If you’re shopping for lower-priced insurance on the web, are you frustrated by the dozens of car insurance choices in your area? Many other drivers are too. Kentucky people have so many choices that it can easily turn into a burden to find lower rates on Honda Accord Crosstour insurance. Louisville is an awesome place to live, but budgeting for expensive car insurance can make it very difficult to be able to afford adequate car insurance coverage limits.
It’s an obvious conclusion that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop for lower rates will presumably switch car insurance companies because there is a great chance of finding more affordable rates. A recent survey revealed that drivers who compared rates once a year saved approximately $865 annually as compared to drivers who never compared rates.
If finding the cheapest rates on insurance is your intention, then learning a little about the best way to compare coverage rates can help make the process easier.
You should take the time to compare rates quite often since insurance prices change frequently. Even if you think you had the best quotes on Honda Accord Crosstour insurance in Louisville last year you can probably find a lower rate today. There is a lot of bad advice regarding Accord Crosstour insurance on the internet, but by reading this article, you’re going to learn some proven techniques to quit paying high car insurance rates in Louisville.
Louisville insurance discounts for a Honda Accord Crosstour
Car insurance is not cheap nor is it fun to buy but there could be significant discounts that can dramatically reduce your bill. Certain credits will be shown at the time of quoting, but a few must be asked for before being credited.
- Paperless Signup – A few car insurance companies will give a small break for buying your policy over the internet.
- Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount for every vehicle.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
- Payment Discounts – By making one initial payment rather than spreading payments over time you could save 5% or more.
- Military Rewards – Having a deployed family member may lower your car insurance rates slightly.
- Accident-Free Discounts – Claim-free drivers can save substantially in comparison to frequent claim filers.
- Discounts for Responsible Drivers – Drivers without accidents can save as much as half off their rates than drivers with accidents.
- Policy Bundle Discount – If you combine your home and auto policies with one insurance company they may give you a discount of approximately 10% to 15%.
- Driving Data Discount – Drivers who elect to allow driving data collection to track driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.
- Senior Discount – Drivers over the age of 55 could receive better car insurance rates.
Remember that most credits do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.
The chart below shows the comparison of Honda Accord Crosstour annual premium costs with and without some available policy discounts. The data assumes a male driver, no claims or driving citations, Kentucky 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 safe-driver, multi-policy, marriage, homeowner, multi-car, and claim-free discounts applied.
A list of car insurance companies and a partial list of their discounts can be found below.
- GEICO has discounts for seat belt use, multi-policy, defensive driver, military active duty, and emergency military deployment.
- Travelers has savings for home ownership, payment discounts, multi-car, continuous insurance, multi-policy, and new car.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, multi-vehicle, good student, multi-policy, and safe driver.
- Liberty Mutual offers discounts for new move discount, multi-car, preferred payment discount, new vehicle discount, and hybrid vehicle.
- American Family may offer discounts for early bird, air bags, accident-free, bundled insurance, good student, good driver, and defensive driver.
- Progressive offers premium reductions for continuous coverage, homeowner, online quote discount, online signing, multi-vehicle, and good student.
When comparing rates, check with all the companies how many discounts you can get. Some discounts listed above might not apply in your area. To find car insurance companies with discount rates in Kentucky, click this link.
All the larger auto insurance companies like State Farm, GEICO and Progressive allow consumers to get prices directly from their websites. Getting online quotes for Honda Accord Crosstour insurance in Louisville is possible for anyone as you simply enter your coverage information into a form. After you submit the form the quote system requests your driving record and credit report and gives you a price quote based on these and other factors.
Using the web to get quotes for Honda Accord Crosstour insurance in Louisville streamlines rate comparisons, and it’s absolutely necessary to get many rate quotes in order to get a better rate.
To quickly fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended you input your coverages as shown on your current policy. This helps ensure you’re receiving a rate comparison for the exact same coverage.
The companies in the list below provide price quotes in Louisville, KY. To buy the cheapest auto insurance in Louisville, it’s a good idea that you visit several of them to get a more complete price comparison.
Facts and figures for Honda Accord Crosstour insurance
The coverage information displayed below covers a range of prices for Honda Accord Crosstour models. Learning a little about how car insurance premiums are formulated is important for making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $152 | $308 | $494 | $30 | $148 | $1,132 | $94 |
| Accord Crosstour EX-L 2WD | $152 | $308 | $494 | $30 | $148 | $1,132 | $94 |
| Accord Crosstour EX-L 4WD | $172 | $362 | $494 | $30 | $148 | $1,206 | $101 |
| Accord Crosstour EX-L Navigation 2WD | $172 | $362 | $494 | $30 | $148 | $1,206 | $101 |
| Accord Crosstour EX-L Navigation 4WD | $172 | $362 | $494 | $30 | $148 | $1,206 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in Louisville location which can influence insurance rates greatly.
