Cheapest Honda Accord Crosstour Insurance in Lincoln

Do you need a fast way to compare more competitive Honda Accord Crosstour insurance in Lincoln? Have you finally had enough of paying out the nose to pay insurance each month? Your situation is no different than many other Nebraska drivers.

Shockingly, most consumers in Nebraska kept their policy with the same company for over three years, and almost 40% of drivers have never compared quotes from other companies. American drivers could save 46.5% a year by just comparing rate quotes, but they don’t believe the actual amount they would save if they switched.

How to buy low-cost Honda Accord Crosstour insurance in Lincoln

The most effective way to get the cheapest Honda Accord Crosstour insurance is to make a habit of comparing prices annually from companies who provide auto insurance in Lincoln.

First, try to understand coverages and the modifications you can make to keep rates down. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and poor credit can be remedied by making small lifestyle or driving habit changes. Read the full article for tips to help prevent costly coverage and find available discounts that you may qualify for.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.

Third, compare the new rates to your current policy premium and determine if cheaper Accord Crosstour coverage is available. If you can save some money and make a switch, ensure there is no coverage lapse between policies.

Fourth, notify your agent or company of your intention to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new agent or company. As soon as you receive it, place the new proof of insurance certificate in an easily accessible location in your vehicle.

The key thing to know about shopping around is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote request and and to get rates from every company you can. This guarantees a fair rate comparison and the best price selection.

Vehicle owners have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to compare company pricing for Honda Accord Crosstour insurance in Lincoln.

Consumers should take time to compare premium rates periodically because prices fluctuate regularly. Despite the fact that you may have had the best rate on Honda Accord Crosstour insurance in Lincoln a year ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

The car insurance companies shown below are ready to provide quotes in Nebraska. If your goal is to find the best car insurance in Nebraska, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Cheaper rates with these discounts

Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so the below list has a few of the more common and the more hidden insurance savings.

• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
• Air Bags and Passive Restraints – Options like air bags or automatic seat belts could see savings of 20% or more.
• Defensive Driver Discount – Successfully completing a course teaching driver safety skills could possibly earn you a 5% discount and make you a better driver.
• Organization Discounts – Participating in a civic or occupational organization in Lincoln may earn a discount on your next insurance statement.
• Good Grades Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Own a Home and Save – Owning a house in Lincoln can help you save on insurance since owning and maintaining a home requires a higher level of personal finance.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.

The information below shows the difference between Honda Accord Crosstour insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

The best insurance companies and the discounts they provide are:

• State Farm has savings for Steer Clear safe driver discount, passive restraint, multiple policy, safe vehicle, and driver’s education.
• American Family may include discounts for TimeAway discount, defensive driver, Steer into Savings, good student, accident-free, and multi-vehicle.
• AAA includes discounts for anti-theft, good driver, multi-policy, pay-in-full, multi-car, AAA membership discount, and education and occupation.
• GEICO discounts include driver training, multi-policy, anti-theft, good student, air bags, and anti-lock brakes.
• Mercury Insurance offers premium reductions for good driver, good student, multi-policy, anti-theft, and annual mileage.
• Farmers Insurance may offer discounts for homeowner, early shopping, bundle discounts, switch companies, alternative fuel, and electronic funds transfer.
• Progressive offers discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, online signing, good student, and multi-policy.

If you need inexpensive Lincoln car insurance quotes, ask each company which discounts can lower your rates. Some discounts listed above might not apply in Lincoln. If you would like to view insurance companies with the best discounts in Nebraska, click here to view.

Honda Accord Crosstour insurance charts and tables

The premium table shown below highlights a range of insurance premium costs for Honda Accord Crosstour models. Having a good understanding how auto insurance prices are determined is important for you to make decisions when shopping your coverage around.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Lincoln garaging location which can influence coverage prices noticeably.

Policy deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below highlight the differences in price of buying low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific Lincoln garaging location which can lower or raise auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $13 more each month or $156 every year averaged for all Accord Crosstour models than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 19 months between claims, you would probably be better off going with the higher deductible. Here’s the way this calculation is made.

An important thing to remember is that raising deductibles means you pay more out-of-pocket when you have a claim. That will require some extra funds in the event you need to pay the deductible to have repairs made.

The diagram below illustrates how your deductible choice and can raise or lower Honda Accord Crosstour insurance rates for different age groups. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Does full coverage make sense?

The illustration below compares Honda Accord Crosstour insurance costs when comparing full coverage to liability only. The data assumes no violations or accidents, $100 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no specific rule to stop buying full coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Honda Accord Crosstour replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where removing full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

What Determines Honda Accord Crosstour Insurance Prices?

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this allows you to make good choices that may reward you with big savings. Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but other factors are more transparent like your vehicle usage or your commute time.

