Save Money on Honda Accord Crosstour Insurance in Louisville

Insurance quote for Honda Accord Crosstour in LouisvilleIf you’re shopping for lower-priced insurance on the web, are you frustrated by the dozens of car insurance choices in your area? Many other drivers are too. Kentucky people have so many choices that it can easily turn into a burden to find lower rates on Honda Accord Crosstour insurance. Louisville is an awesome place to live, but budgeting for expensive car insurance can make it very difficult to be able to afford adequate car insurance coverage limits.

It’s an obvious conclusion that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop for lower rates will presumably switch car insurance companies because there is a great chance of finding more affordable rates. A recent survey revealed that drivers who compared rates once a year saved approximately $865 annually as compared to drivers who never compared rates.

If finding the cheapest rates on insurance is your intention, then learning a little about the best way to compare coverage rates can help make the process easier.

You should take the time to compare rates quite often since insurance prices change frequently. Even if you think you had the best quotes on Honda Accord Crosstour insurance in Louisville last year you can probably find a lower rate today. There is a lot of bad advice regarding Accord Crosstour insurance on the internet, but by reading this article, you’re going to learn some proven techniques to quit paying high car insurance rates in Louisville.

Louisville insurance discounts for a Honda Accord Crosstour

Car insurance is not cheap nor is it fun to buy but there could be significant discounts that can dramatically reduce your bill. Certain credits will be shown at the time of quoting, but a few must be asked for before being credited.

Remember that most credits do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.

The chart below shows the comparison of Honda Accord Crosstour annual premium costs with and without some available policy discounts. The data assumes a male driver, no claims or driving citations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, multi-car, and claim-free discounts applied.

A list of car insurance companies and a partial list of their discounts can be found below.

When comparing rates, check with all the companies how many discounts you can get. Some discounts listed above might not apply in your area. To find car insurance companies with discount rates in Kentucky, click this link.

All the larger auto insurance companies like State Farm, GEICO and Progressive allow consumers to get prices directly from their websites. Getting online quotes for Honda Accord Crosstour insurance in Louisville is possible for anyone as you simply enter your coverage information into a form. After you submit the form the quote system requests your driving record and credit report and gives you a price quote based on these and other factors.

Using the web to get quotes for Honda Accord Crosstour insurance in Louisville streamlines rate comparisons, and it’s absolutely necessary to get many rate quotes in order to get a better rate.

To quickly fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended you input your coverages as shown on your current policy. This helps ensure you’re receiving a rate comparison for the exact same coverage.

The companies in the list below provide price quotes in Louisville, KY. To buy the cheapest auto insurance in Louisville, it’s a good idea that you visit several of them to get a more complete price comparison.

Facts and figures for Honda Accord Crosstour insurance

The coverage information displayed below covers a range of prices for Honda Accord Crosstour models. Learning a little about how car insurance premiums are formulated is important for making smart choices when purchasing an insurance policy.

Honda Accord Crosstour Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $152 $308 $494 $30 $148 $1,132 $94
Accord Crosstour EX-L 2WD $152 $308 $494 $30 $148 $1,132 $94
Accord Crosstour EX-L 4WD $172 $362 $494 $30 $148 $1,206 $101
Accord Crosstour EX-L Navigation 2WD $172 $362 $494 $30 $148 $1,206 $101
Accord Crosstour EX-L Navigation 4WD $172 $362 $494 $30 $148 $1,206 $101
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in Louisville location which can influence insurance rates greatly.

Policy deductibles

A question often asked by Louisville drivers is how high or low should comp and collision deductibles be. The rates shown below summarize the rate differences when you buy lower versus higher physical damage deductibles. The first data set uses a $250 deductible for comp and collision and the second data table uses a $1,000 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 $252 $426 $408 $24 $122 $1,257 $105
Accord Crosstour EX-L 2WD $252 $426 $408 $24 $122 $1,257 $105
Accord Crosstour EX-L 4WD $284 $500 $408 $24 $122 $1,363 $114
Accord Crosstour EX-L Navigation 2WD $284 $500 $408 $24 $122 $1,363 $114
Accord Crosstour EX-L Navigation 4WD $284 $500 $408 $24 $122 $1,363 $114
Get Your Own Custom Quote Go

Honda Accord Crosstour insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $156 $268 $408 $24 $122 $978 $82
Accord Crosstour EX-L 2WD $156 $268 $408 $24 $122 $978 $82
Accord Crosstour EX-L 4WD $176 $316 $408 $24 $122 $1,046 $87
Accord Crosstour EX-L Navigation 2WD $176 $316 $408 $24 $122 $1,046 $87
Accord Crosstour EX-L Navigation 4WD $176 $316 $408 $24 $122 $1,046 $87
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can change coverage rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs approximately $25 more each month or $300 for a full year averaged for all Accord Crosstour models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 30 months between claim filings, you would save money by going with a higher deductible. The numbers below show a better example of how this determination is made.