Policy deductibles
A question often asked by Louisville drivers is how high or low should comp and collision deductibles be. The rates shown below summarize the rate differences when you buy lower versus higher physical damage deductibles. The first data set uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $252 | $426 | $408 | $24 | $122 | $1,257 | $105 |
| Accord Crosstour EX-L 2WD | $252 | $426 | $408 | $24 | $122 | $1,257 | $105 |
| Accord Crosstour EX-L 4WD | $284 | $500 | $408 | $24 | $122 | $1,363 | $114 |
| Accord Crosstour EX-L Navigation 2WD | $284 | $500 | $408 | $24 | $122 | $1,363 | $114 |
| Accord Crosstour EX-L Navigation 4WD | $284 | $500 | $408 | $24 | $122 | $1,363 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $156 | $268 | $408 | $24 | $122 | $978 | $82 |
| Accord Crosstour EX-L 2WD | $156 | $268 | $408 | $24 | $122 | $978 | $82 |
| Accord Crosstour EX-L 4WD | $176 | $316 | $408 | $24 | $122 | $1,046 | $87 |
| Accord Crosstour EX-L Navigation 2WD | $176 | $316 | $408 | $24 | $122 | $1,046 | $87 |
| Accord Crosstour EX-L Navigation 4WD | $176 | $316 | $408 | $24 | $122 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can change coverage rates noticeably.
Based on the data above, we can derive that using a $250 deductible costs approximately $25 more each month or $300 for a full year averaged for all Accord Crosstour models than opting for the higher $1,000 deductible. Because you would be required 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 least 30 months between claim filings, you would save money by going with a higher deductible. The numbers below show a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
The diagram below highlights how deductible selection and can influence Honda Accord Crosstour yearly insurance costs for different insured age categories. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
Insurance rates based on gender in Louisville
The chart below visualizes the comparison of Honda Accord Crosstour insurance costs for male and female drivers. The prices are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below visualizes the comparison of Honda Accord Crosstour auto insurance rates with full coverage compared to only the Kentucky minimum liability coverage. The premiums are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule for dropping full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Honda Accord Crosstour replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Why Your Insurance Premiums might be higher
Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are not as apparent such as your credit history or your vehicle rating. The best way to find cheaper auto insurance is to take a look at the different types of things that help calculate the rates you pay for auto insurance. If you have some idea of what determines premiums, this enables you to make decisions that will entitle you to cheaper rates.
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How’s your driving record? – Having a clean driving record can have a huge impact on auto insurance premiums. Even a single citation can increase rates by twenty percent. Good drivers get better prices compared to drivers with tickets. Drivers who have dangerous violations like reckless driving or DUI may need to maintain a SR-22 with their state in order to legally drive.
The diagram below illustrates how speeding tickets and accident claims influence Honda Accord Crosstour insurance costs for each age group. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
- High insurance claims frequency drives up rates – If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance companies in Kentucky award better rates to insureds who are not frequent claim filers. Your insurance policy is intended for claims that you cannot pay yourself.
- More stress means more cost – Did you know that where you work can have an impact on rates? Occupations like fire fighters, police officers, and financial analysts tend to have higher rates than average due to job stress and lengthy work days. On the other hand, professions such as actors, engineers and the unemployed have lower than average premiums.
- Never allow your auto insurance policy to lapse – Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Kentucky motor vehicle department.
- Liability safeguards assets – Your auto insurance policy’s liability coverage is the protection if you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
- Vehicles with better crash test results save money – Cars with five star safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Honda Accord Crosstour is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
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Claims statistics for a Honda Accord Crosstour – Insurers take into consideration historical loss data for every vehicle when determining insurance prices. Models that tend to have higher loss trends will have a higher premium rate.
The table below shows the insurance loss data for Honda Accord Crosstour vehicles. For each coverage type, the statistical loss for all vehicles combined as an average is equal to 100. Values that are under 100 suggest a positive loss record, while values that are above 100 indicate more frequent claims or a tendency for claims to be larger.
Honda Accord Crosstour Insurance Loss 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Everyone needs different insurance coverages
Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique.
For example, these questions can aid in determining whether or not you may require specific advice.
- What is medical payments coverage?
- Am I covered if I have no license?
- What is an adequate liability insurance limit?
- Am I insured when driving a different vehicle?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is my camper covered by my car insurance policy?
