Car Insurance Rates for a Honda Accord Crosstour in Phoenix

Want to learn how to save money and find more competitive Honda Accord Crosstour insurance in Phoenix? Are you baffled by the crazy number of auto insurance companies in Phoenix? You have so many companies available that it is a real hassle to compare premium rates on Honda Accord Crosstour insurance. Everyone knows Phoenix is the perfect city to reside in, but getting gouged by high auto insurance rates can make it nearly impossible for many drivers to keep a tight budget.

A recent NerdWallet.com study revealed that over 70% of consumers kept their policy with the same company for well over three years, and virtually 40% of consumers have never shopped around. Phoenix drivers could pocket almost 50% a year just by comparing rates, but they assume it’s a waste of time to save money by comparing rate quotes.

You should take the time to get comparison quotes every six months since insurance prices are rarely the same from one policy term to another. Just because you had the best price on Honda Accord Crosstour insurance in Phoenix a few years ago you will most likely find a better rate quote today. Ignore everything you know about auto insurance because you’re about to find out how to use online quotes to lower your rates without sacrificing coverage.

If you are already insured, you stand a good chance to be able to reduce premiums using the ideas presented in this article. Our objective in writing this article is to introduce you to how to effectively get price quotes and some tricks to saving. Nevertheless, Arizona vehicle owners can benefit by having an understanding of the way insurance companies calculate their prices because rates are impacted by many factors.

Car insurance providers offering competitive rate quotes in Arizona

The following companies provide price comparisons in Arizona. If multiple providers are shown, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in Phoenix location which can alter insurance rates substantially.

Higher deductibles save money

When shopping for auto insurance, a common question is which deductibles should you choose. The comparisons below can help you understand the rate differences when you buy lower versus higher policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in vehicle garaging location which can increase or decrease rates substantially.

Based on the above data, using a $250 deductible will cost you approximately $23 more each month or $276 for a full year than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 33 months between claims, you would probably come out ahead by selecting a higher deductible.

Comparison of policy deductibles

The example below shows how different deductible levels and can increase or decrease Honda Accord Crosstour insurance premiums for each different age group. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How accidents and tickets impact rates

The illustration below shows how traffic citations and at-fault collisions can raise Honda Accord Crosstour auto insurance rates for each different age group. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Get affordable Honda Accord Crosstour insurance in Phoenix with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but occasionally some discounts must be specially asked for before you get the savings. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.

• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
• College Student – Kids who are attending college and do not have access to a covered vehicle can receive lower rates.
• Cautious Drivers – Drivers without accidents can pay as much as 50% less than drivers with accidents.
• Fewer Miles Equal More Savings – Low mileage vehicles could earn lower auto insurance rates on the low mileage vehicles.
• Accident Waiver – This one isn’t a discount, but certain companies will allow you to have one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
• Senior Citizens – If you qualify as a senior citizen, you can get a small discount on rates.

As a sidenote, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But any discount will reduce the amount you pay for coverage.

If you would like to view companies offering auto insurance discounts in Arizona, click this link.

Buying from insurance agents

Many people still like to buy from a local agent and often times that is recommended One of the best bonuses of comparing insurance online is that you can obtain lower rates and also buy local. Buying insurance from local insurance agents is especially important in Phoenix.

To find an agent, once you fill out this form (opens in new window), the coverage information is emailed to local insurance agents that provide free Phoenix car insurance quotes to get your business. There is no need to leave your computer since rate quotes are delivered to the email address you provide. Get lower rates without requiring a lot of work. If you want to get a price quote from a specific insurance provider, you just need to find their quoting web page and give them your coverage information.

Finding the right insurance company requires more thought than just the price. Here are some questions to ask:

• Will the agent help in case of a claim?
• Can they help ensure a fair claim settlement?
• How are they compensated?
• Where would your vehicle be repaired?
• Do they write coverage based solely on cost?

Once you have received reasonable responses as well as offering an affordable quote, most likely you have located an insurer that is reputable and can properly insure your vehicles.

Truth in auto insurance advertising

Well-known auto insurance companies like Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to advertise claims about saving some big amount if you get a free Phoenix car insurance quote and switch your auto insurance coverage to their company. How is it plausible that every one can give you a better price on Honda Accord Crosstour insurance in Phoenix? It’s all in how they say it.

Many companies have a certain “appetite” for the type of driver that will not have excessive claims. For example, this type of risk profile may be a female over age 40, has no claims, and has a short commute. Anybody who matches those parameters will get the preferred prices in Phoenix and will probably save some money.

Consumers who do not fit those standards may receive higher premium rates and business not being written. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much money. This is how companies can truthfully claim big savings.

Each company has different criteria, so it’s extremely important to compare free Phoenix car insurance quotes often. Because you cannot predict with any certainty which company will provide you with the cheapest Honda Accord Crosstour insurance in Phoenix.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance – Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should consider buying more liability than the minimum.

Collision – This coverage covers damage to your Accord Crosstour caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Accord Crosstour to bring the cost down.

Comprehensive car insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from flooding and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, hospital visits, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

More quotes mean more car insurance savings

Some car insurance companies don’t offer the ability to get quotes online and these regional insurance providers sell through independent insurance agencies. Cheaper Honda Accord Crosstour insurance in Phoenix can be found online and from local agencies, and you should compare price quotes from both to get a complete price analysis.

When shopping online for car insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

You just learned many ideas to lower your Honda Accord Crosstour insurance auto insurance rates in Phoenix. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Phoenix car insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.

Additional resources

• Safety Tips for Teen Drivers (Insurance Information Institute)
• What Insurance is Cheapest for Inexperienced Drivers in Phoenix? (FAQ)
• Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Good Drivers in Phoenix? (FAQ)
• Who Has Cheap Phoenix Car Insurance for Seniors? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)