If you want to save the most money, the best way to get budget car insurance rates is to make a habit of comparing prices annually from providers that sell auto insurance in Riverside. Drivers can shop around by following these steps.
First, learn about the coverage provided by your policy and the things you can control to prevent expensive coverage. Many things that increase rates such as getting speeding tickets and poor credit rating can be amended by making minor changes in your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agencies can quote rates from multiple companies.
Third, compare the new rate quotes to your existing rates and determine if cheaper Accord Crosstour coverage is available. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.
Fourth, provide written notification to your current company of your decision to cancel your current car insurance policy. Submit the required down payment along with the signed application to the new company. Don’t forget to put the certificate verifying coverage with your registration paperwork.
An important bit of advice to remember is to make sure you’re comparing the same amount of coverage on every quote and to quote with as many car insurance companies as possible. This guarantees the most accurate price comparison and the most accurate and complete price analysis.
A recent study showed that a large majority of car insurance policyholders in California kept their policy with the same company for over three years, and almost 40% of drivers have never compared quotes from other companies. With the average car insurance premium being $1,847, American drivers could save up to $860 every year, but most undervalue the benefits if they changed companies.
Reducing your insurance rates is a great way to save money. The only thing you need to do is invest a few minutes comparing rates online from several insurance companies.
It’s so fast and easy to compare rates online that it replaces the need to drive around to local insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless your situation requires the professional assistance that you can only get from talking to an agent. If you prefer, some companies allow you to price shop your coverage online and have a local agent actually service the policy.
The companies shown below can provide free rate quotes in Riverside, CA. If multiple companies are shown, it’s a good idea that you visit two to three different companies to find the most competitive car insurance rates.
Get cheaper rates on Honda Accord Crosstour insurance in Riverside with these car insurance discounts
Companies do not list every discount very clearly, so the list below contains some of the best known and the more hidden car insurance savings.
- Military Discounts – Having a deployed family member could qualify you for better car insurance rates.
- Auto/Life Discount – Larger car insurance companies have lower rates if you buy some life insurance too.
- Save over 55 – Older drivers may be able to get reduced rates.
- E-sign Discounts – Certain insurance companies will provide an incentive for buying your policy on the internet.
- Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
Discounts lower rates, but most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts should help lower the amount you have to pay.
The chart below shows the difference between Honda Accord Crosstour insurance prices with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.
Companies and some of the premium reductions they offer are:
- Esurance offers discounts including DriveSense, safety device, Switch & Save, renters, and anti-lock brakes.
- The Hartford may offer discounts for anti-theft, defensive driver, good student, bundle, vehicle fuel type, driver training, and air bag.
- AAA discounts include good driver, AAA membership discount, multi-policy, good student, and multi-car.
- GEICO offers premium reductions for federal employee, military active duty, five-year accident-free, emergency military deployment, and anti-theft.
- State Farm includes discounts for good student, multiple policy, student away at school, passive restraint, anti-theft, driver’s education, and Steer Clear safe driver discount.
Before purchasing a policy, check with every insurance company the best way to save money. Savings may not apply to policyholders in Riverside. To see a list of insurance companies who offer online Honda Accord Crosstour insurance quotes in Riverside, click this link.
Facts and figures for Honda Accord Crosstour insurance
The coverage table shown next highlights estimates of insurance costs for Honda Accord Crosstour models. Having knowledge of how car insurance premiums are calculated can help drivers make decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord Crosstour EX 2WD||$204||$354||$564||$34||$168||$1,324||$110|
|Accord Crosstour EX-L 2WD||$204||$354||$564||$34||$168||$1,324||$110|
|Accord Crosstour EX-L 4WD||$230||$418||$564||$34||$168||$1,414||$118|
|Accord Crosstour EX-L Navigation 2WD||$230||$418||$564||$34||$168||$1,414||$118|
|Accord Crosstour EX-L Navigation 4WD||$230||$418||$564||$34||$168||$1,414||$118|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in garaging location in Riverside which can influence premium rates noticeably.
Poor driving habits will raise your auto insurance rates
The information below illustrates how violations and accidents raise Honda Accord Crosstour insurance prices for different categories of driver ages. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Best auto insurance in Riverside
Selecting a high-quality insurer can be difficult considering how many choices there are in California. The ranking information shown next can help you choose which insurers you want to consider shopping your coverage with.
Top 10 Riverside Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Riverside Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Components of Your Honda Accord Crosstour Insurance Prices
Multiple criteria are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating.
The factors shown below are some of the factors that factor into rates.
Extra coverages could be costing you – There are quite a few additional extra coverages that you can get tricked into buying but may not be useful. Insurance for vanishing deductibles, towing, and motor club memberships are probably not needed. They may sound like good ideas when deciding what coverages you need, but now you might not need them so get rid of them and save.
Women pay lower prices – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both genders tend to get into fender benders at a similar rate, but men get into accidents with more damage. In addition to higher claims, males also receive more costly citations such as reckless driving.
The chart below illustrates the difference between Honda Accord Crosstour insurance premiums for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.
Your stress level may be raising your premiums – Occupations like real estate brokers, air traffic controllers, and emergency personnel have higher premium rates in part from intense work-related stress and long work hours. On the flip side, occupations such as actors, athletes and the unemployed have the lowest average rates.
How many coverages with the same company – Some companies will give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount applied, drivers will still want to shop around to help ensure you have the lowest rates.
Consider raising deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Honda. Examples of covered claims are a dented fender, vandalism, and burglary. Comprehensive and collision coverage deductibles are the amount of money you are required to pay if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive.
Loss statistics for a Honda Accord Crosstour – Auto insurance companies use past insurance losses to help determine the rate you pay. Vehicles that the data determines to have higher claim frequency or loss amount will have higher rates.
The data below shows the collected loss data for Honda Accord Crosstour vehicles. For each coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers that are below 100 are indicative of better than average losses, while percentages above 100 point to more losses or an increased chance of larger losses than average.
|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|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years