Compare Honda Accord Crosstour Insurance Rate Quotes in Atlanta

Do you want to learn to get lower-priced Honda Accord Crosstour insurance in Atlanta? Paying low cost rates for Honda Accord Crosstour insurance in Atlanta is a challenge for drivers new to shopping for insurance online. Consumers have so many companies to choose from that it can easily be more work than you anticipated to locate the lowest price in Georgia.

A recent auto insurance study revealed that the vast majority of Georgia auto insurance customers renewed their policy with the same company for at least four years, and nearly 40% of drivers have never even shopped around for cheaper coverage. U.S. drivers could cut their rates by approximately $859 a year just by comparing rates, but they don’t know the actual amount they would save if they switch to a new company.

It’s important to price shop coverage at least once a year because auto insurance prices tend to go up over time. Even if you think you had the best price on Honda Accord Crosstour insurance in Atlanta six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because it’s time to teach you the tricks you need to know to reduce your cost while increasing coverage.

We hope to tell you how to effectively get price quotes and how to save the most money. If you have a current car insurance policy, you stand a good chance to be able to cut your premiums using the ideas presented in this article. Nevertheless, Georgia consumers must comprehend the way insurance companies price insurance differently because it can help you find the best coverage.

Companies offering Honda Accord Crosstour insurance in Atlanta

The companies shown below provide free quotes in Atlanta, GA. If more than one company is shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in garaging location in Atlanta which can change prices considerably.

Comparison of policy deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The tables below illustrate the differences in premium rates between low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in your specific Atlanta location which can change insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $43 more each month or $516 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claims, you would probably save some money if you elect the higher deductible.

You may qualify for discounts for Honda Accord Crosstour insurance in Atlanta

Companies offering auto insurance don’t always list their entire list of discounts very well, so the following is a list of a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you qualify for, you’re paying more than you need to.

• Federal Government Employee – Federal government employees could provide a small rate reduction depending on your company.
• Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Telematics Discount – Drivers who elect to allow driving data collection to track where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
• Cautious Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% than their less cautious counterparts.
• Anti-lock Brake Discount – Cars with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
• Multi-Vehicle Discounts – Having multiple cars on a single policy qualifies for this discount.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will forgive one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
• Driver Training Discounts – Successfully completing a class that teaches driver safety techniques could save 5% or more if your company offers it.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Auto/Life Discount – Larger companies have a break if you buy a life policy as well.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works. But all discounts will reduce the cost of your policy.

To view companies offering insurance discounts in Georgia, click this link.

Seven Tips to Get Cheap Atlanta Insurance Rates

An important part of buying insurance is that you know the different types of things that help calculate your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Many different elements are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are more transparent like where you live and annual miles driven.

Listed below are just a few of the factors used by your company to calculate prices.

• Never go without car insurance – Driving any period of time without insurance is illegal and any future policy may cost more because you let your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.
• Lower comp and collision deductibles cost more – Your deductibles define how much you are willing to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims could be colliding with a stationary object, animal collisions, or theft of your vehicle. The more of the claim the insured is willing to pay, the less your company will charge you for insurance.
• Can a thief steal your car? – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
• You may save more by combining policies – Many car insurance companies provide better rates to clients who carry more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even if you already get this discount, drivers will still want to check prices from other companies to verify if the discount is saving money.
• Prices also based on gender – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men get in accidents at about the same rate, but guys tend to have more serious accidents. Men also statistically get cited for more serious violations like driving under the influence (DUI).
• Discounts for married drivers – Having a wife or husband actually saves money compared to being single. Having a significant other generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.
• What type of vehicle do you drive? – The type of car you are insuring makes a substantial difference in your rates. The cheapest insurance rates will generally be found on lower cost passenger cars, but the final cost of insurance is determined by many other factors. Because the Honda Accord Crosstour is classified as a crossover, insurance will be slightly more when compared to the average rates in Atlanta.
• Loss probability for a Honda Accord Crosstour – Insurers take into consideration historical loss data for every vehicle when they file their rates in each state. Models that are shown to have high amounts or severity of claims will have higher rates for specific coverages. The table below shows the historical loss data for Honda Accord Crosstour vehicles.

