their website and give them your coverage information.

Choosing an company requires more thought than just the quoted price. Here are some questions you should ask.

• What insurance company do they write the most business with?
• Do you work with a CSR or direct with the agent?
• Do the coverages you’re quoting properly cover your vehicle?
• What is the financial rating for the quoted company?
• Do they reduce claim amounts on high mileage vehicles?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are they giving you every discount you deserve?
• Is every driver in your family covered?

Ratings for Tampa auto insurance companies

Finding a highly-rated insurance provider can be challenging considering how many choices there are in Tampa. The company rank data in the next section may help you decide which coverage providers you want to consider when comparing rate quotes.

Cover all your bases

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to get a better price on Honda Accord Crosstour insurance in Tampa. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Tampa car insurance quotes. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising.

Insureds leave their current company for any number of reasons including policy non-renewal, denial of a claim, delays in responding to claim requests or lack of trust in their agent. Whatever your reason, switching auto insurance companies is less work than it seems.

How to buy affordable Honda Accord Crosstour insurance in Tampa

The most effective way to get discount Honda Accord Crosstour insurance in Tampa is to make a habit of comparing prices annually from insurance carriers who sell auto insurance in Florida. You can compare prices by following these guidelines.

First, try to learn about how insurance works and the measures you can take to prevent expensive coverage. Many policy risk factors that cause rate increases such as traffic violations, accidents, and a not-so-good credit score can be remedied by improving your driving habits or financial responsibility.

Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies. Compare rates

Third, compare the price quotes to your current policy premium and determine if there is any savings. If you find a better price and buy the policy, ensure coverage does not lapse between policies.

Fourth, give notification to your agent or company of your decision to cancel your current car insurance policy. Submit payment and a completed application to the new insurer. Be sure to store the proof of insurance certificate along with your vehicle registration.

A valuable tip to remember is to compare identical deductibles and limits on every price quote and and to get rate quotes from as many carriers as you can. This provides a fair rate comparison and a complete price analysis.

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