Auto Insurance Quotes for a Honda Accord Crosstour in Orlando

Shockingly, the vast majority of car insurance customers in Florida have purchased from the same company for over three years, and 38% of customers have never even compared quotes to find affordable rates. The average driver in the United States can save hundreds of dollars each year by just shopping around, but most undervalue the big savings they would realize if they just switched companies.

To save the most money, the best way to get low-cost Honda Accord Crosstour insurance in Orlando is to start comparing prices regularly from insurance carriers who can sell car insurance in Florida.

• First, gain an understanding of how companies price auto insurance and the things you can control to keep rates down. Many rating factors that cause rate increases like accidents, traffic violations, and a substandard credit score can be controlled by making small lifestyle or driving habit changes. Read the full article for instructions to help prevent costly coverage and find overlooked discounts.
• Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote prices from multiple insurance companies. Begin your rate comparison
• Third, compare the price quotes to the price on your current policy to determine if you can save on Accord Crosstour insurance. If you find a lower rate quote, make sure coverage does not lapse between policies.
• Fourth, provide proper notification to your current company of your intent to cancel your current coverage and submit payment and a signed application for the new coverage. Make sure you place your new certificate verifying proof of insurance along with the vehicle’s registration papers.

An important note is to try to compare the same level of coverage on every price quote and and to get quotes from as many car insurance companies as possible. This ensures a fair price comparison and a complete price analysis.

Cheapest companies for Honda Accord Crosstour insurance

The companies shown below have been selected to offer price comparisons in Orlando, FL. To locate the best cheap car insurance in Orlando, it’s highly recommended you click on several of them to find the cheapest car insurance rates.

Insurance coverage analysis

The coverage information shown below showcases a range of insurance prices for Honda Accord Crosstour models. Learning how prices are determined is important to be able to make informed decisions when comparing rate quotes.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific location which can change rates noticeably.

Can higher deductibles save money?

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The figures shown below can help you understand how much more rates are between low and high deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

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

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $45 more each month or $540 annually across all Honda Accord Crosstour models than requesting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 20 months between claims, you would more than likely save some money by selecting a higher deductible. The numbers below show an example of how you can make this decision for your own policy.

The illustration below illustrates how your choice of deductibles and can change Honda Accord Crosstour insurance costs for different ages of insureds. The information is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Annual premiums for males versus females

The chart below visualizes the comparison of Honda Accord Crosstour insurance premiums for male and female drivers. Data assumes no accidents or driving violations, full coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

Cheaper Orlando car insurance quotes with discounts

Not many people think insurance is cheap, but you might find some hidden discounts that you may not know about. A few discounts will automatically apply when you get a quote, but some must be specifically requested before they will apply.

• Multi-car Discount – Buying a policy with all your vehicles on a single policy may reduce the rate for each vehicle.
• Discounts for Safe Drivers – Safe drivers may save up to 50% more than their less cautious counterparts.
• Policy Bundle Discount – If you can combine your auto and home policy and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
• Good Grades Discount – Maintaining excellent grades may save as much as 25% on a Orlando auto insurance quote. Earning this discount can benefit you until age 25.

Don’t be shocked that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

The diagram below shows the difference between Honda Accord Crosstour auto insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

Companies and some of the discounts are:

• Progressive offers discounts including multi-policy, continuous coverage, online signing, multi-vehicle, online quote discount, good student, and homeowner.
• The Hartford offers discounts for bundle, driver training, good student, defensive driver, and anti-theft.
• Mercury Insurance may include discounts for annual mileage, good student, age of vehicle, good driver, and ease of repair.
• GEICO has savings for seat belt use, air bags, five-year accident-free, multi-vehicle, driver training, federal employee, and good student.
• AAA may have discounts that include multi-car, AAA membership discount, pay-in-full, good student, education and occupation, anti-theft, and good driver.
• State Farm may offer discounts for anti-theft, multiple autos, student away at school, defensive driving training, good driver, and Drive Safe & Save.

