Did you fall for a flashy sales pitch and buy overpriced Honda Accord Crosstour insurance in Baltimore? It’s quite common and there are a lot of people in Baltimore just like you who feel imprisoned by their auto insurance policy.
It’s an obvious conclusion that car insurance companies don’t want you to compare rates. Drivers who shop around for the cheapest price are highly likely to switch to a new company because they have a good chance of finding a policy with better rates. A recent survey revealed that people who regularly shopped around saved $3,400 over four years compared to other drivers who never compared prices.
If finding budget-friendly car insurance in Baltimore is your goal, then having some insight into the best ways to find and compare coverages can make the process less intimidating.
Companies like GEICO, Progressive and Allstate promote their brand names with ad campaigns and it is difficult to see through the deception and effectively compare rates to find the best deal.
If you currently have insurance, you will surely be able to cut your premiums using the techniques presented in this article. Buying affordable insurance in Baltimore is not rocket science. Nevertheless, Maryland vehicle owners do need to learn the methods companies use to determine prices and apply this information to your search.
Most of the larger companies like GEICO, State Farm and Progressive make it easy to get price estimates on the web. This process is pretty easy as all you need to do is type in the coverages you want as detailed in the form. After the form is submitted, their rating system will order information on your driving record and credit history and quotes a price based on many factors. This makes it easy to compare insurance prices and it’s necessary to get many rate quotes if you want to get a better rate.
To get comparison pricing now, take a look at the companies shown below. If you have coverage now, it’s recommended that you enter deductibles and limits exactly as shown on your declarations page. Doing this assures you will get rate comparison quotes based on the exact same insurance coverage.
The following companies provide free rate quotes in Baltimore, MD. If you wish to find the cheapest car insurance in Maryland, we recommend you click on several of them in order to get a fair rate comparison.
Save a ton on Honda Accord Crosstour insurance in Baltimore with these discounts
Some providers don’t necessarily list all their discounts very well, so the list below gives a summary of some of the best known and the more hidden credits that may apply to you. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.
- Cautious Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Military Rewards – Being deployed with a military unit could trigger a small discount.
- Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
- Accident Forgiveness – Not really a discount, but certain companies may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Baltimore without a vehicle on campus could get you a discount.
- Safety Course Discount – Taking a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Switch and Save Discount – A few companies allow discounts for renewing your policy early. The savings is around 10%.
As a disclaimer on discounts, most discount credits are not given to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, insurance companies aren’t that generous.
The chart below shows the comparison of Honda Accord Crosstour yearly insurance costs with and without policy discounts. The data assumes a female driver, no accidents, no driving violations, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, multi-car, homeowner, and claim-free discounts applied.
A few of the larger companies and a partial list of their discounts are shown below.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, homeowner, good student, and online quote discount.
- The Hartford has discounts for bundle, vehicle fuel type, driver training, defensive driver, and air bag.
- Mercury Insurance offers discounts including low natural disaster claims, annual mileage, type of vehicle, good student, age of vehicle, and professional/association.
- GEICO may include discounts for air bags, daytime running lights, federal employee, driver training, seat belt use, multi-policy, and good student.
- AAA includes discounts for multi-policy, good student, multi-car, good driver, and anti-theft.
- State Farm may offer discounts for passive restraint, student away at school, Drive Safe & Save, safe vehicle, anti-theft, and multiple autos.
When getting free Baltimore car insurance quotes, it’s a good idea to every prospective company how you can save money. All car insurance discounts may not apply to policies in Baltimore.
Honda Accord Crosstour insurance statistics and information
The table displayed next outlines different insurance rates for Honda Accord Crosstour models. Having a good grasp of how prices are determined can help customers make informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord Crosstour EX 2WD||$388||$776||$686||$40||$206||$2,096||$175|
|Accord Crosstour EX-L 2WD||$388||$776||$686||$40||$206||$2,096||$175|
|Accord Crosstour EX-L 4WD||$438||$914||$686||$40||$206||$2,284||$190|
|Accord Crosstour EX-L Navigation 2WD||$438||$914||$686||$40||$206||$2,284||$190|
|Accord Crosstour EX-L Navigation 4WD||$438||$914||$686||$40||$206||$2,284||$190|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in vehicle location which can lower or raise coverage rates greatly.
The illustration below demonstrates how deductible levels and can raise or lower Honda Accord Crosstour insurance costs for different ages of insureds. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.
