Compare Honda Accord Crosstour Insurance Quotes in Kansas City

It’s easy to assume that car insurance companies want to prevent you from shopping around. Drivers who get price comparisons are highly likely to switch car insurance companies because they have a good chance of finding a policy with more affordable rates. A study discovered that consumers who compared prices regularly saved on average $72 a month as compared to drivers who never compared rates.

If finding budget-friendly Honda Accord Crosstour insurance is why you’re reading this, then learning about the best way to shop and compare car insurance can help make the process easier.

It takes a few minutes, but the best way to find affordable auto insurance rates is to make a habit of regularly comparing prices from different companies that insure vehicles in Kansas City.

• Step 1: Spend some time learning about car insurance and the things you can change to lower rates. Many rating criteria that increase rates such as speeding tickets, accidents and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes.
• Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
• Step 3: Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a better price and change companies, verify that coverage does not lapse between policies.

An important note is to use the same liability limits and deductibles on each quote and to quote with as many auto insurance providers as possible. This helps ensure a level playing field and many rates to choose from.

If you have insurance now, you stand a good chance to be able to reduce premiums using the techniques covered below. These tips will teach you a little about how car insurance companies work and some tricks to saving. Nevertheless, Missouri vehicle owners benefit from understanding how the larger insurance companies calculate your auto insurance rates because it can help you find the best coverage.

The best way to compare insurance rates in your area takes advantage of the fact car insurance companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is provide information like if you have an active license, any included safety features, your education level, and daily mileage. The data is instantly sent to many of the top insurers and you will get price comparisons with very little delay.

If you would like to start a quote now, click here and enter the information requested.

The car insurance companies shown below are ready to provide quotes in Kansas City, MO. To find cheap auto insurance in MO, we suggest you compare several of them to get the best price comparison.

Choosing Honda Accord Crosstour insurance is an important decision

Despite the high cost of buying insurance for a Honda Accord Crosstour in Kansas City, paying for insurance may not be optional for several reasons.

First, almost all states have minimum mandated liability insurance limits which means state laws require a specific level of liability in order to be legal. In Missouri 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 bought your vehicle with a loan, it’s guaranteed your bank will require that you carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Honda at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your Honda but also your assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage.

The benefits of buying insurance more than offset the price you pay, especially with large liability claims. Today the average American driver is wasting up to $850 per year so compare rates every year to help ensure money is not being wasted.

Detailed insurance information

The coverage information shown next showcases a range of insurance costs for Honda Accord Crosstour models. Being able to understand how insurance prices are established can help drivers make smart choices when buying a policy.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle location which can raise or lower rates substantially.

Can higher deductibles save money?

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The following insurance rates can help you understand the rate difference when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific Kansas City garaging location which can increase or decrease prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $21 more each month or $252 every year than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 36 months between claim filings, you would come out ahead if you decide on a higher deductible.

The information below demonstrates how choosing different deductibles and can change Honda Accord Crosstour insurance costs for different age groups of insureds. The premiums are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Full coverage rates compared to liability-only

The diagram below visualizes the comparison of Honda Accord Crosstour car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to buy liability coverage only

There is no definitive formula for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s say your Honda Accord Crosstour replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.

Kansas City car insurance discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts to help bring down the price. Certain discounts will be applied when you get a quote, but once in a while a discount must be specially asked for in order for you to get them.

• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Senior Citizen Rates – Older drivers are able to get a discount up to 10%.
• Air Bag Discount – Vehicles with factory air bags may earn rate discounts of 20% or more.
• Switch and Save Discount – A few insurance companies give discounts for renewing your policy before your current expiration date. You could save around 10% when you buy Kansas City auto insurance online.
• Discounts for New Vehicles – Insuring a new Accord Crosstour can get you a discount since newer vehicles are generally safer.

You should keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The example below shows the difference between Honda Accord Crosstour insurance rates with and without discounts applied. Data assumes a male driver, no tickets, no at-fault accidents, Missouri 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-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

Companies that may include these benefits are:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

It’s a good idea to ask every company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area.

Special considerations

When it comes to choosing coverage online or from an agent, there isn’t really a best way to insure your cars. Your financial needs are unique so your insurance needs to address that.
Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Does medical payments coverage apply to all occupants?
• When should my teen driver be added to my policy?
• Are my friends covered when driving my Honda Accord Crosstour?
• Why am I required to get a high-risk car insurance policy?
• Can good grades get a discount?
• Am I getting all the discounts available?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.