• Your address can influence price – Living in smaller towns and rural areas of the country may provide you with better prices when it comes to auto insurance. People in densely populated areas have much more traffic and more severe claims. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims.
• Adjust comp and collision deductibles and save – Comprehensive and collision coverage deductibles are how much you are required to spend before your auto insurance pays a claim. Physical damage protection, also called ‘full coverage’, insures against damage to your car. Some examples of covered claims could be rear-ending another vehicle, vandalism, and damage caused by road hazards. The more expense you’re willing to pay, the less your auto insurance will be.
• Save money by eliminating incidental coverages – There are many additional extra coverages that sound like a good idea at the time but may not be useful. Insurance for things like roadside assistance, towing coverage, and additional equipment coverage may be costing you every month. They may seem good at first, but if they’re wasting money eliminate them to save money.
• Pay less after the wedding – Having a significant other helps lower the price on auto insurance. Having a spouse usually means you are more mature and responsible and it’s proven that married drivers tend to file fewer claims.
• Vehicles with better crash test results are cheaper to insure – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Why do you need liability insurance? – Your policy’s liability coverage is the protection when you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Frequent auto insurance claims will cost you – If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Insurance companies in Nebraska award cheaper rates to policyholders who are claim-free. Insurance coverage is designed for the large, substantial claims.

• Honda Accord Crosstour insurance loss data – Companies take into consideration historical loss data for every vehicle to calculate a price that will offset any claims. Models that the data determines to have high amounts or severity of claims will have a higher cost to insure.

  The table below shows the insurance loss data for Honda Accord Crosstour vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 represent a good loss history, while numbers above 100 point to more frequent losses or an increased chance of larger losses than average.

  
  

  Honda Accord Crosstour Insurance Claim Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Independent versus exclusive auto insurance agents

A lot of people still prefer to sit down with an agent and often times that is recommended Licensed agents are highly skilled in risk management and help in the event of a claim. A nice benefit of getting online price quotes is that drivers can save money and get cheap insurance quotes but still work with a licensed agent. And supporting local agencies is important particularly in Lincoln.

To make it easy to find an agent, after completing this short form, your information is sent to local insurance agents in Lincoln that can provide free Lincoln car insurance quotes for your insurance coverage. You won’t even need to contact an agency as quotes are delivered to you. If you wish to get a price quote from a specific company, you would need to find their quoting web page and complete a quote there.

The different types of auto insurance agents

When finding a local insurance agency, there are a couple of different types of agencies and how they can write your policy. Agents can be described as either exclusive agents or independent agents. Both sell affordable insurance policies, but it’s worth mentioning the subtle differences since it can affect the type of agent you choose.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.

When comparing rate quotes, we recommend you get quotes from a couple of independent agencies in order to compare the most rates.

Shown below is a small list of independent insurance agents in Lincoln that may be able to give you comparison quotes.

View more agents

Exclusive Agents

These type of agents can only quote rates from one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are usually well trained on their products and sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Lincoln that are able to give comparison quotes.

View more agents

Finding a good insurance agency shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.

• Are claim adjusters local or do you have to take your car somewhere else?
• Will they give you a referral list?
• How long has their agency been open in Lincoln?
• How would your car be valued if totaled?
• Will they make sure you get an adequate claim settlement?
• Do they have cheaper tiers of coverage?

In the end, you can save money

When searching for low cost Lincoln car insurance quotes, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Lower-priced Honda Accord Crosstour insurance in Lincoln is available on the web as well as from independent agents in Lincoln, so you should compare both so you have a total pricing picture. Some auto insurance companies don’t offer rates over the internet and many times these smaller companies only sell coverage through independent agencies.

Steps to finding discount Honda Accord Crosstour insurance in Lincoln

Truthfully, the best way to save on auto insurance rates is to annually compare prices from providers who provide car insurance in Lincoln. Rates can be compared by completing these steps.

1. It will benefit you to learn about car insurance and the measures you can take to keep rates low. Many policy risk factors that are responsible for high rates like traffic tickets, fender benders, and a poor credit rating can be amended by making small lifestyle or driving habit changes.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple sources.
3. Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save money and make a switch, ensure there is no coverage lapse between policies.

An important bit of advice to remember is to compare identical deductibles and limits on every quote request and and to get prices from every company you can. Doing this ensures a level playing field and the best price selection.

Additional articles

• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Who Has the Cheapest Car Insurance Rates for Police Officers in Lincoln? (FAQ)
• How Much are Car Insurance Quotes for 17 Year Olds in Lincoln? (FAQ)
• What Car Insurance is Cheapest for Young Drivers in Lincoln? (FAQ)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Shopping for a Safe Car (Insurance Information Institute)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance Facts and Statistics (Insurance Information Institute)