The best way we recommend to get affordable Honda Accord Crosstour insurance is to begin comparing prices regularly from companies in Scottsdale. Price quotes can be compared by following these steps.
Step 1: Learn about individual coverages and the measures you can take to prevent rate increases. Many risk factors that cause high rates like traffic citations and poor credit history can be improved by making small lifestyle or driving habit changes. This article provides the details to get affordable coverage and find hidden discounts.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the new quotes to the premium of your current policy to determine if you can save on Accord Crosstour insurance in Scottsdale. If you can save money, ensure there is no coverage lapse between policies.
Step 4: Tell your current company to cancel your current policy and submit a completed policy application and payment to the new company. As soon as you receive it, place your new proof of insurance certificate in an easily accessible location in your vehicle.
The key aspect of shopping around is that you’ll want to make sure you compare similar coverage information on every price quote and and to look at all possible companies. Doing this ensures a fair rate comparison and and a good selection of different prices.
It’s shocking but 70% of consumers have stayed with the same insurance company for at least four years, and 38% of drivers have never even shopped around for affordable coverage. American insurance shoppers could save themselves nearly $859 a year by just comparing rate quotes, but most undervalue the amount of money they would save if they switched to a more affordable policy.
Affordable Honda insurance rates in Scottsdale
The auto insurance companies shown below are our best choices to provide free rate quotes in Arizona. If you wish to find cheap car insurance in Scottsdale, it’s a good idea that you click on several of them in order to find the lowest rates.
Coverage analysis
The coverage table shown next showcases different policy rates for Honda Accord Crosstour models. Being more informed about how policy rates are formulated can help customers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $222 | $456 | $424 | $26 | $126 | $1,254 | $105 |
| Accord Crosstour EX-L 2WD | $222 | $456 | $424 | $26 | $126 | $1,254 | $105 |
| Accord Crosstour EX-L 4WD | $250 | $538 | $424 | $26 | $126 | $1,364 | $114 |
| Accord Crosstour EX-L Navigation 2WD | $250 | $538 | $424 | $26 | $126 | $1,364 | $114 |
| Accord Crosstour EX-L Navigation 4WD | $250 | $538 | $424 | $26 | $126 | $1,364 | $114 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific location which can increase or decrease coverage prices substantially.
Higher deductibles lower rates
When shopping for car insurance, a common question is how high should the physical damage deductibles be. The rates below may aid in understanding the price difference between low and high physical damage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $258 | $466 | $374 | $22 | $112 | $1,257 | $105 |
| Accord Crosstour EX-L 2WD | $258 | $466 | $374 | $22 | $112 | $1,257 | $105 |
| Accord Crosstour EX-L 4WD | $292 | $548 | $374 | $22 | $112 | $1,373 | $114 |
| Accord Crosstour EX-L Navigation 2WD | $292 | $548 | $374 | $22 | $112 | $1,373 | $114 |
| Accord Crosstour EX-L Navigation 4WD | $292 | $548 | $374 | $22 | $112 | $1,373 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $188 | $314 | $374 | $22 | $112 | $1,010 | $84 |
| Accord Crosstour EX-L 2WD | $188 | $314 | $374 | $22 | $112 | $1,010 | $84 |
| Accord Crosstour EX-L 4WD | $212 | $370 | $374 | $22 | $112 | $1,090 | $91 |
| Accord Crosstour EX-L Navigation 2WD | $212 | $370 | $374 | $22 | $112 | $1,090 | $91 |
| Accord Crosstour EX-L Navigation 4WD | $212 | $370 | $374 | $22 | $112 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can modify price quotes significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $22 more each month or $264 each year averaged for all Accord Crosstour models than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 18 months between claims, you would save money if you choose the higher deductible.
Tickets and at-fault accidents raise rates
The diagram below illustrates how traffic citations and accident claims can influence Honda Accord Crosstour insurance prices for different age groups. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Six Things That Determine Your Insurance Premiums
Lots of things are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are less obvious such as your marital status or your financial responsibility.
Listed below are some of the most rate-impacting factors that factor into your prices.
Your stress level may be raising your rates – Occupational choices like judges, police officers, and miners have higher rates than the rest of us because of intense work-related stress and long work days. On the flip side, careers like professors, engineers and performers generally pay rates lower than average.
Where you reside is a factor – Choosing to live in small towns and rural areas can save you money when insuring your vehicles. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims. Residents of big cities tend to have more auto accidents and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.
Use but don’t abuse your insurance – If you file a lot of claims you should expect either higher rates or even cancellation. Companies in Arizona provide better rates to insureds who are not frequent claim filers. Insurance coverage is meant to be used in the event of the large, substantial claims.
Rates impacted by vehicle usage – Driving more miles in a year’s time the higher the price you pay to insure it. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance policy states the correct driver usage, because it can save money. Incorrect rating for your Accord Crosstour can result in significantly higher rates.
Deter vehicle theft – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
Type of car, truck or SUV determines base costs – The type of car or truck you are trying to find cheaper insurance for makes a huge difference in your auto insurance rates. The lowest premiums will generally be found on economy passenger vehicles, but your final cost has many other factors.
The following chart uses these assumptions: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Honda Accord Crosstour policy rates compared to other makes and models that have a range of risk factors.
