Cheapest Quotes for Honda Accord Crosstour Insurance in Seattle

How long has it been since you compared quotes for cheaper Honda Accord Crosstour insurance in Seattle? Finding cheap Honda Accord Crosstour insurance in Seattle is always hard for people who are new to online comparison shopping. You have so many agents and companies to choose from that it can turn into a burden to find the best premium rates.

Unfortunately, the majority of drivers renewed their policy with the same company for at least four years, and approximately 38% of consumers have never shopped around. Washington insurance shoppers could save up to $427 a year, but they just feel it’s too hard to find cheaper auto insurance rates.

If you are insured now, you will surely be able to buy cheaper insurance using the concepts covered in this article. Quoting and comparing affordable insurance in Seattle is easy if you know what you’re doing. But Washington car owners do need to know the methods companies use to determine prices and use it to your advantage.

Get discounts on Seattle insurance

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but once in a while a discount must be inquired about before you will receive the discount.

• No Accidents – Insureds who avoid accidents and claims get the best insurance rates when compared with drivers with a long claim history.
• Fewer Miles Equal More Savings – Keeping the miles down on your Honda could earn slightly better rates than normal.
• Senior Citizen Discount – If you qualify as a senior citizen, you could receive a small decrease in premiums.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Discount for Life Insurance – Insurance carriers who offer life insurance give lower prices if you buy life insurance from them.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
• Seat Belts Save – Drivers who require all occupants to buckle up can save a little off the medical payments premium.

Just know that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your policy premiums.

Popular insurance companies and their offered discounts can be read below.

• Farm Bureau may offer discounts for renewal discount, safe driver, driver training, 55 and retired, and multi-vehicle.
• State Farm offers premium reductions for safe vehicle, accident-free, defensive driving training, passive restraint, and student away at school.
• Progressive may include discounts for good student, online quote discount, multi-vehicle, homeowner, continuous coverage, multi-policy, and online signing.
• Allstate discounts include auto/life discount, eSmart discount, anti-lock brakes, passive restraint, senior citizen, new car, and utility vehicle.
• Nationwide offers discounts for family plan, easy pay, good student, Farm Bureau membership, and multi-policy.
• MetLife has discounts for good driver, accident-free, defensive driver, claim-free, and multi-policy.

If you need lower rates, check with every company which discounts you may be entitled to. A few discounts may not apply in Seattle.

When comparison shopping, making a lot of price comparisons helps improve the odds of finding a lower rate.

The auto insurance companies shown below offer free rate quotes in Washington. If the list has multiple companies, we recommend you get rate quotes from several of them in order to find the most affordable rates.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Seattle location which can change auto insurance rates significantly.

Car insurance rates by age and gender in Seattle

The example below shows the difference between Honda Accord Crosstour insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Careless driving habits raise car insurance rates

The chart below shows how traffic citations and accidents influence Honda Accord Crosstour premium costs for each age group. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Can higher deductibles save money?

One frequently asked question is how high should the physical damage deductibles be. The rates shown below show how much more rates are of buying low and high physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in your specific Seattle location which can impact insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $13 more each month or $156 for a full year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claim filings, you would probably be better off if you elect the higher deductible. Here is a better example of how you can perform this determination yourself.

One important note is that a higher deductible results in more money out-of-pocket when you have a claim. You will want to have some non-essential savings in order to pay the deductible to have repairs made.

Smart Consumers Save Money

Many factors are part of the equation when quoting car insurance. Some are obvious like a motor vehicle report, but others are less apparent such as your marital status or how financially stable you are. One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that come into play when calculating your car insurance rates. If you have a feel for what determines base rates, this enables informed choices that may result in lower car insurance prices.

Your liability protection limits – Liability coverage is the coverage that protects you in the event that you are found to be at fault for an accident. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.

Being married can save you money – Your spouse may cut your premiums when buying car insurance. It demonstrates that you tend to be more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.

Insure your auto and home with one company – Most larger companies give lower prices to buyers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, you may still want to compare Honda Accord Crosstour rates in Seattle to confirm you are receiving the best rates possible. It’s possible to still find better rates by buying from different companies

Prices go up with performance – The make and model of the vehicle you need insurance for makes a big difference in how high your rates are. Since the Honda Accord Crosstour is considered a crossover, insuring your vehicle will cost slightly more than the average rate where you live in Seattle. Low performance passenger cars generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.

Honda Accord Crosstour historical loss data – Insurers take into consideration historical loss data for every vehicle to calculate a price that will offset losses. Vehicles that have higher claim amounts or frequency will have increased rates. The data below shows the historical loss data for Honda Accord Crosstour vehicles.

For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is represented as 100. Percentage numbers below 100 indicate a favorable loss history, while percentage values above 100 indicate frequent claims or a tendency for losses to be larger than average.

Auto insurance can be complex

Keep in mind that when it comes to choosing your policy for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation might need professional guidance.

• Am I better off with higher deductibles on my Honda Accord Crosstour?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I hit a deer?
• How can I get my company to pay me more for my totalled car?
• Should I buy only the required Washington minimum liability coverage?
• Is there a penalty for late payment?
• Can I rate high risk drivers on liability-only vehicles?
• Are my custom wheels covered?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance is available from agents near you

Many people prefer to get professional advice from a licensed agent and that is a smart decision A nice benefit of comparing rates online is that drivers can save money and get lower premium rates but still work with a licensed agent.

To find an agent, once you fill out this quick form, the quote information is transmitted to agents in your area who will gladly provide quotes to get your business. There is no reason to leave your computer since price quotes are sent to your email. You can get cheaper auto insurance rates and a licensed agent to work with. In the event you want to get a price quote for a specific company, feel free to go to their quote page to submit a rate quote request.

Choosing an insurer should depend on more than just the quoted price. These questions are important to ask:

• Can you use your own choice of collision repair facility?
• What discounts might you be missing?
• Does the company use OEM repair parts?
• How many years of experience in personal auto insurance do they have?
• Is the agent and/or agency licensed to do business in Washington?
• Does the quote include credit and driving reports?
• What company holds the largest book of business for them?

Protect more than your Honda Accord Crosstour

Even though it’s not necessarily cheap to insure a Honda in Seattle, insuring your vehicle is required in Washington but also provides important benefits.

• Just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Honda, almost all lenders will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Honda for a much higher rate and make you pay for the expensive policy.
• Insurance protects not only your car but also your assets. Insurance will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Accord Crosstour are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $869 every year so we recommend shopping around at every policy renewal to save money.

Smart consumers save more

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Discount Honda Accord Crosstour insurance in Seattle is possible online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get quotes online and usually these regional insurance providers provide coverage only through independent agents.

We just presented many ways to save on Honda Accord Crosstour insurance in Seattle. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best rates are with a smaller regional carrier. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional information is available at the links below

• Older Drivers FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Seattle? (FAQ)
• Who Has Affordable Seattle Auto Insurance for Single Moms? (FAQ)
• What Insurance is Cheapest for Police Officers in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a 20 Year Old Female in Seattle? (FAQ)
• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance Basics (Insurance Information Institute)