  For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are under 100 are indicative of better than average losses, while percentage numbers above 100 point to more frequent losses or tendency to have higher 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comparing quotes from local Atlanta insurance agencies

Many people would prefer to talk to an insurance agent. One of the great benefits of comparing rate quotes online is that you can find better rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Atlanta.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to insurance agents in Atlanta who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go straight to your inbox. You can find the lowest rates without having to waste a lot of time. If you have a need to get a rate quote from one company in particular, you can always search and find their rate quote page and submit a quote form there.

Not all auto insurance agents are the same

If you want to buy auto insurance from a local agent, you must know there are a couple different types of agencies and how they can service your needs differently. Agents in Atlanta are classified as either independent (non-exclusive) or exclusive.

Independent Auto Insurance Agents

Independent insurance agents are not limited to a single company and that gives them the ability to insure through many companies and find the cheapest auto insurance rates. If premiums increase, your agent can just switch to a different company and you won’t have to switch agencies. When comparing auto insurance prices, you absolutely need to get some free quotes from several independent insurance agents so that you can do a thorough price comparison. Many independent agencies also insure through less well-known companies which can save you money.

Shown below are independent insurance agencies in Atlanta that may be able to provide free rate quotes.

• White and White Insurance
  2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map
• Georgia Insurance Brokerage
  193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map
• Yates Insurance Agency
  2800 Century Pkwy NE #300 – Atlanta, GA 30345 – (404) 633-4321 – View Map

More insurance agents

Exclusive Auto Insurance Agents

Agents of this type can only provide one company’s prices and some examples include Farmers Insurance and State Farm. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are trained well on sales techniques which helps them compete with independent agents. Some people will only use the same agent partially due to the prominent brand name and solid financial strength.

The following are Atlanta exclusive agents that can give you comparison quotes.

• Carter Nicholson – State Farm Insurance Agent
  3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739 – View Map
• American Family Insurance – Sheree Johnson
  1218 Fairburn Rd SW #204 – Atlanta, GA 30331 – (404) 682-1940 – View Map
• Shiron Kilgore – State Farm Insurance Agent
  42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883 – View Map

More insurance agents

Choosing the best auto insurance agent requires you to look at more than just a cheap price quote. Any agent in Atlanta should be willing to answer these questions.

• Where are claims handled?
• What will you get paid if your car is a total loss? How is that amount determined?
• What is the agency’s Better Business Bureau rating?
• Are you getting all the discounts the company offers?
• If you have an accident, will your rates go up?
• Can you use your own choice of collision repair facility?
• How are they compensated?
• Do they have cheaper tiers of coverage?

Do drivers who switch really save $396 a year?

Big name companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you get a free Atlanta auto insurance quote and switch your car insurance coverage to their company. But how can every company cost less than your current company? It’s all in the words they use.

Companies have an ideal profile for the type of customer that is profitable for them. An example of a driver they prefer could possibly be between the ages of 30 and 45, is a homeowner, and drives a car with an anti-theft system. A customer getting a price quote who fits those characteristics will qualify for the lowest prices in Atlanta and will probably cut their Honda Accord Crosstour insurance rates if they switch.

Insureds who cannot meet this ideal profile will be charged a higher rate which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently make those statements.

Because of this risk profiling, you really should compare many company’s premium rates. It’s impossible to know with any certainty which company will provide the lowest Honda Accord Crosstour insurance in Atlanta.

Affordable car insurance rates are out there

People change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company can be pretty painless.

Lower-priced Honda Accord Crosstour insurance in Atlanta is definitely available from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not offer online rate quotes and many times these regional carriers work with independent insurance agencies.

When searching for cheaper Atlanta auto insurance quotes, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

More detailed car insurance information can be read in these articles:

• Tread Depth and Tire Safety (State Farm)
• Who Has Affordable Atlanta Auto Insurance Rates for Drivers with Good Credit? (FAQ)
• Who Has Cheap Atlanta Car Insurance Quotes for Seniors? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Steps to Take After an Auto Accident (Insurance Information Institute)