Cheapest Honda Accord Crosstour Insurance in Greensboro

It’s well known that car insurance companies want to keep you from comparing prices. Insureds who get comparison quotes once a year are inclined to switch to a new company because of the good chance of finding a lower rate. Remarkably, a study showed that drivers who shopped around annually saved on average $3,500 over four years as compared to drivers who never shopped around for lower prices.

If finding the best price on car insurance in Greensboro is the reason you’re here, then learning a little about the best ways to find and compare car insurance can save money and time.

The preferred way to get the cheapest Honda Accord Crosstour insurance in Greensboro is to do a yearly price comparison from providers who provide auto insurance in North Carolina.

1. Read about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many risk factors that cause rate increases such as at-fault accidents, speeding tickets, and a not-so-good credit rating can be remedied by improving your driving habits or financial responsibility. Continue reading for tips to prevent high prices and get discounts that may be overlooked.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of companies.
3. Compare the new rate quotes to your current policy to see if cheaper Accord Crosstour coverage is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.
4. Provide adequate notice to your current company of your decision to cancel the current policy and submit a down payment along with a signed application to your new agent or company. Don’t forget to keep the new certificate verifying coverage in a readily accessible location in your vehicle.

One thing to remember is that you’ll want to make sure you compare identical coverage information on every quote and and to get rate quotes from every company you can. This provides a fair price comparison and a better comparison of the market.

If you have a policy now, you will definitely be able to save money using this information. Locating the most cost-effective insurance policy in Greensboro is not rocket science. But North Carolina drivers must comprehend how insurance companies charge you for coverage because rates fluctuate considerably.

When quoting auto insurance, remember that obtaining a wide range of quotes helps you find the best offered rates. Some companies don’t provide price estimates online, so you also need to get quotes from them as well.

The companies in the list below have been selected to offer price quotes in Greensboro, NC. If you want to find cheap auto insurance in NC, we recommend you visit two to three different companies to get the lowest price.

Auto insurance policy discounts for Honda Accord Crosstour insurance in Greensboro

Some insurance providers don’t always advertise all available discounts in an easy-to-find place, so here is a list both the well known and the more hidden auto insurance savings.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
• Discounts for Multiple Vehicles – Insuring primary and secondary vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• Club Memberships – Having an affiliation with qualifying clubs or civic groups may earn a discount when getting a Greensboro auto insurance quote.
• Federal Government Employee – Federal government employees could cut as much as 10% off with certain companies.
• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a break if you buy a life insurance policy as well.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Driver Training Discounts – Participating in a driver safety course is a good idea and can lower rates if your company offers it.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower premium rates.
• Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.

As a sidenote, most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, you won’t be that lucky. Any qualifying discounts will definitely reduce the amount you have to pay.

The diagram below illustrates the difference between Honda Accord Crosstour yearly insurance costs with and without discounts applied. The price estimates are based on a female driver, no accidents or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, marriage, and claim-free discounts applied.

Large auto insurance companies and some of their more popular discounts are included below.

• State Farm discounts include good driver, multiple autos, student away at school, defensive driving training, safe vehicle, anti-theft, and driver’s education.
• GEICO may have discounts that include seat belt use, defensive driver, multi-vehicle, anti-theft, and emergency military deployment.
• Progressive offers discounts including multi-vehicle, multi-policy, good student, continuous coverage, and online signing.
• 21st Century has discounts for 55 and older, homeowners, teen driver, automatic seat belts, anti-lock brakes, and early bird.
• American Family may include discounts for defensive driver, bundled insurance, good student, mySafetyValet, Steer into Savings, and TimeAway discount.
• The Hartford policyholders can earn discounts including driver training, anti-theft, good student, defensive driver, air bag, vehicle fuel type, and bundle.
• AAA offers discounts for multi-policy, AAA membership discount, multi-car, pay-in-full, and education and occupation.

If you need inexpensive Greensboro auto insurance quotes, ask all the companies which discounts they offer. Savings may not apply to policyholders in Greensboro. To find providers with the best Honda Accord Crosstour insurance discounts in Greensboro, click here.

Premium rates and analysis

The information shown below highlights estimates of insurance coverage prices for Honda Accord Crosstour models. Having a better idea how insurance policy premiums are formulated helps drivers make smart choices when selecting a policy.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can affect coverage prices greatly.

Choosing deductibles

One common question asked by Greensboro drivers is where should you set your physical damage deductibles. The following insurance rates may help to illustrate the differences in price between low and high comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific location which can impact auto insurance rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $19 more each month or $228 annually than selecting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 39 months between claim filings, you would probably come out ahead if you choose a higher deductible. Below is a better example of how we made this calculation.

One thing to note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. That will require enough money put aside in order to pay more to get your vehicle repaired.

Learn How to Lower Your Insurance Rates

Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are not as apparent like your continuous coverage or how financially stable you are.

The following are just a few of the factors used by your company to calculate rates.

• Your car’s features help determine premiums – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
• Urban residents pay more – Being located in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. People who live in big cities regularly have traffic congestion and more time behind the wheel. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims.

• High premiums for teenage drivers – Older, more experienced drivers are shown to be more cautious, tend to file fewer claims, and get fewer tickets. Youthful drivers are proven to be careless and easily distracted when at the wheel of a vehicle so insurance rates are higher.

  The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Lower rates for married couples – Being married can actually save you money when shopping for insurance. Marriage translates into being more mature and insurance companies reward insureds because being married results in fewer claims.
• See if your company offers a multi-policy discount – The majority of insurance companies apply better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you’re getting this discount consumers should still comparison shop to confirm you are receiving the best rates possible. Drivers may still save more without the discount by buying from different companies

• Insurance losses for a Honda Accord Crosstour – Insurers use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that the statistics show to have high amounts or severity of claims will have higher rates.

  The table below illustrates the historical insurance loss data for Honda Accord Crosstour vehicles. For each coverage category, the claim probability for all vehicles compiled together is a value of 100. Numbers that are below 100 suggest a better than average loss history, while numbers above 100 show a trend for more claims 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years