Cheapest Rate Quotes for Honda Accord Crosstour Insurance in Laredo

Looking for more competitive Honda Accord Crosstour insurance in Laredo? Wish you could get a refund on overpriced Honda Accord Crosstour insurance in Laredo? Say no more because many Laredo consumers are in the same pinch.

Insurance rates Honda Accord Crosstour in LaredoUnimaginable but true, almost 70% of insureds kept buying from the same company for at least four years, and just short of a majority have never even compared quotes to find cheaper rates. Many consumers in Texas could save approximately $1,800 every year, but they just don’t understand the large savings they would see if they just switched companies.

Steps to saving on Honda Accord Crosstour insurance in Laredo

To save the most money, the best way to get budget Honda Accord Crosstour insurance is to start comparing prices yearly from insurance carriers in Laredo. Price quotes can be compared by completing these steps.

  1. Read about what coverages are included in your policy and the things you can change to lower rates. Many factors that result in higher rates like traffic citations and a substandard credit history can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover information to lower rates and find missing discounts.
  2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote prices for a wide range of companies.
  3. Compare the new rate quotes to your current policy and determine if there is any savings. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.

The most important part of shopping around is to compare the same coverage limits and deductibles on every quote request and and to get prices from every company you can. This guarantees a fair rate comparison and the best rate selection.

People have so many insurance companies to buy insurance from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates for Honda Accord Crosstour insurance in Laredo.

Finding the lowest-priced policy in Laredo is easy if you know what you’re doing. Practically each driver who shops around for insurance will be able to lower their premiums. Nevertheless, Texas drivers must comprehend how insurance companies sell online.

Most larger insurance companies such as Allstate and Progressive allow consumers to get coverage price quotes on their websites. The process is quite simple because you just enter your personal and coverage information into the quote form. Upon sending the form, the system pulls your driving and credit reports and returns pricing information based on the information you submitted. Getting online quotes for Honda Accord Crosstour insurance in Laredo makes it easy to compare insurance prices and it’s very important to get many rate quotes if you are searching for affordable prices.

To compare pricing, compare quotes from the companies shown below. If you have your current policy handy, we recommend you input the limits and deductibles as shown on your current policy. This makes sure you’re receiving rate comparison quotes using the same coverage and limits.

The companies in the list below have been selected to offer quotes in Texas. If multiple companies are listed, we recommend you click on several of them in order to find the most competitive rates.

Laredo insurance discounts for a Honda Accord Crosstour

Not many people think insurance is cheap, but you may be missing some discounts that many consumers don’t even know exist. Some discounts apply automatically when you complete an application, but a few need to be inquired about prior to receiving the credit.Insurance discounts

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, you aren’t that lucky.

The illustration below shows the difference between Honda Accord Crosstour car insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, claim-free, and safe-driver discounts applied.

The best insurance companies and their offered discounts can be found below.

If you are trying to find inexpensive Laredo auto insurance quotes, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not apply in Laredo.

Honda Accord Crosstour coverage analysis

The premium table displayed next outlines detailed analysis of rate quotes for Honda Accord Crosstour models. Having knowledge of how insurance policy rates are figured is important for you to make informed purchases.

Honda Accord Crosstour Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $178 $358 $576 $34 $172 $1,318 $110
Accord Crosstour EX-L 2WD $178 $358 $576 $34 $172 $1,318 $110
Accord Crosstour EX-L 4WD $202 $422 $576 $34 $172 $1,406 $117
Accord Crosstour EX-L Navigation 2WD $202 $422 $576 $34 $172 $1,406 $117
Accord Crosstour EX-L Navigation 4WD $202 $422 $576 $34 $172 $1,406 $117
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can revise coverage prices considerably.

