Cheap Insurance for a Honda Accord Crosstour in Long Beach

Insurance for Honda Accord CrosstourDo 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.

Honda Accord Crosstour Insurance Rates in Long Beach, CA
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
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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.

Honda Accord Crosstour insurance with $100 deductibles
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
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Honda Accord Crosstour insurance with $1,000 deductibles
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
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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.Cheaper car insurance with discounts

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.

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.

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.

Long Beach insurance agentsUpon 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:

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.

1959 E Spring StLong Beach, CA 90806(949) 770-1708View Map

5000 E Spring St Ste 390Long Beach, CA 90815(562) 425-5109View Map

3505 Long Beach Blvd #2oLong Beach, CA 90807(562) 285-0816View Map

View more Long Beach agents

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.

5175 E Pacific Coast Hwy #304Long Beach, CA 90804(562) 735-3125View Map

Priscilla Vallejos Insurance Agency
2725 Candlewood StLakewood, CA 90712(562) 552-3259View Map

4400 Pacific Coast HwyLong Beach, CA 90804(562) 498-8661View Map

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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.

Best Auto Insurance Companies in Long Beach
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
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Data Source: 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.

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