Affordable Insurance for a Honda Accord Crosstour in Jacksonville

Did a good deal turn out to be overpriced Honda Accord Crosstour insurance in Jacksonville? Say no more because there are many Jacksonville drivers thinking the same thing.

Regrettably, most drivers kept their policy with the same company for at least the last four years, and approximately 40% of consumers have never taken the time to shop around. With the average premium in Florida being $2,158, drivers could save themselves 55% a year just by getting comparison quotes, but they feel it’s too difficult to compare rate quotes online. Popular companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with advertising and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Consumers should take time to check car insurance prices as often as possible due to the fact that insurance rates change quite often. Just because you found the lowest rate on Honda Accord Crosstour insurance in Jacksonville last year there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

If you have a current insurance policy or just want a better rate, you can follow these tips to cut your premiums while maximizing coverage. Buying the cheapest insurance in Jacksonville is not rocket science. You just need to understand the quickest way to get comparison quotes from multiple carriers.

How much is Honda Accord Crosstour insurance in Jacksonville, Florida?

The providers in the list below are ready to provide free quotes in Florida. If more than one company is shown, it’s highly recommended you get price quotes from several of them to get the lowest price.

Do you qualify for discounts on Honda Accord Crosstour insurance in Jacksonville?

Car insurance companies don’t always advertise the entire discount list in an easy-to-find place, so here is a list both the well known as well as the least known credits available to bring down your rates.

• No Accidents – Insureds with no claims or accidents can save substantially when compared with frequent claim filers.
• New Car Discount – Insuring a new Accord Crosstour may earn a small discount since newer models are generally safer.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save 10% or more off the medical payments premium.
• Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• Resident Student – Children who attend college more than 100 miles from Jacksonville and don’t have a car can receive lower rates.
• Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
• Low Mileage Discounts – Driving fewer miles could qualify for slightly better rates than normal.
• Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off with some car insurance companies.
• First Accident Forgiveness – Not necessarily a discount, but a few companies such as GEICO, Allstate and Liberty Mutual will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.

We need to note that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, companies don’t profit that way.

The example below shows the comparison of Honda Accord Crosstour car insurance costs with and without discounts applied to the premium. The information is based on a male driver, no claims, a clean driving record, Florida 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 multi-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.

Larger car insurance companies and a selection of discounts are included below.

• Farmers Insurance offers premium reductions for good student, alternative fuel, teen driver, youthful driver, mature driver, distant student, and multi-car.
• State Farm offers discounts including Steer Clear safe driver discount, passive restraint, good student, driver’s education, accident-free, and Drive Safe & Save.
• Liberty Mutual policyholders can earn discounts including new graduate, new vehicle discount, newly married, new move discount, exclusive group savings, and good student.
• MetLife may include discounts for defensive driver, accident-free, multi-policy, good driver, good student, and claim-free.
• Progressive may offer discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, multi-policy, and good student.

Before buying, ask each company which discounts you may be entitled to. Some credits may not apply in your state. To find providers with significant discounts in Jacksonville, click this link.

Auto insurance statistics and figures

The rate table displayed below highlights estimates of insurance premium costs for Honda Accord Crosstour models. Learning how insurance policy premiums are formulated can help drivers make informed decisions when comparing rate quotes.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in specific garaging location which can influence coverage rates considerably.

Choosing deductibles

A question often asked by Jacksonville drivers is how high should the physical damage coverage deductibles be. The following insurance rates determine the price difference when you buy lower versus higher comp and collision deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can increase or decrease premium rates considerably.

We can estimate from the data above that using a $250 deductible costs roughly $17 more each month or $204 annually averaged for all Accord Crosstour models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 15 months between claims, you would probably come out ahead if you choose the higher deductible.

The information below illustrates how your deductible choice and can change Honda Accord Crosstour annual premium costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Gender-based auto insurance premiums

The diagram below compares Honda Accord Crosstour insurance costs for male and female drivers. The data is based on a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

Do you need full coverage?

The chart below illustrates the difference between Honda Accord Crosstour insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no violations or accidents, $250 deductibles, single status, and no discounts are applied.

Are you wasting money on full coverage?

There isn’t a steadfast formula to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Honda Accord Crosstour claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If premium cost is more than $400 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Car insurance quotes from local Jacksonville insurance agents

Many people still prefer to talk to an insurance agent and that is OK! Most agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing rates online is the fact that drivers can get the lowest rates and still have a local agent. Buying insurance from local insurance agencies is important especially in Jacksonville.

Upon completion of this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who want to provide quotes for your coverage. You won’t need to drive around due to the fact that quote results will go to the email address you provide. If you have a need to get a rate quote from a specific car insurance provider, you just need to find their quoting web page and complete a quote there.

If you are searching for an insurance agent, it helps to know the two types of agencies and how they are slightly different. Car insurance agents can either be independent or exclusive depending on the company they work for. Both types can write car insurance policies, but it’s important to point out the difference between them since it can affect which agent you choose.

