Finding the cheapest insurance for your Honda Accord Crosstour in California could be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for insurance and we'll show you the quickest way to price shop coverage for a new or used Honda and find the lowest possible price.
It is always a good idea to take a look at other company's rates as often as possible due to the fact that insurance prices trend upward over time. Even if you think you had the lowest price on Honda Accord Crosstour insurance in Santa Ana a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you're about to find out the right way to buy cheaper Honda Accord Crosstour insurance in Santa Ana.
Buying the cheapest insurance in Santa Ana is much easier if you know where to start. If you're already insured or just want cheaper coverage, use these tips to save money without having to cut coverage. Drivers just need to learn how to quote multiple rates online from multiple companies.
Low Cost companies for Honda Accord Crosstour insurance
The car insurance companies shown below provide quotes in California. If multiple companies are listed, we suggest you visit as many as you can to find the most competitive car insurance rates.
Honda Accord Crosstour insurance coverage information
The table displayed next covers different insurance prices for Honda Accord Crosstour models. Learning more about how car insurance prices are formulated can help you make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $434 | $686 | $724 | $42 | $216 | $2,102 | $175 |
| Accord Crosstour EX-L 2WD | $434 | $686 | $724 | $42 | $216 | $2,102 | $175 |
| Accord Crosstour EX-L 4WD | $490 | $810 | $724 | $42 | $216 | $2,282 | $190 |
| Accord Crosstour EX-L Navigation 2WD | $490 | $810 | $724 | $42 | $216 | $2,282 | $190 |
| Accord Crosstour EX-L Navigation 4WD | $490 | $810 | $724 | $42 | $216 | $2,282 | $190 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Santa Ana location which can lower or raise coverage rates noticeably.
The illustration below shows how different deductible levels and can increase or decrease Honda Accord Crosstour insurance rates for each different age category. The costs are based on a single female driver, full coverage, and no policy discounts are applied.
Tickets and at-fault accidents raise rates
The example below illustrates how violations and at-fault claims raise Honda Accord Crosstour auto insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Discounts mean cheaper rates for Honda Accord Crosstour insurance in Santa Ana
Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts will apply at the time you complete a quote, but a few must be specially asked for in order for you to get them. If you're not getting every credit you qualify for, you are just wasting money.
- Senior Citizen Discount - Seniors may qualify for a discount up to 10%.
- Multiple Cars - Drivers who insure several vehicles on a single policy can reduce rates for all insured vehicles.
- Pay Early and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- Multiple Policy Discount - If you can combine your auto and home policy with the same insurance company you could save approximately 10% to 15%.
- Low Mileage - Low mileage vehicles may allow you to get lower premium rates on the low mileage vehicles.
- Discounts for Seat Belt Usage - Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
- Braking Control Discount - Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
- Home Ownership Discount - Owning a home in Santa Ana can get you a discount because it requires a higher level of personal finance.
One thing to note about discounts is that some credits don't apply to the whole policy. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, it just doesn't work that way. But any discount will cut the amount you have to pay.
The illustration below compares Honda Accord Crosstour insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.
To choose companies who offer free Honda Accord Crosstour insurance quotes in California, follow this link.
What Determines Honda Accord Crosstour Insurance Premiums?
Many factors are considered when quoting car insurance. A few of the factors are predictable like your driving record, although others are not quite as obvious like your vehicle usage or your financial responsibility.
Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.
Deter vehicle theft - Owning a car with a theft deterrent system can earn a premium discount. Theft deterrent systems like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Use but don't abuse your insurance - Companies in California provide cheaper rates to drivers who are not frequent claim filers. If you're an insured who likes to file claims you can look forward to either higher rates or even cancellation. Your insurance policy is intended for major claims that would cause financial hardship.
Gender is a factor - Statistics have proven females are less aggressive when driving. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar numbers, but men tend to have higher claims. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
The chart below shows the comparison of Honda Accord Crosstour insurance prices for male and female drivers. Data assumes no accidents or driving violations, full coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.
How much liability do you need? - Your auto insurance policy's liability coverage will provide protection when you are found to be at fault for an accident. Your liability coverage provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
Premiums drop with age - Mature drivers are shown to be more cautious, file fewer claims, and usually have better credit. Young drivers are known to get distracted easily with other occupants in the car so they pay higher auto insurance rates.
The next chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
How credit score affects auto insurance rates - A driver's credit score will be a significant factor in determining premium rates. Therefore, if your credit rating is lower than you'd like, you could be paying less to insure your Honda Accord Crosstour by improving your rating. Drivers who have excellent credit scores tend to be better risks to insure than those with lower credit ratings.
Big city or small town - Living in a rural area has it's advantages when insuring your vehicles. Drivers in populated areas regularly have more auto accidents and a longer drive to work. Less people means fewer accidents.
Your occupation can affect rates - Do you work in a high-stress field? Jobs such as fire fighters, executives, and accountants generally have higher premium rates because of job stress and long work days. Conversely, careers such as scientists, students and performers have lower than average premiums.