Honda Accord Crosstour claim probability – Companies use statistical claims data to help set a rate to offset losses. Models that the data shows to have high amounts or severity of claims will have a higher premium rate. The table below shows the actual insurance loss data for Honda Accord Crosstour vehicles.
For each coverage type, the claim probability for all vehicles averaged together is set at 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Scottsdale insurance discounts for a Honda Accord Crosstour
Insuring your fleet can be pricey, but you may qualify for discounts that may help make it more affordable. A few discounts will automatically apply when you purchase, but occasionally some discounts must be inquired about before you will receive the discount. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.
- Government Employee Discount – Federal government employees could provide a small rate reduction with certain companies.
- College Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
- Low Mileage Discounts – Low annual miles may enable drivers to earn substantially lower prices.
- Braking Control Discount – Vehicles that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- No Claim Discounts – Insureds with no claims or accidents get the best auto insurance rates compared to frequent claim filers.
- Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
- Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.
The chart below visualizes the comparison of Honda Accord Crosstour auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.
Popular auto insurance companies and the discounts they provide are:
- 21st Century discounts include early bird, driver training, 55 and older, teen driver, anti-lock brakes, good student, and air bags.
- State Farm offers discounts for passive restraint, defensive driving training, good student, multiple policy, and multiple autos.
- AAA offers premium reductions for multi-policy, multi-car, good driver, education and occupation, anti-theft, and good student.
- Liberty Mutual has discounts for preferred payment discount, new move discount, multi-policy, multi-car, exclusive group savings, hybrid vehicle, and newly retired.
- Progressive may include discounts for multi-vehicle, homeowner, online signing, continuous coverage, good student, and multi-policy.
If you need lower rates, check with each insurance company which discounts they offer. Some credits may not apply to policyholders in Scottsdale. For a list of companies who offer cheap Honda Accord Crosstour insurance quotes in Arizona, click here.
Car insurance quotes from local Scottsdale insurance agencies
A small number of people just prefer to visit with an insurance agent and doing so can bring peace of mind A good thing about comparing rate quotes online is you may find cheap rate quotes and still have an agent to talk to.
To find an agent, once you fill out this simple form, your coverage information is instantly submitted to participating agents in Scottsdale that can provide free Scottsdale car insurance quotes and help you find cheaper coverage. You don’t have to find an agent due to the fact that quote results will go immediately to you. It’s the lowest rates and a licensed agent to work with. If you wish to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.
Finding the right insurance company should depend on more than just the premium amount. Any agent in Scottsdale should have no problem answering these questions:
- Does the agent have a valid license to sell insurance in Arizona?
- Do they regularly work with personal auto policies in Scottsdale?
- How long have they been in business?
- How much can you save by raising your physical damage deductibles?
- Which companies do they recommend if they are an independent agency?
Choose the right auto insurance agent
If you want to buy car insurance from a reliable insurance agent, you must know there are a couple different agency structures and how they can quote your rates. Agents in Scottsdale can be classified as either independent or exclusive depending on the company they work for.
Exclusive Car Insurance Agents
Agents of this type normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agencies are well trained on sales techniques which helps them sell on service rather than price. Consumers often use the same exclusive agent partially due to the brand name and solid financial strength.
Below are exclusive insurance agencies in Scottsdale who may provide you with comparison quotes.
- Shelley Anderson – State Farm Insurance Agent
8080 E Gelding Dr d106 – Scottsdale, AZ 85260 – (480) 941-2257 – View Map - Joe Lankau – State Farm Insurance Agent
10458 E Jomax Rd #105 – Scottsdale, AZ 85262 – (480) 585-5003 – View Map - Brenda Wix – State Farm Insurance Agent
6401 E Thomas Rd Suite 102 – Scottsdale, AZ 85251 – (480) 994-9200 – View Map
Independent Car Insurance Agencies
These type of agents are not employed by any specific company and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. If prices rise, they simply move the coverage in-house which requires no work on your part.
When comparing car insurance rates, you will want to check rates from several independent insurance agents so that you can do a thorough price comparison. Most can insure with companies you’ve never heard of which can save you money.
Shown below are independent insurance agents in Scottsdale that are able to give price quotes.
- Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map - Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map - JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map
Don’t assume everyone needs the same car insurance coverage
When choosing insurance from an agent or online for your personal vehicles, there really is no one size fits all plan. Your needs are unique to you.
For example, these questions might point out whether you would benefit from professional advice.
- Is my camper covered by my car insurance policy?
- Why am I required to get a high-risk car insurance policy?
- What is UM/UIM insurance?
- Is borrowed equipment or tools covered if stolen or damaged?
- Are there companies who specialize in insuring high-risk drivers?
- Why am I required to buy high-risk coverage?
- When should I not file a claim?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.
You can find cheap coverage
As you quote Scottsdale car insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
Affordable Honda Accord Crosstour insurance in Scottsdale is attainable online and also from your neighborhood Scottsdale agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and these regional insurance providers sell through local independent agents.
We just presented a lot of techniques to save on Honda Accord Crosstour insurance in Scottsdale. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with the least-expected company.
Additional resources
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- How Much is Auto Insurance for Real Estate Agents in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)