Compare Honda Accord Crosstour Insurance Quotes in Philadelphia

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Insurance quote for Honda Accord Crosstour in PhiladelphiaIf you've never shopped for Philadelphia auto insurance quotes online, most likely you are baffled by the vast assortment of insurers competing for your business.

It's an obvious conclusion that insurance companies don't want you to compare rates. People who compare rates at least once a year are very likely to move their business because there is a great chance of finding coverage at a more affordable price. A recent study showed that drivers who make a habit of shopping around saved as much as $860 a year compared to policyholders who never shopped around.

If finding the most affordable auto insurance in Philadelphia is your objective, then having some insight into how to get free comparison quotes and analyze coverage rates can save time and make the process easier.

If you already have coverage, you should be able to buy cheaper auto insurance using the ideas covered in this article. We hope to help educate you on how to effectively get price quotes and some money-saving tips. But Pennsylvania car owners can benefit by having an understanding of how the larger insurance companies calculate their prices because it varies considerably.

Companies offering Honda Accord Crosstour insurance in Pennsylvania

The car insurance companies shown below are ready to provide quotes in Philadelphia, PA. If the list has multiple companies, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Insurance rate breakdown

The coverage information displayed next showcases different insurance coverage prices for Honda Accord Crosstour models. Being aware of how premiums are determined can be useful when making smart choices when buying a car insurance policy.

Honda Accord Crosstour Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $254 $428 $412 $24 $124 $1,242 $104
Accord Crosstour EX-L 2WD $254 $428 $412 $24 $124 $1,242 $104
Accord Crosstour EX-L 4WD $288 $506 $412 $24 $124 $1,354 $113
Accord Crosstour EX-L Navigation 2WD $288 $506 $412 $24 $124 $1,354 $113
Accord Crosstour EX-L Navigation 4WD $288 $506 $412 $24 $124 $1,354 $113
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in zip code location which can modify auto insurance rates noticeably.

An analysis of deductible level

One common question asked by Philadelphia drivers is which deductible level should you buy. The comparisons below can help illustrate the rate difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Honda Accord Crosstour insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $254 $428 $412 $24 $124 $1,267 $106
Accord Crosstour EX-L 2WD $254 $428 $412 $24 $124 $1,267 $106
Accord Crosstour EX-L 4WD $288 $506 $412 $24 $124 $1,379 $115
Accord Crosstour EX-L Navigation 2WD $288 $506 $412 $24 $124 $1,379 $115
Accord Crosstour EX-L Navigation 4WD $288 $506 $412 $24 $124 $1,379 $115
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Honda Accord Crosstour insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $158 $270 $412 $24 $124 $988 $82
Accord Crosstour EX-L 2WD $158 $270 $412 $24 $124 $988 $82
Accord Crosstour EX-L 4WD $178 $318 $412 $24 $124 $1,056 $88
Accord Crosstour EX-L Navigation 2WD $178 $318 $412 $24 $124 $1,056 $88
Accord Crosstour EX-L Navigation 4WD $178 $318 $412 $24 $124 $1,056 $88
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can affect premiums greatly.

Based on this data, using a $250 deductible could cost the average driver approximately $25 more each month or $300 annually averaged for all Accord Crosstour models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 30 months between claim filings, you would save money by selecting a higher deductible.

Liability only or full coverage

The diagram below illustrates the difference between Honda Accord Crosstour insurance premiums when comparing full coverage to liability only. The data is based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop paying for full coverage

There isn't a written rule for excluding physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Honda Accord Crosstour book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If premiums are more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Discounts mean cheaper rates for Honda Accord Crosstour insurance in Philadelphia

Auto insurance can be pricey, but there's a good chance there are discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be inquired about prior to getting the savings.Save money with discounts

  • Anti-lock Brake Discount - Vehicles that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Senior Citizen Discount - Drivers that qualify as senior citizens are able to get a small discount on rates.
  • Early Switch Discount - A few larger companies give discounts for signing up prior to your current Accord Crosstour insurance policy expiring. You may see this discount when you get Philadelphia auto insurance quotes online.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Discounts for Multiple Vehicles - Insuring all your vehicles with the same auto insurance company qualifies for this discount.
  • Buy New and Save - Putting insurance coverage on a new Accord Crosstour can be considerably cheaper since new model year vehicles have better safety ratings.
  • Home Ownership Discount - Simply owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • No Claim Discounts - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Good Student Discount - Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.

Keep in mind that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren't that generous.

The information below shows the difference between Honda Accord Crosstour annual premium costs with and without some available policy discounts. The data assumes a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

The best auto insurance companies and their offered discounts are:

  • GEICO may include discounts for multi-policy, federal employee, emergency military deployment, good student, anti-theft, anti-lock brakes, and military active duty.
  • Travelers policyholders can earn discounts including multi-policy, payment discounts, save driver, multi-car, and driver training.
  • Farm Bureau has discounts for 55 and retired, multi-policy, good student, multi-vehicle, youthful driver, and safe driver.
  • Liberty Mutual discounts include new vehicle discount, newly retired, multi-policy, teen driver discount, new graduate, and hybrid vehicle.
  • American Family may have discounts that include early bird, air bags, Steer into Savings, multi-vehicle, and defensive driver.
  • Progressive may offer discounts for online quote discount, online signing, homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.

