Save Money on Honda Accord Crosstour Insurance in Oklahoma City

If your goal is the lowest price, then the best way to find cheaper prices for Honda Accord Crosstour insurance in Oklahoma City is to annually compare prices from providers that insure vehicles in Oklahoma. Price quotes can be compared by following these guidelines.

• Step 1: Take a little time to learn about auto insurance and the factors you can control to keep rates down. Many factors that result in higher prices such as accidents, traffic tickets, and a negative credit score can be improved by paying attention to minor details.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies.
• Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available in Oklahoma City. If you find better rates, ensure there is no coverage lapse between policies.
• Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy. Submit a signed application and payment to your new company or agent. Make sure you keep your new certificate of insurance with your registration paperwork.

The key aspect of shopping around is that you’ll want to compare the same amount of coverage on every price quote and and to compare as many companies as possible. Doing this provides a fair price comparison and a thorough price selection.

A recent survey discovered that most insurance customers renewed their policy with the same company for well over three years, and practically 40% of insurance customers have never quoted rates to find affordable coverage. Oklahoma City insurance shoppers could save up to 35% a year by just comparing quotes, but they just feel it’s too hard to compare rate quotes.

If you already have coverage, you stand a good chance to be able to lower your rates using these methods. Quoting and buying cheaper auto insurance policy in Oklahoma City is not as hard as you think. Although Oklahoma vehicle owners need to have an understanding of the way insurance companies determine premium rates because it can help you find the best coverage.

The quickest method we recommend to compare policy rates for Honda Accord Crosstour insurance in Oklahoma City takes advantage of the fact most larger insurance companies have advanced systems to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details like whether the vehicles are used for commuting, coverage limits, your education level, and if you have a valid license. Those rating factors gets sent immediately to many of the top insurers and you will receive price estimates within a short period of time.

If you would like to compare rates now, click here and complete the form.

The providers in the list below offer comparison quotes in Oklahoma City, OK. If several companies are displayed, we suggest you get rates from several of them to get a more complete price comparison.

Score discounts on Oklahoma City insurance

Companies do not list all possible discounts in an easy-to-find place, so the list below contains a few of the more well known and also the lesser-known savings tricks you should be using when you buy Oklahoma City auto insurance online.

• Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease but check with your company.
• 55 and Retired – Drivers that qualify as senior citizens are able to get lower premium rates.
• Auto/Life Discount – Some insurance companies give a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
• Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

The illustration below shows the difference between Honda Accord Crosstour yearly insurance costs with and without discounts applied. The data assumes a female driver, no violations or claims, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, marriage, and multi-car discounts applied.

A few popular companies and some of the premium reductions they offer are included below.

• GEICO has savings for five-year accident-free, good student, anti-lock brakes, air bags, military active duty, and anti-theft.
• Travelers may include discounts for continuous insurance, save driver, IntelliDrive, payment discounts, and multi-policy.
• Nationwide includes discounts for accident-free, business or organization, multi-policy, family plan, good student, defensive driving, and anti-theft.
• Farmers Insurance has discounts for bundle discounts, pay in full, homeowner, youthful driver, good student, electronic funds transfer, and alternative fuel.
• Esurance offers discounts including claim free, DriveSense, online shopper, paid-in-full, and homeowner.
• State Farm may offer discounts for multiple policy, accident-free, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.
• Progressive offers premium reductions for continuous coverage, online quote discount, good student, homeowner, and online signing.
• Mercury Insurance may have discounts that include annual mileage, good driver, accident-free, good student, location of vehicle, and professional/association.

Before buying, ask every insurance company how many discounts you can get. Some discounts might not apply in your state.

Rates and statistics

The premium information below outlines different insurance coverage prices for Honda Accord Crosstour models. Having knowledge of how policy rates are formulated can be useful when making smart choices when purchasing an insurance policy.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in garaging location in Oklahoma City which can revise price quotes significantly.

Comparison of policy deductibles

A question often asked by Oklahoma City drivers is how high should the physical damage deductibles be. The data tables below summarize the rate differences when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can influence prices noticeably.

Based on the above data, using a $100 deductible will cost you approximately $32 more each month or $384 a year than buying the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would probably be better off if you elect the higher deductible.

The chart below shows how choosing a deductible and can raise or lower Honda Accord Crosstour insurance premiums for different age categories. The information is based on a married female driver, comp and collision included, and no additional discounts are factored in.

How to find a good Oklahoma auto insurance company

Picking a high-quality auto insurance company is hard considering how many different insurance companies sell coverage in Oklahoma City. The company rank data shown below could help you choose which coverage providers you want to consider purchasing from.

Top 10 Oklahoma City Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Reduce Insurance Rates with These Tips

Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as traffic violations, although others are not as apparent like your vehicle usage or your financial responsibility.

Insurance rates are higher for high performance vehicles – The performance of the car, truck or SUV you own makes a significant difference in the rate you pay. Lower cost passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.

The following chart uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Honda Accord Crosstour rates compared to other vehicles that have different performances.

Avoid tickets and save – Attentive drivers get better rates compared to drivers with tickets. Even a single speeding ticket can increase rates substantially. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state’s licensing department in order to prevent their license from being revoked.

The chart below illustrates how speeding tickets and at-fault collisions influence Honda Accord Crosstour insurance rates for different insured age categories. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Men pay more for auto insurance – Statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. Both genders cause auto accidents at a similar rate, but the males have costlier accidents. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).

The illustration below illustrates the difference between Honda Accord Crosstour car insurance rates for male and female drivers. The information is based on no violations or claims, comp and collision included, $500 deductibles, single status, and no additional discounts are factored in.

Being married can lower costs – Being married may save some money when shopping for car insurance. It demonstrates that you tend to be less irresponsible and it’s proven that drivers who are married are more cautious.

Honda Accord Crosstour insurance loss statistics – Insurers analyze the history of losses as a way to help calculate a profitable premium rate. Vehicles that tend to have increased claim numbers or amounts will cost more for coverage.

The table shown below demonstrates the historical loss data for Honda Accord Crosstour vehicles. For each type of coverage, the loss probability for all vehicles, as an average, is represented as 100. Values under 100 represent a good loss history, while numbers above 100 indicate frequent claims or a tendency for claims to be larger.