How to Compare San Antonio Honda Accord Crosstour Insurance

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Insurance quote for Honda Accord Crosstour in San AntonioHow many times have you said it's time to compare more competitive Honda Accord Crosstour insurance in San Antonio? Wish you could get a refund on overpriced Honda Accord Crosstour insurance in San Antonio? Don't feel bad because many San Antonio consumers feel financially strained by their car insurance policy.

It's astonishing, but almost 70% of insureds have purchased from the same company for at least the last four years, and roughly 40% of drivers have never shopped around. San Antonio drivers can save approximately 70% each year just by shopping around, but they just don't understand the actual amount they would save if they switched. You have so many insurance companies to pick from, and even though it's nice to be able to choose, it can be more difficult to compare rates for Honda Accord Crosstour insurance in San Antonio.

Pricing the most affordable coverage in San Antonio can be fairly easy. If you have a current insurance policy or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Vehicle owners just have to learn the proper methods to shop for insurance from many companies at once.

Get cheaper Honda Accord Crosstour insurance in San Antonio with discounts

Auto insurance companies don't list every policy discount very clearly, so the list below details a few of the more common and the more hidden credits available to lower your premiums when you buy San Antonio car insurance online. If you are not receiving all the discounts possible, you could be saving more on your insurance.Discount insurance

  • Seat Belt Usage - Drivers who require all occupants to buckle up can save 10% or more off PIP or medical payments premium.
  • 55 and Retired - Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a San Antonio car insurance quote.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts may get savings up to 30%.
  • Policy Bundle Discount - If you have multiple policies with one company you could earn a discount of at least 10 to 15 percent or more.
  • Responsible Driver Discounts - Accident-free drivers may save up to 50% more than drivers with accident claims.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
  • Early Switch Discount - A few larger companies offer discounts for buying a new policy before your current Accord Crosstour insurance policy expires. You can save around 10% with this discount.
  • Discounts for Federal Employees - Employees or retirees of the government could provide a small rate reduction depending on your insurance provider.
  • Student Discount for Driver Training - Teen drivers should enroll in driver's education as it will make them better drivers and lower rates.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it's just not the way it works.

The information below illustrates the comparison of Honda Accord Crosstour annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving citations, Texas 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 safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

A list of insurance companies and some of the discounts can be read below.

  • AAA includes discounts for education and occupation, multi-policy, good student, multi-car, pay-in-full, and AAA membership discount.
  • Progressive offers premium reductions for continuous coverage, multi-vehicle, multi-policy, good student, and online signing.
  • State Farm policyholders can earn discounts including defensive driving training, passive restraint, Steer Clear safe driver discount, safe vehicle, multiple policy, good driver, and Drive Safe & Save.
  • Esurance offers discounts for renters, homeowner, multi-car, good driver, and DriveSense.
  • Nationwide has discounts for family plan, multi-policy, good student, easy pay, Farm Bureau membership, and defensive driving.

If you want low cost San Antonio car insurance quotes, ask every company what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders in San Antonio. To view providers that offer many of these discounts in San Antonio, click this link.

The companies shown below offer price quotes in San Antonio, TX. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.

Rates and information analytics

The premium information below highlights a range of prices for Honda Accord Crosstour models. Learning a little about how policy premiums are determined can help customers make informed decisions when comparing rate quotes.

Honda Accord Crosstour Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $206 $412 $538 $32 $162 $1,350 $113
Accord Crosstour EX-L 2WD $206 $412 $538 $32 $162 $1,350 $113
Accord Crosstour EX-L 4WD $232 $486 $538 $32 $162 $1,450 $121
Accord Crosstour EX-L Navigation 2WD $232 $486 $538 $32 $162 $1,450 $121
Accord Crosstour EX-L Navigation 4WD $232 $486 $538 $32 $162 $1,450 $121
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in San Antonio location which can impact coverage rates considerably.

Higher deductibles save money

One of the most common car insurance questions is how high should the deductibles for physical damage be. The comparison tables below sum up how much more you'll pay when you select higher and lower coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Honda Accord Crosstour insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $328 $592 $476 $28 $142 $1,591 $133
Accord Crosstour EX-L 2WD $328 $592 $476 $28 $142 $1,591 $133
Accord Crosstour EX-L 4WD $370 $698 $476 $28 $142 $1,739 $145
Accord Crosstour EX-L Navigation 2WD $370 $698 $476 $28 $142 $1,739 $145
Accord Crosstour EX-L Navigation 4WD $370 $698 $476 $28 $142 $1,739 $145
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Honda Accord Crosstour insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $182 $312 $476 $28 $142 $1,140 $95
Accord Crosstour EX-L 2WD $182 $312 $476 $28 $142 $1,140 $95
Accord Crosstour EX-L 4WD $206 $368 $476 $28 $142 $1,220 $102
Accord Crosstour EX-L Navigation 2WD $206 $368 $476 $28 $142 $1,220 $102
Accord Crosstour EX-L Navigation 4WD $206 $368 $476 $28 $142 $1,220 $102
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can revise premiums considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $41 more each month or $492 a year across all Honda Accord Crosstour models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 22 months between claim filings, you would probably save some money if you decide on a higher deductible.

The diagram below demonstrates how deductibles and can increase or decrease Honda Accord Crosstour insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Honda Accord Crosstour liability rates compared to full coverage

The diagram below compares Honda Accord Crosstour insurance rates with and without physical damage coverage. The costs are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision coverage

There isn't a steadfast formula to exclude 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 replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Honda Accord Crosstour replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your deductible. If you are paying over $600 annually for physical damage coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Get rate quotes but still have a local San Antonio insurance agent

Certain consumers still prefer to get professional advice from a licensed agent and that can be a great decision Professional insurance agents are trained to spot inefficiencies and will help you if you have claims. An additional benefit of price shopping on the web is that you can find cheap car insurance quotes but still work with a licensed agent. And buying from local agencies is important particularly in San Antonio.

Insurance agency in San AntonioTo make it easy to find an agent, after completing this simple form, the quote information is immediately sent to local insurance agents who want to provide quotes for your coverage. You don't have to contact an agency as quotes are delivered to you. In the event you want to compare rates from a particular provider, feel free to go to their quote page and fill out their quote form.

Finding the right provider shouldn't rely on just a low price. Some important questions to ask are:

  • Is the agency involved in supporting local community causes?
  • What is their Better Business Bureau rating?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Can glass repairs be made at your home?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What are their preferred companies if they are an independent agency?
  • How is replacement cost determined on your vehicle?
  • How long has their agency been open in San Antonio?

Shop around and save

Some companies do not provide online rate quotes and usually these regional carriers prefer to sell through independent insurance agents. Budget-friendly car insurance in San Antonio can be sourced from both online companies in addition to local insurance agencies, so compare prices from both to have the best rate selection.

In this article, we covered many ideas to get a better price on Honda Accord Crosstour insurance in San Antonio. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best price on car insurance is with a smaller regional carrier. Smaller companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

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