Affordable Honda Accord Crosstour Insurance in Lexington

Searching for the cheapest Honda Accord Crosstour insurance in Lexington? Have you had enough of sacrificing each month for insurance? You’re in the same situation as many other Kentucky consumers.

We don’t have to tell you that auto insurance companies don’t want their policyholders to compare prices. Drivers who perform rate comparisons will, in all likelihood, buy a new policy because there is a great chance of finding a policy with better rates. Surprisingly, a recent survey revealed that consumers who did price comparisons regularly saved approximately $72 a month compared to those who never shopped around for lower prices.

If finding budget-friendly rates on Honda Accord Crosstour insurance is your ultimate goal, knowing how to choose a company and compare insurance rates can help make the process easier.

Steps to finding cheaper quotes for Honda Accord Crosstour insurance in Lexington

Really, the only way to get affordable Honda Accord Crosstour insurance is to start comparing rates regularly from companies who can sell car insurance in Lexington.

Step 1: Try to comprehend what is in your policy and the measures you can control to keep rates in check. Many things that result in higher rates such as accidents, traffic tickets, and an unacceptable credit rating can be remedied by improving your driving habits or financial responsibility.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple companies.

Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in Lexington. If you find a lower rate, make sure coverage is continuous and does not lapse.

Step 4: Notify your current company to cancel your current car insurance policy. Submit the completed application along with a down payment for the new coverage. As soon as you can, put the proof of insurance paperwork in your vehicle’s glove compartment or console.

The most important part of shopping around is to use the same level of coverage on each quote request and and to get rates from as many auto insurance providers as possible. This ensures a level playing field and a complete rate analysis.

Companies like Allstate, Progressive and GEICO all claim big savings with TV and radio ads and it can be hard to ignore the propaganda and take the time to shop coverage around.

Lower-cost Lexington auto insurance rates with discounts

Auto insurance companies don’t list all available discounts in an easy-to-find place, so the below list has some of the best known and the more hidden discounts that may be available.

• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
• Government Employees – Active or retired federal employment may qualify for a discount when you quote Lexington auto insurance with certain companies.
• Responsible Driver Discounts – Safe drivers can save as much as half off their rates than drivers with accident claims.
• Telematics Data Discounts – Drivers that enable data collection to scrutinize driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.
• Driver Training Discounts – Passing a safe driver course could cut 5% off your bill and also improve your driving technique.
• Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.
• More Vehicles More Savings – Insuring all your vehicles on one policy qualifies for this discount.
• Senior Citizen Rates – Seniors could receive a small decrease in premiums.

You can save money using discounts, but some credits don’t apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

The diagram below shows the difference between Honda Accord Crosstour insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.

Large auto insurance companies and some of their more popular discounts include:

• GEICO may have discounts that include membership and employees, air bags, driver training, multi-policy, and five-year accident-free.
• MetLife has discounts for multi-policy, accident-free, good driver, defensive driver, good student, claim-free
• State Farm offers discounts for safe vehicle, anti-theft, defensive driving training, passive restraint, good student, and multiple policy.
• Progressive includes discounts for continuous coverage, homeowner, multi-vehicle, good student, multi-policy, and online signing.
• Mercury Insurance has savings for anti-theft, multi-car, good driver, annual mileage, and ease of repair.
• 21st Century discounts include 55 and older, homeowners, air bags, early bird, and theft prevention.
• Allstate may include discounts for safe driver, teenSMART discount, passive restraint, 55 and retired, farm vehicle, and premier plus.

Check with each company or agent how many discounts you can get. Discounts may not apply to policies in your state. To choose providers who offer discounts in Lexington, click this link.

To find the best auto insurance rates, there are several ways of comparing rate quotes from companies that offer auto insurance in Kentucky. The quickest method to lower the rate you pay for Honda Accord Crosstour insurance is simply to get online rate quotes.

It’s so fast and easy to compare quotes online that it replaces the need to actually drive to insurance agencies in your area. Shopping for auto insurance online eliminates this option unless you want the professional assistance of a licensed agent. Drivers can get prices online but buy the policy through an agent. When price shopping your coverage, quoting more helps locate the best rates. Some insurance companies are not set up to provide Lexington Accord Crosstour insurance quotes online, so it’s necessary to compare price quotes from the smaller companies as well.

The auto insurance companies shown below can provide free rate quotes in Lexington, KY. If you want cheap auto insurance in Lexington, it’s a good idea that you visit several of them to get the best price comparison.

Insurance statistics and figures

The premium information displayed next covers different insurance rates for Honda Accord Crosstour models. Having a better idea how premiums are established can help drivers make informed decisions when comparing rates.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific Lexington garaging location which can alter rates noticeably.

Raise deductibles and save

One of the most common insurance questions is the level to set your comp and collision deductibles. The data tables below sum up the price difference between low and high physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in specific garaging location which can modify price quotes significantly.

We can estimate from the data above that using a $250 deductible will cost you about $25 more each month or $300 annually across all Honda Accord Crosstour models than requesting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 30 months between claims, you would more than likely save some money by going with a higher deductible.

Rate comparison of full coverage and liability-only

The diagram below compares Honda Accord Crosstour car insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no violations or accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to switch to liability coverage only

There is no set guideline of when to stop paying for physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Honda Accord Crosstour settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

When in doubt talk to an agent

When selecting coverage online or from an agent for your vehicles, there really is no one size fits all plan. Your situation is unique.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• Does my policy cover me if I wreck while driving under the influence?
• How much underlying liability do I need for an umbrella policy?
• Does coverage follow the driver or the vehicle?
• Is my ex-spouse still covered by my policy?
• Is a new car covered when I drive it off the dealer lot?
• Am I better off with higher deductibles on my Honda Accord Crosstour?
• Should I pay a claim out-of-pocket?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Local Lexington insurance agencies

A lot of people would rather sit down and talk to an agent and doing that can be a smart decision An additional benefit of getting free rate quotes online is you may find lower rates but still work with a licensed agent. Supporting local insurance agents is still important in Lexington.

To make it easy to find an agent, after completing this short form, the coverage information gets sent to agents in your area that provide free Lexington auto insurance quotes for your insurance coverage. There is no reason to drive around since price quotes are sent to the email address you provide. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to compare prices from a specific company, just jump over to their website and give them your coverage information.

Listed below are Lexington car insurance companies that may be willing to give rate quotes for Honda Accord Crosstour insurance in Lexington.

View more agents

Finding the right provider needs to be determined by more than just a cheap quote. Here are some questions you might want to ask.

• How long has their agency been in business in Lexington?
• Will they take your side in the event of a claim?
• Are they giving you every discount you deserve?
• Did they already check your driving record and credit reports?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Can glass repairs be made at your home?
• Are they in the agency full-time?

Why you need to buy car insurance

Despite the high insurance cost for a Honda Accord Crosstour in Lexington, insurance is required for several reasons.

First, just about all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance if you want to drive legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, more than likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Honda for a much higher rate and require you to reimburse them much more than you were paying before.

Third, car insurance protects your Honda Accord Crosstour and your assets. It will also pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance outweigh the cost, especially when you need to use it. Unknowingly, the average driver overpays as much as $855 a year so you should quote rates every year to ensure rates are competitive.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance – Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/10 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical expenses, repair costs for stationary objects, bail bonds, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible. Kentucky state minimum liability requirements are 25/50/10 but it’s recommended drivers buy more liability than the minimum.

The illustration below shows why buying minimum limits may not be high enough to cover claims.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses for surgery, funeral costs and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays for damage to your Accord Crosstour from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Accord Crosstour to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hitting a deer, damage from a tornado or hurricane, falling objects and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Kentucky auto insurance companies

Insuring your vehicle with a good quality auto insurance company can be challenging considering how many different insurance companies sell coverage in Kentucky. The ranking data shown below can help you decide which car insurance companies you want to consider when comparing rate quotes.

Top 10 Lexington Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Lexington Car Insurance Companies Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Erie Insurance
8. The General
9. Esurance
10. 21st Century

Quote more to save more

We just covered many tips how you can get a better price on Honda Accord Crosstour insurance in Lexington. The key concept to understand is the more rate comparisons you have, the better likelihood of getting low cost Lexington auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Budget-friendly car insurance in Lexington can be found on the web and from local agencies, so you need to shop Lexington auto insurance with both to have the best selection. Some insurance companies do not provide rates over the internet and usually these small, regional companies provide coverage only through local independent agents.

When getting Lexington auto insurance quotes online, you should never buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Steps to finding the cheapest rates for Honda Accord Crosstour insurance in Lexington

The most effective way to find cheaper Honda Accord Crosstour insurance in Lexington is to start doing an annual price comparison from companies who sell insurance in Kentucky. Drivers can shop around by following these steps.

• First, it will benefit you to learn about the different coverages in a policy and the modifications you can make to lower rates. Many factors that drive up the price like inattentive driving and a less-than-favorable credit history can be remedied by making small lifestyle or driving habit changes.
• Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.
• Third, compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
• Fourth, tell your current agent or company of your decision to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new insurer. As soon as you receive it, store the certificate of insurance with your vehicle’s registration.

A tip to remember is that you’ll want to compare similar coverage information on each quote request and and to get rates from every company you can. This guarantees a level playing field and the most accurate and complete price analysis.

To learn more, feel free to visit the following helpful articles:

• Liability Insurance Coverage (Nationwide)
• Who Has Affordable Lexington Auto Insurance Quotes for Uninsured Drivers? (FAQ)
• Who Has Cheap Car Insurance for Welfare Recipients in Lexington? (FAQ)
• Who Has Affordable Car Insurance Quotes for 19 Year Olds in Lexington? (FAQ)
• Who Has Affordable Car Insurance Rates for Ride Shares in Lexington? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)