Policy deductible comparison

One frequently asked question is how low should you set your deductibles. The figures shown below may help to conceptualize the rate difference when you choose different comp and collision deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Honda Accord Crosstour insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $328 $592 $476 $28 $142 $1,591 $133
Accord Crosstour EX-L 2WD $328 $592 $476 $28 $142 $1,591 $133
Accord Crosstour EX-L 4WD $370 $698 $476 $28 $142 $1,739 $145
Accord Crosstour EX-L Navigation 2WD $370 $698 $476 $28 $142 $1,739 $145
Accord Crosstour EX-L Navigation 4WD $370 $698 $476 $28 $142 $1,739 $145
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Honda Accord Crosstour insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $240 $400 $476 $28 $142 $1,286 $107
Accord Crosstour EX-L 2WD $240 $400 $476 $28 $142 $1,286 $107
Accord Crosstour EX-L 4WD $270 $472 $476 $28 $142 $1,388 $116
Accord Crosstour EX-L Navigation 2WD $270 $472 $476 $28 $142 $1,388 $116
Accord Crosstour EX-L Navigation 4WD $270 $472 $476 $28 $142 $1,388 $116
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific location which can modify coverage prices considerably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $28 more each month or $336 a year than choosing the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claims, you would most likely save money by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $140
Average monthly premium for $500 deductibles (subtract): – $112
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

Honda Accord Crosstour insurance rates by gender

The chart below compares Honda Accord Crosstour insurance prices for male and female drivers. The rates are based on no claims or violations, comp and collision included, $100 deductibles, single status, and no discounts are factored in.

Full coverage rates vs. liability-only in Laredo

The illustration below compares Honda Accord Crosstour insurance rates with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set guideline to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Honda Accord Crosstour settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after you pay the deductible. If premiums are more than $300 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Best car insurance in Texas

Choosing the best auto insurance company is difficult considering how many companies sell insurance in Laredo. The ranking information in the next section could help you select which insurers to look at when looking for cheaper rates.

Top 10 Laredo Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

What Affects Honda Accord Crosstour Insurance Premiums?

When buying car insurance it’s important to understand the different types of things that go into determining your car insurance rates. If you know what influences your rates, this allows you to make good choices that could help you find big savings. Many things are considered when you get your auto insurance bill. Some factors are common sense such as traffic violations, but some are less apparent like your continuous coverage or your commute time.

Shown below are a few of the “ingredients” that factor into your prices.

How do annual miles impact rates? – The higher the mileage driven in a year’s time the higher the price you pay to insure it. The majority of insurers rate vehicles partially by how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Accord Crosstour can cost quite a bit. It’s a good idea to make sure your declarations sheet states the correct usage for each vehicle, because improper ratings can cost you money.

Good drivers pay better rates – Whether or not you get tickets impacts your car insurance rates tremendously. Just one speeding ticket can increase rates by as much as thirty percent. Attentive drivers get better rates as compared to careless drivers. People who have severe citations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.

The chart below shows how traffic citations and accident claims can increase Honda Accord Crosstour annual premium costs for different age categories. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Better premiums on vehicles with better crash test results – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety reduce injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.

Vocation stress can make you pay more – Occupations such as military generals, architects, and accountants have higher average rates because of high stress and long work hours. On the flip side, jobs such as actors, engineers and homemakers pay lower than average rates.

Location can influence price – Being located in a rural area is a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have much more traffic and higher rates of accident claims. Less people means a lower chance of having an accident in addition to lower liability claims.

Discounts for auto and home policies – Some insurance companies will award lower prices for people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even with this discount, you may still want to check prices from other companies to help guarantee you have the best rates.

Physical damage deductibles – Physical damage deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of some claims that would be covered are a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more of the claim you have to pay, the lower your rates will be.

Insurance losses for a Honda Accord Crosstour – Companies analyze past claim statistics as a way to help calculate a profitable premium price. Models that the statistics show to have high amounts or severity of claims will have a higher cost to insure. The table below demonstrates the insurance loss data for Honda Accord Crosstour vehicles.

For each type of coverage, the statistical loss for all vehicles averaged together equals 100. Numbers under 100 represent a good loss history, while values over 100 indicate a higher chance of having a claim or larger claims.

Honda Accord Crosstour Insurance Claim Statistics
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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years