Before you buy a policy, ask all companies you are considering to apply every possible discount. A few discounts might not be available to policyholders everywhere. If you would like to view car insurance companies who offer discounts in Orlando, click here to view.

Exclusive and independent car insurance agents

Certain consumers still prefer to sit down with an agent and that is a personal choice. Agents are very good at helping people manage risk and help you file claims. A good thing about comparing insurance prices online is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to.

Upon completion of this simple form, your coverage information is submitted to local insurance agents that provide free Orlando auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around because quoted prices will be sent to your email. If you need to compare rates for a specific company, just search and find their rate quote page to submit a rate quote request.

Choosing the best insurance company requires more thought than just the price. You should also get answers to these questions.

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they prorate repair cost based on vehicle mileage?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Can they help ensure a fair claim settlement?
• What are their preferred companies if they are an independent agency?
• Do they specialize in personal lines auto insurance in Orlando?
• Do the companies they represent have a solid financial rating?

If you are searching for a local agent, it’s important to understand the types of insurance agents that you can choose from. Agencies in Orlando can be categorized as either exclusive agents or independent agents. Both can provide auto insurance policies, but it’s good to learn the subtle differences because it can impact the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide prices from multiple companies so they really need to provide good service. They are usually well trained on what they offer which helps them sell on service rather than price. Consumers frequently purchase coverage from exclusives mainly due to the prominence of the brand and solid financial strength.

Listed below is a short list of exclusive agents in Orlando willing to provide price quotes.

• Allstate Insurance: Luis T. Martell
  7800 W Sand Lake Rd #201 – Orlando, FL 32819 – (407) 522-9293 – View Map
• Marylou Davis – State Farm Insurance Agent
  6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
• Terri Marshall – State Farm Insurance Agent
  5555 E Michigan St #104 – Orlando, FL 32822 – (407) 380-5689 – View Map

More insurance agents

Independent Agents

Independent insurance agents do not have single company limitations and that gives them the ability to insure through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

If you are comparing auto insurance prices, you need to get some free quotes from several independent agencies for maximum quote selection. Most independent agents also contract with small regional insurance companies which can save you money.

Listed below is a list of independent insurance agencies in Orlando who can help you get price quote information.

• Universal Insurance Agency
  1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116 – View Map
• J Meyers Insurance Agency
  5003 Old Cheney Hwy – Orlando, FL 32807 – (407) 273-0230 – View Map
• Orlando Health Insurance Agent
  7898 Canyon Lake Cir – Orlando, FL 32835 – (321) 446-6527 – View Map

More insurance agents

Car insurance coverages 101

Learning about specific coverages of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage covers damage to your Accord Crosstour resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Accord Crosstour to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Accord Crosstour.

Since many Florida drivers have only the minimum liability required by law (10/20/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like X-ray expenses, chiropractic care, EMT expenses and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a bird and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 10/20/10 which means $10,000 bodily injury coverage, a per accident bodily injury limit of $20,000, and property damage coverage for $10,000.

Liability insurance covers claims such as pain and suffering, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but you should consider buying higher limits.

The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.

In Summary

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, high prices or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

We just showed you a lot of techniques to get a better price on Honda Accord Crosstour insurance in Orlando. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with the least-expected company.

Low-cost Honda Accord Crosstour insurance in Orlando is available both online and with local Orlando insurance agents, so you need to quote Orlando auto insurance with both to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and usually these regional carriers only sell through independent insurance agencies.

Additional detailed information can be found by following these links:

• Understanding your Policy (NAIC.org)
• Who Has Affordable Car Insurance Rates for Drivers Requiring a SR22 in Orlando? (FAQ)
• Who Has Affordable Auto Insurance for First-time Drivers in Orlando? (FAQ)
• Who Has Affordable Orlando Auto Insurance Rates for Drivers Over Age 70? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for High Mileage Drivers in Orlando? (FAQ)
• Who Has Affordable Orlando Auto Insurance Rates for Uninsured Drivers? (FAQ)
• What Insurance is Cheapest for a Nissan Sentra in Orlando? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (GEICO)