Double check with every company to give you their best rates. A few discounts might not be offered in every state. To choose providers that provide some of the discounts listed above in Philadelphia, click this link.

How Insurance Providers Calculate Honda Accord Crosstour Insurance Costs

When buying insurance it's important to understand some of the factors that play a part in calculating your insurance rates. If you know what determines base rates, this allows you to make good choices that may result in cheaper rates. Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but some are less apparent such as your marital status or your commute time.

  • You might pay more if you are single - Having a wife or husband may save some money on your insurance policy. Having a significant other translates into being more mature and statistics prove drivers who are married file infrequent claims.
  • Save by driving vehicles with better crash test results - Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Honda scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Put fewer miles on your vehicle - The higher the mileage driven in a year the more it will cost to insure it. A lot of insurance companies rate vehicles based on their usage. Cars and trucks that sit idle most of the time receive lower rates than cars that get driven a lot. Verify your insurance declarations sheet states the correct driver usage. Improper usage on your Accord Crosstour may be costing you higher rates.
  • The higher your credit history the lower your costs - An insured's credit history is likely to be a major factor in your rate calculation. So if your credit score can use some improvement, you may save money insuring your Honda Accord Crosstour by improving your rating. Insureds that have good credit tend to be less risk to insure than drivers with lower ratings.
  • Cheaper rates with high comp and collision deductibles - Your deductibles represent how much money the insured will be required to pay if the claim is covered. Physical damage insurance, also called 'full coverage', is used to repair damage to your car. Some instances where coverage would apply are a windshield broken by a bird, damage from fire, and damage from wind. The more expense you pay before a claim is paid (deductible), the lower your rates will be.
  • Don't buy add-on coverages you don't need - There are quite a few extra bells and whistles that sound like a good idea at the time if you aren't careful. Insurance for coverage for rental cars, death and dismemberment, and additional equipment coverage are examples of these. They may sound like good ideas when you first buy your policy, but your needs may have changed so remove them and pocket the money.
  • Never let your insurance policy lapse - Having a gap between insurance policy dates is a sure-fire way to bump up your insurance costs. Not only will rates go up, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Where you live is a factor - Being located in a rural area has definite advantages if you are looking for the lowest rates. People who live in big cities have to deal with more aggressive driving styles and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
  • Insurance loss probability for a Honda Accord Crosstour - Insurance companies use past insurance losses to help calculate a profitable premium rate. Vehicles that statistically have high amounts or severity of claims will have a higher cost to insure.

    The information below illustrates the historical loss data for Honda Accord Crosstour vehicles. For each coverage category, the loss probability for all vehicles averaged together is equal to 100. Numbers that are below 100 indicate a favorable loss history, while values that are 100 or greater point to more frequent losses or an increased chance of larger losses than average.

    Honda Accord Crosstour Insurance Claim Statistics
    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
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't assume everyone needs the same car insurance coverage

Keep in mind that when it comes to choosing a policy, there really is not a single plan that fits everyone. Your needs are unique to you and your car insurance should be unique as well.Car insurance savings Here are some questions about coverages that could help you determine whether your personal situation could use an agent's help.

  • Is my vehicle covered by my employer's policy when using it for work?
  • What does UM/UIM cover?
  • What are the best liability limits?
  • Are my friends covered when driving my car?
  • Does my insurance cover a custom paint job?
  • Is my custom stereo system covered?
  • When should I drop full coverage on my Honda Accord Crosstour?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance quotes from neighborhood Philadelphia auto insurance agents

Certain consumers just prefer to sit down with an agent and that is not a bad decision An additional benefit of comparing rate quotes online is that drivers can save money and get better rates but also keep your business local. And providing support for local insurance agents is still important in Philadelphia.

Insurance agents in PhiladelphiaAfter filling out this simple form, your insurance data is sent to local insurance agents that give free quotes for your car insurance coverage. You won't need to find an agent on your own due to the fact that quote results will go to the email address you provide. You can most likely find cheaper rates and a licensed agent to talk to. If you wish to compare rates for a specific company, you can always jump over to their website and submit a quote form there.

Below are agents in Philadelphia who can help you get rate quotes for Honda Accord Crosstour insurance in Philadelphia.

View more Philadelphia agents

Picking an insurance company needs to be determined by more than just a cheap price. Any good agent in Philadelphia should know the answers to these questions.

  • Will the quote change when the policy is issued?
  • Are they properly licensed to sell insurance in Pennsylvania?
  • What is their Better Business Bureau rating?
  • Can you choose the body shop in case repairs are needed?
  • How long has their agency been open in Philadelphia?
  • Will they make sure you get an adequate claim settlement?
  • Is there a 24/7 contact number?

Don't give up on cheap coverage

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Affordable Honda Accord Crosstour insurance in Philadelphia can be purchased on the web and from local insurance agents, so get free Philadelphia auto insurance quotes from both of them to have the best rate selection. A few companies may not provide price quotes online and many times these regional insurance providers sell through independent agents.

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