Cautious drivers save money
The information below illustrates how traffic citations and at-fault accidents can raise Honda Accord Crosstour yearly insurance costs for each age group. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The information below shows the comparison of Honda Accord Crosstour insurance premiums when comparing full coverage to liability only. The data assumes no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are factored in.
Guidelines for eliminating full coverage
There is no definitive guideline to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Honda Accord Crosstour 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 you pay the deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.
Why Smart Buyers Pay Less for Honda Accord Crosstour Insurance
Lots of factors are considered when you get your auto insurance bill. Some factors are common sense such as traffic violations, although some other factors are more transparent such as whether you are married and annual miles driven.
Listed below are just a few of the factors utilized by car insurance companies to help set prices.
Women pay lower prices – Statistics show females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. They both get in auto accidents in similar percentages, but men get into accidents with more damage. Men also tend to receive more costly citations such as DWI and reckless driving.
The information below compares Honda Accord Crosstour annual premium costs for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Vehicle options that cut car insurance rates – Choosing to buy a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
Policy add-ons add up – There are a ton of optional add-on coverages that may not really be needed if you aren’t diligent. Add-on coverages like roadside assistance, towing, and additional equipment coverage are examples of these. These may sound like a good investment initially, but your money might be better spent on other coverage so consider taking them off your policy.
Teenagers vs. mature drivers – Older insureds have been proven to be more responsible, cost insurance companies less in claims, and receive fewer citations. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel therefore car insurance rates are much higher.
The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Honda Accord Crosstour statistical loss data – Auto insurance companies factor in historical loss data to help determine rates. Vehicles that tend to have higher claim frequency or loss amount will have a higher cost to insure. The table below demonstrates the historical insurance loss data for Honda Accord Crosstour vehicles.
For each policy coverage, the claim amount for all vehicles averaged together equals 100. Values under 100 suggest a positive loss record, while values that are above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
|Specific Honda 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agents can find coverage gaps
Many people just want to buy from a licensed agent and that can be a great decision One of the best bonuses of price shopping on the web is the fact that drivers can get lower prices and still have a local agent.
To find an agent, once you fill out this quick form, your information is instantly submitted to local insurance agents in Baltimore who can give free rate quotes for your auto insurance coverage. You won’t even need to do any legwork as quotes are delivered straight to your inbox. You can find the lowest rates without a big time investment. In the event you want to compare rates from one company in particular, just search and find their rate quote page and fill out the quote form the provide.
Selecting an provider should depend on more than just the bottom line cost. Before buying a policy in Baltimore, get answers to these questions.
- Are they in the agency full-time?
- Are they actively involved in the community?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- If you have an accident, will your rates go up?
- Is the agent CPCU or CIC certified?
- Are they properly licensed to sell insurance in Maryland?
- Which companies do they recommend if they are an independent agency?
If you receive good feedback to these questions as well as a price you’re happy with, it’s possible that you found an provider that is a good match to provide auto insurance coverage. Just remember it’s your coverage and you can cancel coverage at any time so don’t feel you are locked into your new company with no way out.
Don’t give up on affordable coverage
Some insurance providers may not provide online quoting and usually these regional carriers provide coverage only through independent insurance agents. Budget-friendly auto insurance in Baltimore can be bought from both online companies in addition to many Baltimore insurance agents, and you need to price shop both to have the best rate selection.
We’ve covered a lot of information how to save on Honda Accord Crosstour insurance in Baltimore. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates are with some of the smallest insurance companies. They can often provide lower car insurance rates in certain areas compared to the large companies like Progressive or GEICO.
How to find affordable quotes for Honda Accord Crosstour insurance in Baltimore
If you want to save the most money, the best way to find affordable quotes for Honda Accord Crosstour insurance is to do an annual price comparison from companies who provide auto insurance in Baltimore. You can compare prices by completing these steps.
Step 1: Take a little time to learn about how insurance works and the measures you can take to drop your rates. Many things that drive up the price like at-fault accidents and a not-so-good credit rating can be controlled by making small lifestyle or driving habit changes.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple sources.
Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
Step 4: Provide proper notification to your current company of your intent to cancel your current coverage. Submit the completed application along with a down payment for the new policy. Make sure you put the new proof of insurance certificate in an easily accessible location in your vehicle.
The key aspect of shopping around is to try to compare the same coverage limits and deductibles on each price quote and and to analyze as many carriers as you can. This ensures a fair rate comparison and the best rate selection.
For more information, take a look at the articles below:
- Distracted Driving (Insurance Information Institute)
- What Insurance is Cheapest for Young Drivers in Baltimore? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)