Honda Accord Crosstour insurance loss probability - Companies include the past claim history for a vehicle in order to profitably underwrite each model. Vehicles that are shown to have higher claim frequency or loss amount will have a higher premium rate. The next table illustrates the compiled insurance loss statistics for Honda Accord Crosstour vehicles.
For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers under 100 mean the vehicle has better than average losses, while percentages above 100 indicate more frequent losses or a tendency for claims to be larger.
| 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
Situations that may require an agent's advice
Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really isn't a "perfect" insurance plan. You are unique so this has to be addressed.
These are some specific questions may help you determine whether you could use an agent's help.
- Am I covered if my car is in a flood?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When should my teen driver be added to my policy?
- What vehicles should carry emergency assistance coverage?
- Can I make deliveries for my home business?
- Does low annual mileage earn a discount?
- What is high-risk coverage and where do I buy it?
- What if I don't agree with a claim settlement offer?
- Should I file a claim if it's only slightly more than my deductible?
If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Insurance agent or online?
Some people still prefer to have an agent's advice and that is a personal choice. Agents can help you choose the best coverages and give you someone to call. The biggest benefit of getting online price quotes is you can get the lowest rates and still choose a local agent.
By using this form (opens in new window), your coverage information is transmitted to local insurance agents who will give you quotes to get your business. You never need to contact any insurance agencies because prices are sent instantly to you. In the event you want to get a comparison quote for a specific company, just visit that company's website and fill out the quote form the provide.
Selecting an company should include more criteria than just the price. Here are some questions you might want to ask.
- If independent agents, which companies do they recommend?
- Is insurance their full-time profession?
- What insurance companies do they work with in Santa Ana?
- Will the company cover a rental car if your car is getting fixed?
- Are they able to provide referrals?
- How many years have they been established?
- Are they able to influence company decisions when a claim is filed?
If you are wanting to find a local insurance agency, you must know there are a couple different agency structures and how they can service your needs differently. Insurance agencies in Santa Ana can be described as either exclusive or independent (non-exclusive). Both can handle car insurance, but it's important to point out how they differ because it can factor into the selection process.
Exclusive Agents
Agents that choose to be exclusive generally can only insure with one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide other company's prices so you need to shop around if the rates are high. Exclusive insurance agents are well trained on sales techniques which helps overcome the inability to quote other rates. Many people buy from the same agent for years mostly because of the brand legacy instead of buying on price only.
The following are exclusive insurance agencies in Santa Ana who can help you get rate quotes.
- Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map - Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344 - View Map - Monica Drevon - State Farm Insurance Agent
3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map
Independent Agents
Independent insurance agents can sell policies from many different companies and that gives them the ability to insure with lots of companies and get you the best rates possible. If prices rise, they can switch companies in-house and you don't have to find a new agent.
If you are trying to find cheaper rates, you need to get some free quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.
The following are independent insurance agents in Santa Ana that can give you price quote information.
- Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - View Map - Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700 - View Map - Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map
If you feel you receive acceptable answers for all questions you ask as well as offering an affordable quote, chances are good that you have found an insurance agency that will provide car insurance coverage. But keep in mind you are able to cancel your coverage any time you want so never feel you're contractually obligated to your new company for the full policy term.
Cheap coverage is out there
We just showed you some good ideas how to reduce Honda Accord Crosstour insurance rates online in Santa Ana. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding affordable Honda Accord Crosstour insurance quotes. You may even discover the best price on car insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
As you restructure your insurance plan, it's very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits only to regret at claim time they didn't purchase enough coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.
Low-cost Honda Accord Crosstour insurance in Santa Ana is available both online as well as from independent agents in Santa Ana, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online quoting and most of the time these smaller providers sell through independent agents.
Steps to finding affordable Honda Accord Crosstour insurance in Santa Ana
If saving the most money is your goal, then the best way to find cheaper quotes for auto insurance rates is to begin comparing prices regularly from providers in Santa Ana. Prices can be compared by following these guidelines.
- It will benefit you to learn about how car insurance works and the measures you can take to prevent rate increases. Many rating criteria that cause high rates like inattentive driving and a less-than-favorable credit score can be controlled by making minor changes in your lifestyle.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.
- Compare the quotes to your existing coverage and determine if cheaper Accord Crosstour coverage is available in Santa Ana. If you can save money, make sure there is no coverage gap between policies.
- Provide notification to your current company of your intent to cancel your existing policy. Submit the completed application along with a down payment to your new carrier. Once received, put the certificate verifying proof of insurance along with the vehicle's registration papers.
One key aspect of rate comparisons is to make sure you enter identical limits and deductibles on every quote request and and to look at every company you can. This provides a level playing field and a thorough selection of prices.
Even more information is available by following these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Cheap Santa Ana Auto Insurance for 18 Year Olds? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for High Risk Drivers? (FAQ)
- How Much is Auto Insurance for a 20 Year Old Female in Santa Ana? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)