Find Cheaper Honda Accord Crosstour Insurance in Tulsa

The preferred way to get discount Honda Accord Crosstour insurance in Tulsa is to compare prices annually from companies who provide car insurance in Oklahoma.

1. Spend a few minutes and learn about how companies set rates and the things you can control to prevent high rates. Many factors that drive up the price like speeding tickets, accidents and poor credit rating can be controlled by paying attention to minor details. Read the full article for more details to keep prices down and find more discounts that you may not know about.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can give you price quotes from multiple companies. View prices
3. Compare the price quotes to your existing policy to see if a cheaper price is available in Tulsa. If you find better rates and switch companies, make sure coverage does not lapse between policies.

An essential thing to point out is that you’ll want to make sure you compare the same deductibles and limits on every quote and and to get rate quotes from every company you can. Doing this guarantees an apples-to-apples comparison and a complete rate analysis.

Inconceivable but true, over 70% of drivers kept their policy with the same company for well over three years, and just short of a majority have never compared rate quotes at all. Many consumers in Oklahoma could save themselves almost $550 a year by just comparing rate quotes, but they underestimate how much money they would save if they replace their high priced policy.

Companies offering Honda Accord Crosstour insurance in Oklahoma

The providers in the list below can provide free quotes in Oklahoma. To get the best auto insurance in Tulsa, we suggest you visit two to three different companies to get the best price comparison.

Analysis of coverages

The information displayed next showcases estimates of insurance policy prices for Honda Accord Crosstour models. Knowing how insurance policy rates are calculated can help you make decisions when choosing a new policy provider.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in zip code location which can alter auto insurance rates greatly.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The figures shown below sum up the differences in price when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can change rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs about $19 more each month or $228 a year than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 13 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

One thing to note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You should have some non-essential savings in order to pay the deductible to have repairs made.

The example below highlights how deductible choice and can affect Honda Accord Crosstour insurance costs for different insured age categories. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.

The Honda Accord Crosstour Insurance Rate Equation

A large part of saving on car insurance is knowing the factors that help determine your car insurance rates. If you understand what determines premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

• Insurance rates for married couples – Your spouse can get you a discount on your policy. It usually means you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
• Allowing your car insurance to lapse raises premiums – Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance may result in a license revocation or jail time.
• Raising physical damage deductibles saves money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Honda from damage. Some instances where coverage would apply are a broken windshield, flood damage, and rolling your vehicle. The deductibles tell how much you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance.
• City traffic equals higher rates – Having an address in areas with lower population can be a good thing when buying car insurance. Drivers who live in large cities tend to have congested traffic and more time behind the wheel. Less people means fewer accidents and also fewer theft and vandalism claims.

• Male premiums may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean females are better at driving than males. Males and females are responsible for auto accidents at a similar rate, but men cause more damage. Not only that, but men also get more serious tickets such as reckless driving. Young males are the most expensive to insure and therefore pay the highest rates.

  The diagram below visualizes the comparison of Honda Accord Crosstour annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are factored in.

• Excellent credit saves on car insurance – Having a bad credit history is a large factor in your rate calculation. If your credit history can use some improvement, you could save money insuring your Honda Accord Crosstour by improving your rating. People that have very high credit ratings tend to file fewer claims as compared to drivers with poor credit scores.
• Safer vehicles mean better premiums – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce the chance of injuries and reduced instances of injuries means your insurance company pays less which can mean better rates for you.
• Save money with alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can save you some money. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your car from being stolen.

• Insurance loss statistics a Honda Accord Crosstour – Companies use data from past claims as a tool for profitable underwriting. Models that tend to have higher claim frequency or loss amount will cost more to insure.

  The table below illustrates the historical loss data for Honda Accord Crosstour vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is represented as 100. Percentage numbers below 100 suggest a better than average loss history, while values that are 100 or greater indicate a higher chance of having a claim or an increased likelihood of larger losses.

  
  

  Honda Accord Crosstour Insurance Loss Statistics

  Make and 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Score discounts on Tulsa auto insurance

Auto insurance companies do not advertise every available discount very clearly, so here is a list both the well known as well as the least known discounts that you can inquire about if you buy Tulsa car insurance online. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper since new model year vehicles have better safety ratings.
• Government Employees – Being employed by or retired from a federal job can save as much as 8% but check with your company.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, Progressive, and Allstate will let one accident slide before hitting you with a surcharge if you have no claims prior to being involved in the accident.
• Passenger Safety Discount – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
• E-sign – A handful of auto insurance companies will give you a small discount for buying your policy online.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and will save you 10% or more on Accord Crosstour insurance in Tulsa.

