Compare Honda Accord Crosstour Insurance Rate Quotes in Cincinnati

If you want to save the most money, the best way to get affordable Honda Accord Crosstour insurance in Cincinnati is to start comparing prices yearly from companies who sell auto insurance in Ohio.

Step 1: Get a basic knowledge of car insurance and the measures you can take to drop your rates. Many rating factors that result in higher prices like speeding and a poor credit score can be improved by making minor changes to your lifestyle. This article provides additional tips to help keep prices low and get additional discounts that may have been overlooked.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide price quotes for many different companies.

Step 3: Compare the new rate quotes to your current policy and determine if cheaper Accord Crosstour coverage is available. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.

Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy and submit the required down payment along with the signed application to the new company. Immediately keep the new certificate verifying proof of insurance in an accessible location in your vehicle.

A crucial key to this process is to make sure you enter similar deductibles and liability limits on every quote request and and to look at all possible companies. Doing this guarantees the most accurate price comparison and the best rate selection.

Anyone knows that insurance companies don’t want you to look at other companies. Consumers who get price comparisons will probably move their business because the odds are good of finding discount prices. A recent survey revealed that people who made a habit of comparing rate quotes saved on average $865 annually compared to policyholders who never shopped for cheaper rates.

If finding the cheapest rates on insurance in Cincinnati is your ultimate target, then knowing how to get free comparison quotes and analyze insurance premiums can make shopping around easier.

If you already have coverage or just want to reduce your rates, follow these tips to get lower rates without having to cut coverage. Finding affordable insurance coverage in Cincinnati is actually very simple if you learn how to start. Shoppers only need to know the best way to compare prices from many different companies online.

Informed Consumers Can Reduce Insurance Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that could result in lower rates. Many things are part of the equation when pricing auto insurance. Some are obvious like a motor vehicle report, but other factors are less apparent such as your credit history and annual miles driven.

• Prevent your car from being stolen – Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
• Stay claim-free and lower premiums – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies in Ohio generally give the lowest premiums to people who are not frequent claim filers. Your insurance policy is intended for the large, substantial claims.

• Careless drivers pay higher prices – Being a careful driver has a big impact on rates. Good drivers receive lower rates as compared to those with violations. Even one citation can increase rates forty percent or more. People who have serious violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state in order to keep their license.

  The chart below shows how traffic citations and fender-benders raise Honda Accord Crosstour annual premium costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

• Safer vehicles save money – Safer cars tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and fewer injuries means your insurance company pays less passed on to you as lower rates. If your Honda has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
• Marriage is a factor – Getting married can get you a discount on your insurance bill. It demonstrates that you tend to be more mature it has been statistically shown that drivers who are married are more cautious.
• Prices impacted by vehicle usage – The more miles you rack up on your Honda each year the higher your rate. Almost all companies calculate prices determined by how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates than those that get driven frequently. Double check that your insurance policy properly reflects the correct usage. An incorrectly rated Accord Crosstour can cost quite a bit.

• Insurance loss data for a Honda Accord Crosstour – Companies include the past claim history for a vehicle to help determine costs. Models that statistically have higher number or severity of losses will cost more for specific coverages.

  The table below demonstrates the historical loss data for Honda Accord Crosstour vehicles. For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Values below 100 represent a good loss history, while numbers above 100 indicate higher probability of having a loss or an increased probability of a larger loss.

  
  

  Car Insurance Loss Data for Honda Accord Crosstour Models

  Make and 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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Premium rates and analysis

The coverage information shown below showcases a range of rate quotes for Honda Accord Crosstour models. Being aware of how insurance prices are formulated can be valuable when making smart choices when purchasing an auto insurance policy.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location information which can modify coverage prices noticeably.

Should you raise deductibles?

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The figures shown below highlight the difference in cost between low and high insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location information which can alter premium rates considerably.

Based on the figures above, using a $250 deductible costs an average of $10 more each month or $120 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 25 months between claims, you would come out ahead going with the higher deductible.

Insurance discounts are available to lower rates

Companies don’t always list their entire list of discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known credits available to bring down your rates.

• Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you better premium rates if you take out life insurance from them.
• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
• Memberships – Participating in a civic or occupational organization in Cincinnati could earn you a nice discount on your bill.
• Discounts for New Vehicles – Insuring a new Accord Crosstour can be considerably cheaper because new vehicles are generally safer.

Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The information below shows the difference between Honda Accord Crosstour insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-policy, safe-driver, and multi-car discounts applied.

To find insurance companies with significant discounts in Cincinnati, click here.

Which auto insurance company is best in Cincinnati?

Selecting the best company can be difficult considering how many different insurance companies sell coverage in Cincinnati. The information in the lists below can help you choose which car insurance providers to look at when comparing rate quotes.

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Affordable insurance rates are out there

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage and found out when filing a claim they didn’t have enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

In this article, we covered many ideas to reduce Honda Accord Crosstour insurance car insurance rates online in Cincinnati. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper Cincinnati car insurance quotes. Drivers may even discover the best car insurance rates are with a small local company.

Insureds who switch companies do it for many reasons like unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance provider can be less work than you think.

Even more information can be read at these sites:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has Affordable Cincinnati Auto Insurance Quotes for Uninsured Drivers? (FAQ)
• How Much are Cincinnati Auto Insurance Rates for 18 Year Olds? (FAQ)
• Who Has Affordable Cincinnati Auto Insurance Quotes for a Dodge Journey? (FAQ)
• How Much is Cincinnati Car Insurance for Postal Workers? (FAQ)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Liability Insurance Coverage (Nationwide)