Independent Car Insurance Agencies

Agents of this type do not work for one specific company so as a result can place your coverage through many different car insurance companies and find the cheapest rate. To move your coverage to a new company, they simply switch companies in-house and you won’t have to switch agencies.

If you are comparing car insurance prices, it’s recommended you contact independent agents to have the most options to choose from.

Below are independent insurance agencies in Jacksonville who may provide pricing information.

More insurance agents

Exclusive Agents

Exclusive insurance agents normally can only provide a single company’s rates such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. They are well trained on sales techniques which helps them sell on service rather than price.

Shown below is a short list of exclusive insurance agents in Jacksonville willing to provide price quotes.

More insurance agents

Picking the best insurance agency is decision based upon more than just a low price. Here are some questions you might want to ask.

• Are they able to provide referrals?
• Does the company have a solid financial rating?
• How long has their agency been in business in Jacksonville?
• Does the agency have a current Errors and Omissions policy?
• Do they offer rental car reimbursement?

After getting good feedback for all questions you ask and an affordable coverage quote, chances are good that you have found an insurance agent that can be trusted to service your policy. Just keep in mind you are entitled to cancel coverage at any time so don’t feel you are locked into a policy for any length of time.

How Insurers Determine Honda Accord Crosstour Insurance Rates

Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent such as your credit history or your vehicle rating. Part of the car insurance buying process is learning some of the things that help determine car insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get big savings.

Use but don’t abuse your insurance – Insurance companies in Florida provide the lowest premiums to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for more catastrophic claims.

Bad drivers pay high costs – Being a careful driver impacts premiums far more than you think. Attentive drivers pay lower auto insurance prices as compared to those with violations. Only having one ticket may cause rates to rise to the point where it’s not affordable. Drivers who have gotten careless violations like DUI, reckless driving or excessive speeding may find they need to complete a SR-22 with their state motor vehicle department in order to keep their license.

The example below demonstrates how citations and at-fault fender-benders increase Honda Accord Crosstour car insurance rates for each age group. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Put fewer miles on your vehicle – Driving more miles in a year’s time the higher the price you pay to insure it. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. An incorrectly rated Accord Crosstour can cost quite a bit. It’s always a good idea to double check that your car insurance policy correctly shows annual mileage, because it can save money.

Discounts for multiple policies – Some insurance companies afford lower prices to policyholders that buy multiple policies. It’s known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to guarantee you are still saving the most.

Safer occupants lowers prices – Safe vehicles are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.

Don’t cancel your coverage without a new one in place – Driving with no insurance is not a good idea and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you fines or a revoked license.

Honda Accord Crosstour claim statistics – Car insurance companies analyze historical claim data to calculate a rate that will offset any claims. Models that historically have a trend towards higher claims will cost more for specific coverages. The data below shows the insurance loss data used by companies for Honda Accord Crosstour vehicles.

For each coverage category, the claim amount for all vehicles compiled together is equal to 100. Numbers that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate more frequent losses or tendency to have larger claims.

Three reasons to insure your Honda Accord Crosstour

Despite the high insurance cost for a Honda Accord Crosstour in Jacksonville, paying for car insurance may be required for several reasons.

• The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Honda has a lienholder, it’s most likely the lender will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Honda at a much higher premium rate and require you to pay the higher premium.
• Insurance safeguards both your Honda Accord Crosstour and your personal assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of having car insurance definitely exceed the price paid, particularly if you ever have a claim. The average driver in America overpays more than $869 every year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Persistence pays off

Discount Honda Accord Crosstour insurance in Jacksonville is definitely available on the web as well as from independent agents in Jacksonville, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and many times these smaller providers work with independent agents.

We just covered a lot of information how to get a better price on Honda Accord Crosstour insurance in Jacksonville. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with a small local company. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Steps to buying affordable Honda Accord Crosstour insurance in Jacksonville

If saving the most money is your goal, then the best way to find more affordable car insurance rates is to do an annual price comparison from different companies who sell auto insurance in Jacksonville. Price quotes can be compared by completing these steps.

• Step 1: Spend some time learning about how auto insurance works and the measures you can control to keep rates in check. Many things that are responsible for high rates such as tickets, at-fault accidents, and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
• Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies.
• Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Accord Crosstour insurance. If you find a lower rate quote, ensure there is no coverage lapse between policies.
• Step 4: Give notification to your agent or company of your intention to cancel your current auto insurance policy. Submit the required down payment along with the signed application for the new coverage. As soon as you can, keep the new proof of insurance certificate in your vehicle’s glove compartment or console.

One bit of advice is to make sure you’re comparing the same amount of coverage on each price quote and and to get rates from as many car insurance companies as possible. This provides the most accurate price comparison and the best price quote selection.

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