Cheapest Insurance for a Honda Accord Crosstour in Nashville

If your goal is the lowest price, then the best way to get the cheapest Honda Accord Crosstour insurance is to compare quotes annually from companies that sell auto insurance in Nashville.

1. Gain an understanding of how car insurance works and the modifications you can make to keep rates low. Many risk factors that drive up the price like at-fault accidents, careless driving, and an unacceptable credit history can be improved by making minor changes to your lifestyle.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates for many different companies.
3. Compare the price quotes to your existing rates and determine if cheaper Accord Crosstour coverage is available in Nashville. If you find better rates and decide to switch, ensure coverage does not lapse between policies.
4. Provide adequate notice to your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for the new policy. Once received, place the new certificate of insurance in an easily accessible location in your vehicle.

One tip to remember is to use identical coverage information on each price quote and and to get price estimates from as many auto insurance providers as possible. Doing this enables a level playing field and a complete price analysis.

It’s an obvious assumption that insurance companies don’t want you quoting rates from other companies. People who shop around at least once a year will, in all likelihood, move their business because there is a great chance of finding a policy with better rates. A study showed that people who compared rate quotes regularly saved on average $860 a year compared to drivers who never shopped around for cheaper prices.

If finding the lowest price for auto insurance is your intention, then knowing how to compare insurance rates can help you succeed in finding affordable rates.

Locating the best rates in Nashville is much easier if you know where to start. If you are already insured, you will definitely be able to get lower rates using the concepts covered in this article. Drivers just have to use the most efficient way to compare insurance rates online from multiple companies.

Companies offering Honda Accord Crosstour insurance in Nashville

The companies shown below offer free rate quotes in Nashville, TN. To find cheap auto insurance in Nashville, TN, we suggest you compare several of them to get the lowest price.

Analysis of Honda Accord Crosstour rates

The coverage table displayed below highlights a range of coverage prices for Honda Accord Crosstour models. Knowing how rates are established can benefit drivers when making decisions on which coverage to buy.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in vehicle garaging location which can affect auto insurance rates considerably.

How high should deductibles be?

A question often asked by Nashville drivers is the level to set your comp and collision deductibles. The figures shown below lay out the rate differences when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in your specific Nashville location which can affect auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $23 more each month or $276 for a full year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 33 months between claims, you would save more money if you choose a higher deductible. The numbers below show how you can make your own decision.

The diagram below highlights how deductible selection and can change Honda Accord Crosstour insurance rates for different age groups. Data assumes a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Nashville auto insurance discounts

Insurance can be prohibitively expensive, but you may be missing some discounts that you may not even be aware of. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically before you get the savings.

• Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
• Nashville Homeowners Discount – Owning a house in Nashville may earn you a small savings since home ownership means you have a higher level of financial diligence.
• Lower Rates for Military – Being on active deployment in the military may lower your premium rates slightly.
• Distant College Student Discount – Kids living away from Nashville attending college and leave their car at home may qualify for this discount.
• Sign Early and Save – Some auto insurance companies give discounts for signing up prior to your current Accord Crosstour insurance policy expiring. The savings is around 10%.
• Air Bag Discount – Factory options such as air bags may get savings up to 30%.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
• ABS Braking Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• 55 and Retired – Seniors may qualify for a small decrease in premiums.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

The illustration below shows the comparison of Honda Accord Crosstour insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no claims, a clean driving record, Tennessee state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

Large auto insurance companies and the discounts they provide are detailed below.

• American Family may offer discounts for defensive driver, air bags, early bird, Steer into Savings, TimeAway discount, good driver, and accident-free.
• Nationwide may include discounts for good student, defensive driving, family plan, easy pay, and multi-policy.
• MetLife includes discounts for accident-free, claim-free, good student, multi-policy, good driver, and defensive driver.
• 21st Century discounts include defensive driver, homeowners, driver training, 55 and older, early bird, automatic seat belts, and theft prevention.
• Farmers Insurance offers discounts including good student, switch companies, mature driver, teen driver, business and professional, and early shopping.
• Allstate offers discounts for good payer, passive restraint, 55 and retired, defensive driver, and farm vehicle.

It’s a good idea to ask all the companies the best way to save money. Some discounts listed above may not be available in Nashville. To choose auto insurance companies that have a full spectrum of discounts in Nashville, follow this link.

Honda Accord Crosstour Insurance Costs Can Be More Affordable

Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, although some other factors are more obscure such as whether you are married and annual miles driven.

• Costs may be higher where you live – Being located in less populated areas is a good thing when it comes to insurance. Fewer drivers on the road means fewer accidents in addition to fewer liability claims. Residents of big cities regularly have much more traffic and higher rates of accident claims. More time on the road means higher likelihood of an accident.
• Liability protection is peace of mind – Your insurance policy’s liability coverage will protect you when you are responsible for damages from an accident. Your policy’s liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
• Vocation can influence rates – Careers such as real estate brokers, airline pilots, and stock brokers have higher premiums than the average policyholder due to intense work situations and lengthy work days. Conversely, occupations like farmers, students and homemakers get better rates.
• File insurance claims and pay more – Companies in Tennessee generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended for more catastrophic claims.
• Cut prices and deter theft – Owning a car that has a built-in theft deterrent system can help lower your premiums. Systems that thwart thieves such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

• Insurance loss statistics a Honda Accord Crosstour – Insurers use data from past claims when determining insurance prices. Vehicles that are shown to have increased claim numbers or amounts will cost more to insure.

  The table shown below demonstrates the loss history for Honda Accord Crosstour vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Percentages below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Car Insurance Loss Data for Honda Accord Crosstour Models

  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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Get rate quotes but still have a local Nashville insurance agent

A small number of people just prefer to go talk to an agent and we recommend doing that Insurance agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of comparing rates online is that you can obtain the best rates but also keep your business local.

Once you complete this simple form, your insurance coverage information is sent to agents in your area who will give you quotes for your insurance coverage. There is no reason to find an agent on your own due to the fact that quote results will go instantly to you. If you wish to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and complete a quote there.

Finding the right insurer requires more thought than just a low price. These are valid questions to ask:

• Do they have any clout with companies to ensure a fair claim settlement?
• Will the company cover a rental car if your car is getting fixed?
• Do they get extra compensation for selling add-on coverages?
• Is insurance their full-time profession?
• Can you get a list of referrals?
• Do they have designations such as AIC, CPCU, or CIC?
• If you raise deductibles, how much can you save?
• Are aftermarket or OEM parts used to repair vehicles?

If you are wanting to purchase insurance from a reliable insurance agent, you should know the different types of agencies that you can select. Agents may be either exclusive or independent (non-exclusive). Both write insurance policies, but it’s good to learn how they are different since it can impact the type of agent you choose.

Exclusive Insurance Agents

These agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Nashville that are able to give price quotes.

View more Nashville agents

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If you want to switch companies, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you contact a few independent agents so that you can do a thorough price comparison.

The following are Nashville independent agents who can help you get comparison quotes.

View more Nashville agents

In Summary

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your objective should be to find the BEST coverage at the best price while still protecting your assets.

We just covered many ways to shop for Honda Accord Crosstour insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premium rates are with a small mutual company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.

Additional detailed information can be read by following these links:

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• What is the Cheapest Auto Insurance in Nashville, Tennessee? (FAQ)
• How Much is Car Insurance for Police Officers in Nashville? (FAQ)
• Who Has Affordable Nashville Car Insurance Rates for a Chevrolet Equinox? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Nashville? (FAQ)
• Who Has Affordable Auto Insurance for Immigrants in Nashville? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)