Do you want an efficient way to compare the cheapest Honda Accord Crosstour insurance in Honolulu? I really doubt anyone looks forward to buying car insurance, especially when they know they could lower their rates if they shopped around.
It’s safe to assume that car insurance companies don’t want you comparing rates. People who shop around annually will presumably switch car insurance companies because the odds are good of getting low-cost coverage. A recent survey discovered that people who made a habit of comparing rates saved over $3,400 over four years compared to those who never shopped around for better prices.
If finding the cheapest rates on auto insurance is the reason you’re here, understanding how to find and compare coverages can make the process less intimidating.
Big companies like GEICO, Farmers Insurance and State Farm persitently shower you with advertising and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.
Finding Honda Accord Crosstour insurance in Honolulu, HI
Most of the larger companies such as State Farm and Allstate allow consumers to get insurance quotes on their websites. Comparing prices online for Honda Accord Crosstour insurance in Honolulu is pretty easy because you just enter the coverage amounts you desire as requested by the quote form. Once you submit the form, the quote system gets your driving record and credit report and returns a price quote based on these factors. Quoting online for Honda Accord Crosstour insurance in Honolulu simplifies rate comparisons, and it is important to do this if you are searching for the best insurance rates.
In order to compare pricing, compare quotes from the companies shown below. If you have coverage now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. Doing this assures you will receive an apples-to-apples comparison for the exact same coverage.
The following companies are ready to provide free rate quotes in Honolulu, HI. If multiple companies are shown, it’s highly recommended you visit as many as you can to get the best price comparison.
Lower-cost Honolulu auto insurance rates with discounts
Auto insurance is not inexpensive, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but some need to be asked for before you get the savings. If you do not check that you are getting every discount possible, you may be paying too high a price.
- Club Memberships – Being in a qualifying organization can get you a small discount on your next renewal.
- Discount for Home Ownership – Being a homeowner may earn you a small savings since owning and maintaining a home demonstrates responsibility.
- Multi-car Discount – Buying coverage for primary and secondary vehicles with one company can get a discount for every vehicle.
- Discounts for Cautious Drivers – Drivers without accidents can save up to 40% or more on their Honolulu auto insurance quote than drivers with accident claims.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn substantially lower prices.
- Lower Rates for Military – Having an actively deployed family member may lower your prices slightly.
- Multiple Policy Discount – When you have multiple policies with one company you could earn a discount of 10% to 20% off each policy.
- Paperless Signup – A handful of companies give back up to $50 get Honolulu auto insurance on the web.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
- Senior Citizens – Older drivers can get lower premium rates.
Remember that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
The chart below compares Honda Accord Crosstour car insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, homeowner, marriage, and claim-free discounts applied.
Companies and some of their more popular discounts are detailed below.
- American Family offers premium reductions for Steer into Savings, good student, multi-vehicle, accident-free, and good driver.
- Farm Bureau offers discounts including good student, safe driver, youthful driver, multi-vehicle, multi-policy, driver training, and 55 and retired.
- State Farm may have discounts that include passive restraint, defensive driving training, safe vehicle, multiple policy, driver’s education, and multiple autos.
- Travelers may offer discounts for multi-policy, driver training, IntelliDrive, home ownership, multi-car, and hybrid/electric vehicle.
- The Hartford has discounts for anti-theft, vehicle fuel type, air bag, good student, bundle, driver training, and defensive driver.
- GEICO policyholders can earn discounts including multi-vehicle, multi-policy, federal employee, membership and employees, and emergency military deployment.
- Progressive offers discounts for homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
Before buying, ask all the companies to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in every state.
Honda Accord Crosstour detailed coverage information
The coverage table shown next highlights detailed analysis of insurance coverage prices for Honda Accord Crosstour models. Having a good grasp of how premiums are established can benefit drivers when making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord Crosstour EX 2WD||$224||$474||$400||$24||$120||$1,242||$104|
|Accord Crosstour EX-L 2WD||$224||$474||$400||$24||$120||$1,242||$104|
|Accord Crosstour EX-L 4WD||$252||$558||$400||$24||$120||$1,354||$113|
|Accord Crosstour EX-L Navigation 2WD||$252||$558||$400||$24||$120||$1,354||$113|
|Accord Crosstour EX-L Navigation 4WD||$252||$558||$400||$24||$120||$1,354||$113|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Honolulu which can change coverage prices considerably.
The diagram below shows how different deductible levels and can influence Honda Accord Crosstour insurance premiums for different age categories. The data assumes a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
How accidents and violations affect rates
The illustration below illustrates how speeding tickets and accidents impact Honda Accord Crosstour premium costs for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Honda Accord Crosstour liability rates compared to full coverage
The example below compares Honda Accord Crosstour insurance rates with full coverage compared to only the Hawaii minimum liability coverage. The premiums are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.
When to stop paying for full coverage
There is no clear-cut formula to drop full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Honda Accord Crosstour claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
How to find a good Honolulu car insurance company
Insuring your vehicle with the best auto insurance company can be challenging considering how many different companies insure vehicles in Hawaii. The ranking information shown below could help you select which car insurance providers to look at purchasing a policy from.
Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- Liberty Mutual – 88%
- Allstate – 88%
- Esurance – 87%
- Progressive – 87%
Smart Consumers Can Lower Insurance Rates
Smart consumers have a good feel for some of the factors that aid in calculating the rates you pay for insurance. If you know what impacts premium levels, this enables you to make decisions that can earn you lower rates. Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, although others are more transparent like your continuous coverage or how safe your car is.
Lower comp and collision deductibles cost more – Deductibles for physical damage define the amount you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be rear-ending another vehicle, fire damage, and damage from wind. The more you pay before a claim is paid (deductible), the lower your rates will be.
Your location is important – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Fewer people means reduced accidents and lower theft and vandalism rates. City drivers have more road rage incidents and more severe claims. The longer drive time translates into higher accident risk.
Compare rates if you combine your policies – Some insurance companies will give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to get quotes from other companies to confirm you are receiving the best rates possible.
Certain occupations pay higher rates – Did you know your occupation can influence how much you pay for insurance? Careers like judges, business owners, and emergency personnel tend to pay higher rates than average in part from intense work situations and long work days. On the flip side, occupations such as professors, students and homemakers receive lower rates.
You might pay higher prices if you are single – Having a wife or husband can get you a discount on your insurance bill. Marriage demonstrates that you tend to be more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
Liability coverage – Your insurance policy’s liability coverage will protect you if ever you are determined to be liable for an accident. Liability insurance provides for a legal defense which can cost a lot. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Too many claims drive up insurance rates – Auto insurance companies in Hawaii award discounts to drivers who file claims infrequently. If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended for more catastrophic claims.
Alarms and GPS tracking lower insurance rates – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
Insurance losses for a Honda Accord Crosstour – Companies factor in historical loss data to calculate a price that offsets possible losses. Vehicles that the statistics show to have a trend towards higher claims will have a higher premium rate. The table below illustrates the historical insurance loss data for Honda Accord Crosstour vehicles.
For each policy coverage type, the claim amount for all vehicles as a whole is a value of 100. Numbers under 100 imply a favorable loss record, while numbers that are greater than 100 indicate frequent claims or tendency to have larger claims.
|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 from IIHS.org for 2013-2015 Model Years