- Do I need PIP coverage since I have good health insurance?
- What is the minimum liability in Kentucky?
- When should my teen driver be added to my policy?
- How much will a speeding ticket raise my rates?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.
Independent and exclusive insurance agents
Many people would prefer to sit down and talk to an agent and we recommend doing that One of the benefits of comparing rate quotes online is the fact that you can find lower auto insurance rates and also buy local.
After filling out this short form, your information is immediately sent to companies in Louisville that can give you free Louisville auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house because prices are sent immediately to your email address. You can find lower rates without having to waste a lot of time. If you need to get a comparison quote from one company in particular, you would need to go to their quote page and fill out their quote form.
Picking an provider should include more criteria than just the price. Any agent in Louisville should be willing to answer these questions.
- Are there any extra charges for paying monthly?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agent properly licensed in Kentucky?
- Are they full-time agents?
- Is there a 24/7 contact number?
If you want local Louisville agents, it helps to know the two different types of agents and how they function. Insurance agencies in Louisville may be either independent or exclusive depending on the company they work for.
Exclusive Agents
Exclusive insurance agents generally can only insure with one company like American Family, State Farm, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents mainly due to the prominent brand name and solid financial strength.
Below are exclusive agencies in Louisville who can help you get price quotes.
- Troy Coulter – State Farm Insurance Agent
4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002 – View Map - Ivy Brito – State Farm Insurance Agent
4919 Dixie Hwy b – Louisville, KY 40216 – (502) 449-1362 – View Map - Mary Henry – State Farm Insurance Agent
5800 Bardstown Rd – Louisville, KY 40291 – (502) 491-7797 – View Map
Independent Agencies or Brokers
Agents that choose to be independent do not write with just one company so they can insure your vehicles with any number of different companies and find the cheapest rate. If your premiums go up, the business is moved internally and you stay with the same agent.
When comparing car insurance prices, we recommend you contact multiple independent agents to have the most options to choose from. They often place coverage with lesser-known insurance companies that many times have cheaper rates.
Below is a short list of independent agents in Louisville willing to provide price quote information.
- Schmidt Insurance Inc
7410 New La Grange Rd – Louisville, KY 40222 – (502) 429-0477 – View Map - Reeves Insurance Agency
3616 Dixie Hwy – Louisville, KY 40216 – (502) 448-6226 – View Map - Dolack Insurance Agency Inc.
4050 Westport Rd – Louisville, KY 40207 – (502) 333-0577 – View Map
Upon receiving good responses as well as an affordable premium quote, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles.
Car insurance protects more than just your car
Even though Louisville Accord Crosstour insurance rates can get expensive, maintaining insurance serves several important purposes.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability coverage if you don’t want to risk a ticket. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Accord Crosstour, it’s guaranteed your bank will force you to have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Honda at a much higher rate and require you to pay the higher price.
- Insurance protects both your car and your assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage.
The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying over $800 each year so compare rates once a year at a minimum to make sure the price is not too high.
Which car insurance company is best in Kentucky?
Finding a good quality car insurance company is hard considering how many different companies sell coverage in Kentucky. The ranking information listed below may help you analyze which providers to look at when comparing rate quotes.
Top 10 Louisville Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Louisville Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Don’t give up on affordable coverage
Some companies may not have price quotes online and usually these small, regional companies sell through independent insurance agents. Discount Honda Accord Crosstour insurance is available online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.
Drivers switch companies for a number of reasons such as policy non-renewal, delays in paying claims, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, choosing a new company is less work than it seems.
As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at a price you can afford while still protecting your assets.
How to find cheaper rates for Honda Accord Crosstour insurance in Louisville
It takes a few minutes, but the best way to get more affordable Honda Accord Crosstour insurance in Louisville is to start comparing rates regularly from companies that sell auto insurance in Kentucky. Prices can be compared by following these guidelines.
- First, spend a few minutes and learn about coverages and the modifications you can make to lower rates. Many rating factors that result in higher rates like at-fault accidents, careless driving, and a poor credit score can be remedied by making lifestyle changes or driving safer.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies.
- Third, compare the quotes to your existing rates and determine if there is any savings. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide written notification to your current company to cancel the current policy. Submit payment along with a signed and completed policy application for the new coverage. Be sure to safely store the certificate of insurance above your visor, in the console, or in the glove compartment.
The critical component of shopping around is to make sure you’re comparing identical deductibles and limits on every quote request and and to get price estimates from all possible companies. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Even more information is located by following these links:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- What Does No-Fault Insurance Cover? (Allstate)