Car Insurance Rate Quotes for a Honda Accord Crosstour in San Francisco

It’s an obvious statement that insurance companies don’t want you to look at other companies. Insureds who shop around for the cheapest price are very likely to switch auto insurance companies because there is a high probability of finding a lower rate. A study discovered that drivers who compared prices regularly saved $860 a year compared to other drivers who never shopped for cheaper rates.

If finding the best rates on car insurance is your objective, knowing how to compare cheaper coverage can make the process less intimidating.

Insurance rates Honda Accord Crosstour in San FranciscoThe easiest way to get the cheapest auto insurance rates in San Francisco is to do an annual price comparison from providers that sell auto insurance in California.

A crucial key to this process is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote request and and to look at as many companies as possible. This enables a level playing field and a better comparison of the market.

The providers in the list below are our best choices to provide quotes in California. If multiple companies are shown, we suggest you visit several of them in order to find the most competitive rates.

Discount San Francisco insurance rates

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Many discounts should be triggered at the time of quoting, but occasionally some discounts must be specifically requested before you get the savings.Discount insurance

You should keep in mind that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce the premium cost.

The illustration below illustrates the difference between Honda Accord Crosstour auto insurance costs with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $100 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, homeowner, claim-free, and marriage discounts applied.

Companies and some of the discounts are included below.

If you are trying to find affordable Honda Accord Crosstour insurance quotes, ask each insurance company what discounts are available to you. Some discounts listed above may not apply everywhere.

Coverage analysis

The price information below outlines estimates of insurance rates for Honda Accord Crosstour models. Knowing how auto insurance prices are figured can be of help when making smart choices when comparing insurance rates.

Honda Accord Crosstour Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $296 $584 $530 $32 $158 $1,600 $133
Accord Crosstour EX-L 2WD $296 $584 $530 $32 $158 $1,600 $133
Accord Crosstour EX-L 4WD $334 $688 $530 $32 $158 $1,742 $145
Accord Crosstour EX-L Navigation 2WD $334 $688 $530 $32 $158 $1,742 $145
Accord Crosstour EX-L Navigation 4WD $334 $688 $530 $32 $158 $1,742 $145
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can decrease or increase coverage rates considerably.

Full coverage versus liability-only

The information below compares Honda Accord Crosstour annual premium costs with full physical damage coverage and with liability coverage only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.

Guidelines for eliminating full coverage

There isn’t a steadfast formula for eliminating full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s say your Honda Accord Crosstour replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

When to contact an insurance agency

Certain consumers still prefer to visit with an insurance agent and we recommend doing that Professional insurance agents can make sure you are properly covered and give you someone to call. The biggest benefit of comparing insurance prices online is that you can find cheap rate quotes and still have an agent to talk to. Buying insurance from neighborhood insurance agencies is definitely important in San Francisco.

Find insurance agent in San FranciscoTo help locate an agent, after submitting this quick form, the quote information gets sent to insurance agents in San Francisco that can give you free San Francisco car insurance quotes for your insurance coverage. You never need to find an agent due to the fact that quote results will go to you directly. If for some reason you want to quote rates from a specific insurance company, just find their quoting web page and fill out their quote form.

When looking for a local agent, there are two different agency structures that you can choose from. Insurance agencies in San Francisco are either independent agents or exclusive agents depending on their employer. Either type can sell auto insurance policies, but it’s worth learning how they are different because it can influence the selection process.

Independent Auto Insurance Agents (or Brokers)

These type of agents do not have single company limitations and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you don’t have to find a new agent. When comparing rate quotes, you definitely need to get some free quotes from several independent agencies for maximum quote selection. Many can place coverage with mutual insurance companies who may have lower rates.

Featured below are San Francisco independent agencies who can help you get free rate quotes.

More insurance agents

Exclusive Agencies

These type of agents write business for a single company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Some insured continue to choose to use an exclusive agent mostly because of loyalty to the company instead of buying on price only.

The following are San Francisco exclusive agencies that are able to give price quotes.

More insurance agents

Deciding on an car insurance agent requires more thought than just the premium amount. The answers to these questions are important, too.

If you get good feedback for all questions you ask and an acceptable price quote, you’ve probably found an auto insurance agent that is a good match to insure your vehicles.

Educated Choices Result in Lower Insurance Prices

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or your financial responsibility. Smart consumers have a good feel for some of the things that go into determining auto insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that can help you get cheaper rates.

Here’s why car insurance is not optional

Despite the potentially high cost of Honda Accord Crosstour insurance, car insurance is a good idea for several reasons.

The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. The average driver in California is currently overpaying as much as $810 a year so it’s recommended you shop around every year to ensure rates are competitive.

Be persistent and save

Cheaper Honda Accord Crosstour insurance in San Francisco is available online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not offer online rate quotes and usually these smaller providers sell through local independent agencies.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, being labeled a high risk driver or questionable increases in premium. Whatever your reason, finding the right insurance provider is easier than you think.

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