Average monthly premium for $250 deductibles: $110
Average monthly premium for $1,000 deductibles (subtract): – $85
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

The diagram below highlights how deductible selection and can influence Honda Accord Crosstour yearly insurance costs for different insured age categories. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.

Insurance rates based on gender in Louisville

The chart below visualizes the comparison of Honda Accord Crosstour insurance costs for male and female drivers. The prices are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Rate comparison of full coverage and liability-only

The chart below visualizes the comparison of Honda Accord Crosstour auto insurance rates with full coverage compared to only the Kentucky minimum liability coverage. The premiums are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no set rule for dropping full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Honda Accord Crosstour replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Why Your Insurance Premiums might be higher

Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are not as apparent such as your credit history or your vehicle rating. The best way to find cheaper auto insurance is to take a look at the different types of things that help calculate the rates you pay for auto insurance. If you have some idea of what determines premiums, this enables you to make decisions that will entitle you to cheaper rates.

Everyone needs different insurance coverages

Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique.

For example, these questions can aid in determining whether or not you may require specific advice.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Independent and exclusive insurance agents

Many people would prefer to sit down and talk to an agent and we recommend doing that One of the benefits of comparing rate quotes online is the fact that you can find lower auto insurance rates and also buy local.

Find insurance agent in LouisvilleAfter filling out this short form, your information is immediately sent to companies in Louisville that can give you free Louisville auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house because prices are sent immediately to your email address. You can find lower rates without having to waste a lot of time. If you need to get a comparison quote from one company in particular, you would need to go to their quote page and fill out their quote form.

Picking an provider should include more criteria than just the price. Any agent in Louisville should be willing to answer these questions.

If you want local Louisville agents, it helps to know the two different types of agents and how they function. Insurance agencies in Louisville may be either independent or exclusive depending on the company they work for.

Exclusive Agents

Exclusive insurance agents generally can only insure with one company like American Family, State Farm, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents mainly due to the prominent brand name and solid financial strength.

Below are exclusive agencies in Louisville who can help you get price quotes.

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent do not write with just one company so they can insure your vehicles with any number of different companies and find the cheapest rate. If your premiums go up, the business is moved internally and you stay with the same agent.

When comparing car insurance prices, we recommend you contact multiple independent agents to have the most options to choose from. They often place coverage with lesser-known insurance companies that many times have cheaper rates.

Below is a short list of independent agents in Louisville willing to provide price quote information.

More insurance agents

Upon receiving good responses as well as an affordable premium quote, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles.

Car insurance protects more than just your car

Even though Louisville Accord Crosstour insurance rates can get expensive, maintaining insurance serves several important purposes.

The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying over $800 each year so compare rates once a year at a minimum to make sure the price is not too high.

Which car insurance company is best in Kentucky?

Finding a good quality car insurance company is hard considering how many different companies sell coverage in Kentucky. The ranking information listed below may help you analyze which providers to look at when comparing rate quotes.

Top 10 Louisville Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Louisville Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Don’t give up on affordable coverage

Some companies may not have price quotes online and usually these small, regional companies sell through independent insurance agents. Discount Honda Accord Crosstour insurance is available online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.

Drivers switch companies for a number of reasons such as policy non-renewal, delays in paying claims, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, choosing a new company is less work than it seems.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at a price you can afford while still protecting your assets.

How to find cheaper rates for Honda Accord Crosstour insurance in Louisville

It takes a few minutes, but the best way to get more affordable Honda Accord Crosstour insurance in Louisville is to start comparing rates regularly from companies that sell auto insurance in Kentucky. Prices can be compared by following these guidelines.

The critical component of shopping around is to make sure you’re comparing identical deductibles and limits on every quote request and and to get price estimates from all possible companies. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.

Even more information is located by following these links: