How to Compare Columbus Honda Accord Crosstour Insurance

Insurance rates Honda Accord Crosstour in ColumbusDo you want a faster way to compare lower-priced auto insurance rates in Columbus, OH? Columbus shoppers have lots of choices when shopping for affordable Honda Accord Crosstour insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the best way to get price quotes for your Honda and locate the lowest possible price.

It’s a great practice to compare rates before your policy renews because auto insurance prices fluctuate regularly. If you had the lowest quotes on Honda Accord Crosstour insurance in Columbus a year ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.

Affordable Columbus auto insurance rates with discounts

Some companies don’t always publicize every discount they offer in an easy-to-find place, so here is a list both well-publicized and also the lesser-known credits that you can use to lower your rates.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.

The example below illustrates the comparison of Honda Accord Crosstour premium costs with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.

For a list of insurance companies who offer online Honda Accord Crosstour insurance quotes in Ohio, click this link.

The car insurance companies shown below are our best choices to provide quotes in Columbus, OH. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.

Detailed insurance information

The rate information shown next showcases estimates of insurance policy prices for Honda Accord Crosstour models. Learning how insurance premiums are calculated helps drivers make smart policy decisions.


Honda Accord Crosstour Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $122 $234 $298 $18 $90 $762 $64
Accord Crosstour EX-L 2WD $122 $234 $298 $18 $90 $762 $64
Accord Crosstour EX-L 4WD $138 $276 $298 $18 $90 $820 $68
Accord Crosstour EX-L Navigation 2WD $138 $276 $298 $18 $90 $820 $68
Accord Crosstour EX-L Navigation 4WD $138 $276 $298 $18 $90 $820 $68
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can change auto insurance rates considerably.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The following insurance rates illustrate the differences in premium rates when you select higher and lower coverage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.


Honda Accord Crosstour insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $176 $296 $284 $16 $84 $881 $73
Accord Crosstour EX-L 2WD $176 $296 $284 $16 $84 $881 $73
Accord Crosstour EX-L 4WD $198 $348 $284 $16 $84 $955 $80
Accord Crosstour EX-L Navigation 2WD $198 $348 $284 $16 $84 $955 $80
Accord Crosstour EX-L Navigation 4WD $198 $348 $284 $16 $84 $955 $80
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Honda Accord Crosstour insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $142 $238 $284 $16 $84 $764 $64
Accord Crosstour EX-L 2WD $142 $238 $284 $16 $84 $764 $64
Accord Crosstour EX-L 4WD $160 $280 $284 $16 $84 $824 $69
Accord Crosstour EX-L Navigation 2WD $160 $280 $284 $16 $84 $824 $69
Accord Crosstour EX-L Navigation 4WD $160 $280 $284 $16 $84 $824 $69
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can alter rates greatly.

Based on these figures, using a $250 deductible will cost you approximately $10 more each month or $120 for a full year across all Honda Accord Crosstour models than opting for the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 25 months between claim filings, you would more than likely save some money by going with a higher deductible. The illustration below shows an example of how we made this calculation.

Average monthly premium for $250 deductibles: $77
Average monthly premium for $500 deductibles (subtract): – $67
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

The example below shows how choosing a deductible and can affect Honda Accord Crosstour insurance rates for different age groups. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Get Cheap Insurance Rates by Understanding These Factors

A large part of saving on car insurance is knowing the factors that help calculate car insurance rates. If you understand what influences your rates, this enables you to make decisions that can earn you lower car insurance prices. Many things are part of the calculation when pricing auto insurance. Some are obvious such as your driving history, although some other factors are more obscure such as your marital status or how safe your car is.

The factors shown below are some of the most common factors companies use to determine rates.

What if I want to buy from local Columbus auto insurance agents?

Many people prefer to get advice from a local agent. Good insurance agents can help you choose the best coverages and help in the event of a claim. The best thing about getting free rate quotes online is you can get the lowest rates and still have a local agent. Buying from and supporting local insurance agents is especially important in Columbus.

To find an agent, once you fill out this form (opens in new window), your information gets sent to local insurance agents in Columbus who will give competitive quotes for your insurance coverage. You don’t have to visit any agencies since price quotes are sent instantly to you. If you have a need to compare rates for a specific company, you just need to search and find their rate quote page to submit a rate quote request.

Deciding on an insurer requires more thought than just a cheap price quote. Ask your prospective agent these questions:

Upon getting good responses to all your questions as well as low cost Honda Accord Crosstour insurance quotes, it’s possible that you found a company that meets the criteria to properly service your insurance policy.

Car insurance is not optional but you don’t have to overpay

Despite the fact that car insurance is not cheap in Columbus, insuring your vehicle is mandatory in Ohio but it also protects more than you think.

The benefits of insuring your Accord Crosstour definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in Ohio overpays as much as $865 each year so we recommend shopping around every year to help ensure money is not being wasted.

Don’t give up on cheaper rates

When searching for affordable Honda Accord Crosstour insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage only to regret at claim time that it was a big mistake. Your objective should be to purchase plenty of coverage at the best cost while still protecting your assets.

Consumers switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, high prices or even policy non-renewal. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

We’ve covered a lot of techniques to reduce Honda Accord Crosstour insurance car insurance rates online in Columbus. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the best car insurance rates are with some of the smallest insurance companies.

Steps to buying low-cost Honda Accord Crosstour insurance in Columbus

The best way we recommend to find low-cost car insurance rates is to start doing a yearly price comparison from providers in Columbus.

The key thing to know about shopping around is that you’ll want to compare similar deductibles and liability limits on every quote request and and to get rates from as many companies as you can. Doing this guarantees the most accurate price comparison and the best rate selection.

Additional detailed information is located at these sites: