Do you need a fast way to compare lower-priced Honda Accord Crosstour insurance in Long Beach? Wish you could get out of overpriced Honda Accord Crosstour insurance in Long Beach? You’re preaching to the choir because many Long Beach consumers feel financially strained by their insurance policy.
It’s safe to conclude that car insurance companies don’t want you to compare rates. Insureds who get price quotes annually will probably move their business because the odds are good of finding a more affordable policy premium. A recent survey discovered that people who compared rates once a year saved about $3,500 over four years compared to policyholders who don’t regularly compare prices.
If finding budget-friendly rates on auto insurance in Long Beach is your objective, then having some insight into how to get price quotes and compare insurance can save time and money. Insurance companies such as GEICO, 21st Century and Progressive constantly bombard you with advertising and it can be hard to see through the deception and take the time to shop coverage around.
Companies offering Honda Accord Crosstour insurance in Long Beach
The companies in the list below offer price comparisons in Long Beach, CA. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.
Honda Accord Crosstour insurance rate analysis
The rate table shown below showcases estimates of insurance prices for Honda Accord Crosstour models. Being able to understand how car insurance premiums are calculated can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $270 | $454 | $564 | $34 | $168 | $1,490 | $124 |
| Accord Crosstour EX-L 2WD | $270 | $454 | $564 | $34 | $168 | $1,490 | $124 |
| Accord Crosstour EX-L 4WD | $304 | $536 | $564 | $34 | $168 | $1,606 | $134 |
| Accord Crosstour EX-L Navigation 2WD | $304 | $536 | $564 | $34 | $168 | $1,606 | $134 |
| Accord Crosstour EX-L Navigation 4WD | $304 | $536 | $564 | $34 | $168 | $1,606 | $134 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can alter price quotes considerably.
Physical damage deductibles: Should you raise them?
One common question asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The comparisons below can help you visualize how much more you’ll pay between high and low coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $380 | $686 | $552 | $32 | $166 | $1,841 | $153 |
| Accord Crosstour EX-L 2WD | $380 | $686 | $552 | $32 | $166 | $1,841 | $153 |
| Accord Crosstour EX-L 4WD | $430 | $810 | $552 | $32 | $166 | $2,015 | $168 |
| Accord Crosstour EX-L Navigation 2WD | $430 | $810 | $552 | $32 | $166 | $2,015 | $168 |
| Accord Crosstour EX-L Navigation 4WD | $430 | $810 | $552 | $32 | $166 | $2,015 | $168 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $210 | $362 | $552 | $32 | $166 | $1,322 | $110 |
| Accord Crosstour EX-L 2WD | $210 | $362 | $552 | $32 | $166 | $1,322 | $110 |
| Accord Crosstour EX-L 4WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Accord Crosstour EX-L Navigation 2WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Accord Crosstour EX-L Navigation 4WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle location which can impact price quotes greatly.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $47 more each month or $564 every 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 usually have more than 19 months between claim filings, you would come out ahead going with the higher deductible.
The diagram below highlights how deductible selection and can impact Honda Accord Crosstour insurance costs for different age groups. The costs are based on a single male driver, full coverage, and no additional discounts are factored in.
How violations and accidents impact rates
The chart below demonstrates how speeding tickets and at-fault accidents can influence Honda Accord Crosstour car insurance rates for each age group. The price estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied.
Save with these discounts on Honda Accord Crosstour insurance in Long Beach
Companies offering auto insurance don’t always publicize every discount very well, so below is a list some of the best known and also the lesser-known ways to save on car insurance.
- Buy New and Save – Buying car insurance coverage on a new vehicle can save up to 30% due to better safety requirements for new vehicles.
- Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
- No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Allstate and State Farm will allow you to have one accident without raising rates so long as you are claim-free prior to being involved in the accident.
- Multiple Cars – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
- Low Mileage Discounts – Driving less may enable drivers to earn cheaper prices.
- Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their Long Beach auto insurance quote than drivers with accident claims.
- Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
You can save money using discounts, but many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.
The diagram below illustrates the comparison of Honda Accord Crosstour car insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.
Large car insurance companies and some of the premium reductions they offer can be read below.
- Mercury Insurance may offer discounts for ease of repair, good student, location of vehicle, anti-theft, age of vehicle, good driver, and type of vehicle.
- Farmers Insurance has discounts for alternative fuel, multi-car, early shopping, pay in full, good student, business and professional, and distant student.
- Farm Bureau includes discounts for 55 and retired, youthful driver, driver training, multi-policy, and renewal discount.
- State Farm has savings for good student, multiple autos, Drive Safe & Save, defensive driving training, safe vehicle, and passive restraint.
- Allstate offers premium reductions for senior citizen, premier plus, defensive driver, 55 and retired, and utility vehicle.
- GEICO offers discounts including driver training, membership and employees, multi-vehicle, daytime running lights, defensive driver, emergency military deployment, and multi-policy.
If you are trying to find inexpensive Long Beach auto insurance quotes, ask every prospective company which credits you are entitled to. Some credits may not apply in every state. If you would like to choose from a list of insurance companies that offer multiple discounts in California, click here to view.
The Honda Accord Crosstour Insurance Cost Equation
The best way to find cheaper car insurance is to take a look at the rating factors that help calculate your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower premium levels.
- Amount of liability – The liability section of your policy will afford coverage if ever you are ruled to be at fault for personal injury or accident damage. This coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
- Don’t abuse car insurance claims – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Companies in California give the best rates to people who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for more catastrophic claims.
- Having a spouse can lower prices – Having a significant other may earn you lower rates on your policy. Marriage usually means you are more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.
- Occupation stress can affect premiums – Did you know that where you work can have an impact on rates? Occupational choices like real estate brokers, architects, and medical professionals usually pay higher premium rates attributed to intense work requirements and lots of time spent at work. On the flip side, careers like actors, students and the unemployed generally pay rates lower than average.
- Prevent your car from being stolen – Purchasing a vehicle with an alarm system can save you some money. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
- Low coverage deductibles cost more – The deductibles define the amount you are willing to pay in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply would be a windshield broken by a bird, fire damage, and damage from wind. The more of the claim the insured has to pay upfront, the less your car insurance will be.
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Claims statistics for a Honda Accord Crosstour – Companies analyze claim trends for every vehicle to help calculate a profitable premium price. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will cost more for specific coverages.
The next table illustrates the actual insurance loss data for Honda Accord Crosstour vehicles. For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is set at 100. Values below 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent claims or statistically larger losses.
Auto Insurance Loss Data for Honda Accord Crosstour Models Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Can’t I compare prices from local Long Beach car insurance agents?
Many drivers would prefer to talk to an insurance agent and doing so can bring peace of mind Professional insurance agents are trained risk managers and help in the event of a claim. A nice benefit of price shopping on the web is the fact that drivers can get cheap auto insurance quotes and still have a local agent.
Upon completion of this short form, your insurance data is transmitted to participating agents in Long Beach who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since rate quotes are delivered to your email. If you want to compare rates from a specific company, you just need to go to their quote page and complete a quote there.
Finding the right company should include more criteria than just a cheap price quote. These questions are important to ask:
- Does their agency support local causes in Long Beach?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is there a local claims center in Long Beach?
- Do they carry Errors and Omissions coverage?
- Is their price quote a firm figure or are their hidden costs?
- Is the agent and/or agency licensed to do business in California?
If you would like to find a local agent, you need to know there are two types of agencies that you can select. Auto insurance agents in Long Beach are classified as either exclusive or independent. Both types can provide auto insurance policies, but we need to point out the subtle differences because it may have an impact on the kind of agent you use.
Exclusive Insurance Agents
Agents in the exclusive channel can only provide pricing for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot provide other company’s prices so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.
Listed below are exclusive insurance agents in Long Beach who can help you get comparison quotes.
Farmers Insurance – David Van Wyk
1959 E Spring St – Long Beach, CA 90806 – (949) 770-1708 – View Map
Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 – View Map
Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
Independent Auto Insurance Agents
Independent agents are not locked into one company so as a result can place your coverage with many different companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to switch agencies. If you are comparing auto insurance prices, you should always get rate quotes from a couple of independent agencies in order to compare the most rates.
The following is a list of independent insurance agencies in Long Beach that can give you price quote information.
Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
After receiving answers to your satisfaction to any questions you may have and an acceptable price quote, chances are good that you have found an insurance agent that can insure your vehicles.
Best auto insurance company in Long Beach
Ending up with the best auto insurance company can be a challenge considering how many companies provide coverage in Long Beach. The ranking data shown below could help you select which auto insurers to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How much can you save?
When searching for the cheapest Honda Accord Crosstour rate quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.
We covered many ways to lower your Honda Accord Crosstour insurance auto insurance rates in Long Beach. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.
How to find cheaper Honda Accord Crosstour insurance in Long Beach
It takes a few minutes, but the best way to get the cheapest car insurance rates is to do a yearly price comparison from providers in Long Beach.
First, spend some time learning about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating factors that result in higher rates such as speeding tickets, careless driving and your credit history can be improved by paying attention to minor details.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide price quotes from multiple sources. Start a quote
Third, compare the new rates to your existing rates and see if there is a cheaper rate in Long Beach. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company of your intent to cancel your existing policy and submit any necessary down payment along with the completed application to the new insurer. Make sure you store the certificate of insurance in your vehicle.
A good tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote request and and to get rate quotes from as many companies as you can. This helps ensure an apples-to-apples comparison and plenty of rates choose from.
To read more, feel free to visit the resources below:
- Teen Driving and Texting (State Farm)
- How Much is Long Beach Auto Insurance for State Employees? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- What Insurance is Cheapest for a Nissan Rogue in Long Beach? (FAQ)
- Who Has Cheap Long Beach Auto Insurance for High Mileage Drivers? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Long Beach? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance for Ride Shares? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Long Beach? (FAQ)
- Liability Insurance Coverage (Nationwide)
- What is Covered by GAP Insurance? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)