Drivers should understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, nobody gets a free ride.

The illustration below illustrates the difference between Honda Accord Crosstour car insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, claim-free, marriage, and multi-policy discounts applied.

A list of auto insurance companies and some of the premium reductions they offer are:

• The Hartford may offer discounts for vehicle fuel type, air bag, good student, anti-theft, defensive driver, bundle, and driver training.
• American Family discounts include good student, bundled insurance, defensive driver, mySafetyValet, Steer into Savings, early bird, and TimeAway discount.
• Progressive may have discounts that include online signing, homeowner, continuous coverage, multi-policy, and good student.
• Travelers has discounts for home ownership, student away at school, hybrid/electric vehicle, save driver, and payment discounts.
• Farmers Insurance offers discounts including mature driver, switch companies, pay in full, business and professional, electronic funds transfer, and good student.
• USAA offers premium reductions for multi-vehicle, annual mileage, family discount, good student, military installation, defensive driver, and safe driver.
• Liberty Mutual offers discounts for new move discount, multi-car, preferred payment discount, exclusive group savings, multi-policy, new graduate, and newly married.

If you want the cheapest Honda Accord Crosstour rate quotes, ask all the companies what discounts are available to you. Some discounts may not apply to policies in Tulsa. To see a list of providers who offer auto insurance discounts in Tulsa, click here to view.

Can’t I compare rate quotes from local Tulsa insurance agencies?

A lot of people would prefer to talk to an insurance agent and that is recommended in a lot of cases A nice benefit of comparing rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.

Once you complete this quick form, your information is immediately sent to agents in your area who will give you bids for your insurance coverage. It’s much easier because you don’t need to drive around because prices are sent to the email address you provide. You can find the lowest rates AND a local agent. In the event you want to get a comparison quote from a particular provider, feel free to visit that company’s website and give them your coverage information.

Selecting a insurance company should depend on more than just a low price. Any agent in Tulsa should have no problem answering these questions:

• Will the agent help in case of a claim?
• How experienced are they in personal risk management?
• Does the quote include credit and driving reports?
• Do they feel the quoted coverages are adequate?
• Can you choose the body shop in case repairs are needed?
• Do they regularly work with personal auto policies in Tulsa?
• Will one accident increase rates?

If you’re trying to find a local Tulsa insurance agent, there are a couple of different agency structures to choose from. Insurance agencies in Tulsa can be described as either independent agents or exclusive agents.

Exclusive Agencies

Exclusive agencies can only provide one company’s prices and some examples include Farmers Insurance and State Farm. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are very knowledgeable on sales techniques and that can be a competitive advantage.

Below is a short list of exclusive agencies in Tulsa willing to provide price quote information.

More Tulsa agents

Independent Insurance Agents

Independent agents often have many company appointments so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally which requires no work on your part.

When comparison shopping, we highly recommend that you get insurance quotes from multiple independent agents for maximum quote selection.

The following is a short list of independent insurance agencies in Tulsa willing to provide rate quotes.

More Tulsa agents

Smart shoppers get results

We just showed you quite a bit of information on how to find lower-cost Honda Accord Crosstour insurance in Tulsa. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even find the best price on insurance is with a small local company. They may only write in your state and offer lower premium rates than their larger competitors like Allstate and Progressive.

Some companies may not provide price quotes online and most of the time these regional carriers only sell through independent agents. Lower-priced Honda Accord Crosstour insurance in Tulsa can be sourced online and also from your neighborhood Tulsa agents, so you need to compare both to have the best selection.

More information can be read at these links:

• Older Drivers FAQ (iihs.org)
• Who Has the Cheapest Car Insurance for High Risk Drivers in Tulsa? (FAQ)
• What Car Insurance is Cheapest for a Jeep Grand Cherokee in Tulsa? (FAQ)
• Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Focus? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Drivers Under 21 in Tulsa? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Versa in Tulsa? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Coverage (Liberty Mutual)