Best Ways to Save on Chandler Honda Accord Crosstour Insurance

Insurance rates Honda Accord Crosstour in ChandlerTo save the most money, the best way to find the cheapest price for Honda Accord Crosstour insurance is to make a habit of regularly comparing prices from providers in Chandler.

First, gain an understanding of auto insurance and the changes you can make to lower rates. Many risk factors that increase rates like your driving record and a substandard credit score can be rectified by making minor changes to your lifestyle. This article gives information to get lower rates and get discounts that may be available to you.

Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agents can provide price quotes from multiple companies.

Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.

The key aspect of shopping around is to use the same level of coverage on each quote request and to quote with as many different companies as possible. Doing this guarantees a fair price comparison and the best price quote selection.

We don’t have to tell you that car insurance companies don’t want you comparing rates. Drivers who shop around once a year will, in all likelihood, buy a new policy because there is a good probability of finding a policy with better rates. A study showed that people who compared prices regularly saved over $72 a month as compared to drivers who never shopped around for better prices.

If saving money on auto insurance is your intention, then knowing how to shop for coverages can make it easier to shop your coverage around.

Buy Chandler Honda Accord Crosstour insurance online

The car insurance companies shown below have been selected to offer free quotes in Arizona. If multiple companies are listed, we recommend you compare several of them in order to find the most affordable rates.

Honda Accord Crosstour insurance charts and tables

The rate table displayed next showcases a range of insurance policy prices for Honda Accord Crosstour models. Learning as much as possible about how insurance policy premiums are formulated can assist in making informed decisions when comparing rate quotes.


Honda Accord Crosstour Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $140 $282 $454 $26 $136 $1,038 $87
Accord Crosstour EX-L 2WD $140 $282 $454 $26 $136 $1,038 $87
Accord Crosstour EX-L 4WD $158 $332 $454 $26 $136 $1,106 $92
Accord Crosstour EX-L Navigation 2WD $158 $332 $454 $26 $136 $1,106 $92
Accord Crosstour EX-L Navigation 4WD $158 $332 $454 $26 $136 $1,106 $92
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific Chandler garaging location which can decrease or increase rates greatly.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The data tables below can help illustrate how much more rates are of buying low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.


Honda Accord Crosstour insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $232 $390 $374 $22 $112 $1,155 $96
Accord Crosstour EX-L 2WD $232 $390 $374 $22 $112 $1,155 $96
Accord Crosstour EX-L 4WD $262 $460 $374 $22 $112 $1,255 $105
Accord Crosstour EX-L Navigation 2WD $262 $460 $374 $22 $112 $1,255 $105
Accord Crosstour EX-L Navigation 4WD $262 $460 $374 $22 $112 $1,255 $105
Get Your Own Custom Quote Go

Honda Accord Crosstour insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $144 $246 $374 $22 $112 $898 $75
Accord Crosstour EX-L 2WD $144 $246 $374 $22 $112 $898 $75
Accord Crosstour EX-L 4WD $162 $290 $374 $22 $112 $960 $80
Accord Crosstour EX-L Navigation 2WD $162 $290 $374 $22 $112 $960 $80
Accord Crosstour EX-L Navigation 4WD $162 $290 $374 $22 $112 $960 $80
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in your specific Chandler location which can increase or decrease premiums noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $23 more each month or $276 annually than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 33 months between claims, you would more than likely save some money by going with a higher deductible. The table below shows a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): – $78
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One important issue to know is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. That will force you to have access to more funds in the event you need to pay the higher deductible in order to repair your vehicle.

Tickets and at-fault accidents raise rates

The example below highlights how speeding tickets and at-fault accidents increase Honda Accord Crosstour annual premium costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Learn How to Buy Auto Insurance at a Discount

Multiple criteria are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure such as whether you are married or how safe your car is. The best way to find cheaper auto insurance is to take a look at the factors that are used to determine the rates you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could help you find lower auto insurance prices.

The itemized list below are some of the major factors auto insurance companies consider when setting rates.

Choosing Accord Crosstour insurance is an important decision

Despite the fact that car insurance is not cheap in Chandler, car insurance serves a purpose in several ways.

The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. The average driver in Arizona overpays as much as $700 annually so you should quote your policy with other companies at least once a year to save money.

Best car insurance in Chandler

Finding a high-quality insurer can be a challenge considering how many companies there are in Arizona. The ranking information in the lists below can help you choose which coverage providers to look at comparing prices from.

Top 10 Chandler Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance