Best Insurance for a Honda Accord Crosstour in Tampa

Insurance rates Honda Accord Crosstour in TampaHow 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.

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.

Honda Accord Crosstour Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $410 $648 $684 $40 $204 $1,986 $166
Accord Crosstour EX-L 2WD $410 $648 $684 $40 $204 $1,986 $166
Accord Crosstour EX-L 4WD $462 $764 $684 $40 $204 $2,154 $180
Accord Crosstour EX-L Navigation 2WD $462 $764 $684 $40 $204 $2,154 $180
Accord Crosstour EX-L Navigation 4WD $462 $764 $684 $40 $204 $2,154 $180
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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.

Honda Accord Crosstour insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $322 $544 $522 $30 $156 $1,599 $133
Accord Crosstour EX-L 2WD $322 $544 $522 $30 $156 $1,599 $133
Accord Crosstour EX-L 4WD $364 $640 $522 $30 $156 $1,737 $145
Accord Crosstour EX-L Navigation 2WD $364 $640 $522 $30 $156 $1,737 $145
Accord Crosstour EX-L Navigation 4WD $364 $640 $522 $30 $156 $1,737 $145
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Honda Accord Crosstour insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $262 $438 $522 $30 $156 $1,408 $117
Accord Crosstour EX-L 2WD $262 $438 $522 $30 $156 $1,408 $117
Accord Crosstour EX-L 4WD $296 $516 $522 $30 $156 $1,520 $127
Accord Crosstour EX-L Navigation 2WD $296 $516 $522 $30 $156 $1,520 $127
Accord Crosstour EX-L Navigation 4WD $296 $516 $522 $30 $156 $1,520 $127
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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.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $140
Average monthly premium for $500 deductibles (subtract): – $123
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

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.

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.Cheaper insurance with discounts

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.

Insurance agency in TampaBy 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.

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.

Top Auto Insurance Companies in Tampa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

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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