Compare Honda Accord Crosstour Insurance Quotes in Oakland

If you want to save the most money, the best way to get low-cost car insurance rates in Oakland is to compare quotes annually from providers that sell auto insurance in California. You can compare prices by following these steps.

Step 1: Get a basic knowledge of the different coverages in a policy and the steps you can take to keep rates in check. Many policy risk factors that cause rate increases like multiple speeding tickets and a not-so-good credit history can be remedied by making minor changes in your lifestyle. Continue reading for additional tips to help prevent costly coverage and get additional discounts.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers.

Step 3: Compare the quotes to your current policy premium to see if a cheaper rate is available. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.

Step 4: Give notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new insurance company. As soon as coverage is bound, keep your new certificate verifying proof of insurance somewhere easily accessible.

A valuable tip to remember is to make sure you enter similar deductibles and liability limits on every price quote and and to get quotes from as many different companies as possible. This ensures a level playing field and the best price selection.

Astonishing but true, most drivers have bought auto insurance from the same company for at least four years, and roughly 40% of drivers have never quoted auto insurance rates at all. Oakland insurance shoppers could save themselves as much as 35% a year just by shopping around, but they don’t know how much savings they would realize if they moved their coverage to a different company.

Locating the best rates in Oakland can be made easier if you know where to look. If you have a current car insurance policy, you will surely be able to find the best rates using the techniques presented in this article. Drivers just need to learn the quickest way to find the lowest price on the web.

The car insurance companies shown below are our best choices to provide price comparisons in California. If you want to find the best cheap car insurance in CA, it’s a good idea that you visit several of them in order to find the lowest rates.

Auto insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Honda Accord Crosstour in Oakland, insuring your vehicle serves an important purpose.

• The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Accord Crosstour, more than likely the lender will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may buy a policy for your Honda for a lot more money and force you to pay a much higher amount than you were paying before.
• Insurance protects not only your car but also your financial assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Honda as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying over $869 every year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

Rate information and statistics

The premium information displayed below showcases a range of insurance premium costs for Honda Accord Crosstour models. Learning how rates are established can be valuable when making smart choices when selecting a coverage provider.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can alter coverage rates noticeably.

Rate comparison for different deductibles

A question often asked by Oakland drivers is how high should your deductibles be. The following tables may help to conceptualize the cost difference when you select higher and lower insurance deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in your specific Oakland location which can revise premiums noticeably.

Based on this data, using a $100 deductible costs about $47 more each month or $564 each year than opting for the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 19 months between claims, you would more than likely save some money going with the higher deductible. The table below shows a better example of how you can perform this determination yourself.

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket at claim time. You need to have some non-essential savings in the event you have to pay the higher deductible in order to repair your vehicle.

Insurance policy discounts for Honda Accord Crosstour insurance in Oakland

Insurance can be prohibitively expensive, but there may be some discounts that could drop your premiums quite a bit. Certain credits will be shown at the time of quoting, but some need to be asked for prior to getting the savings.

• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Drive Less and Save – Low mileage vehicles could be rewarded with substantially lower insurance rates.
• Active Service Discounts – Being on active deployment in the military could be rewarded with lower insurance rates.
• Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
• Accident Waiver – This one is not really a discount per se, but a few companies such as State Farm and Progressive will let one accident slide before raising your premiums if you have no claims before the accident.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The illustration below illustrates the difference between Honda Accord Crosstour auto insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.

If you would like to choose from a list of insurance companies who offer online Honda Accord Crosstour insurance quotes in Oakland, click here to view.

When should I discuss my situation with an agent?

Always keep in mind that when comparing insurance from an agent or online for your vehicles, there isn’t really a one size fits all plan. You are unique.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

• What is medical payments coverage?
• When should I buy a commercial auto policy?
• Does my Honda Accord Crosstour qualify for pleasure use?
• What does roadside assistance cover?
• Am I covered when driving someone else’s vehicle?
• Does car insurance cover theft of personal property?
• Are my company tools covered if they get stolen?
• What does PIP insurance cover?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.