Affordable Honda Accord Crosstour Insurance in Jersey City

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Discount Honda Accord Crosstour insuranceUnbelievable but true according to a study a large majority of drivers kept their coverage with the same car insurance company for well over three years, and 38% of customers have never quoted rates to find cheaper coverage. Jersey City drivers could pocket 40% a year, but most undervalue the big savings they would realize if they switched to a cheaper policy.

Truthfully, the best way to get the cheapest Honda Accord Crosstour insurance in Jersey City is to begin comparing prices regularly from companies in New Jersey. Rate comparisons can be done by following these steps.

  1. Spend some time learning about auto insurance and the changes you can make to keep rates down. Many things that result in higher rates such as your driving record and an unacceptable credit history can be improved by making minor changes to your lifestyle. Later in this article we will cover additional tips to help find cheaper rates and find overlooked discounts.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from many different companies.
  3. Compare the new quotes to your existing coverage to see if a cheaper rate is available in Jersey City. If you can save some money and buy the policy, verify that coverage does not lapse between policies.

A key point to remember is to compare identical deductibles and limits on each price quote and and to get rates from as many auto insurance providers as possible. Doing this enables an accurate price comparison and the best price selection.

Smart Consumers Save Money

Many things are taken into consideration when premium rates are determined. Some factors are common sense like a motor vehicle report, although others are more transparent like your vehicle usage or how financially stable you are.

  • Performance makes a difference - The performance level of the car or truck you are buying insurance for makes a significant difference in how high your rates are. Economy passenger vehicles generally have the cheapest insurance rates, but many other things help determine your insurance rates.

    The following data is based on a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Honda Accord Crosstour insurance premiums compared to other makes and models that have a range of performances.

  • Buy a safe car and pay less - Vehicles that have high safety ratings can get you lower premiums. Vehicles engineered for safety protect occupants better and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Honda is rated at least four stars on it may cost less to insure.
  • Keep the miles off and save - Driving more miles each year the more you will pay for insurance. Almost all companies charge to insure your cars based on how the vehicle is used. Autos that do not get driven very much receive better premium rates than those used for commuting. Verify your insurance policy correctly shows the proper vehicle usage, because it can save money. An incorrectly rated Accord Crosstour may be costing you higher rates.
  • No insurance claims equals cheap insurance rates - Insurance companies in New Jersey generally give cheaper rates to policyholders that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Your address can push rates up or down - Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers who live in large cities have more auto accidents and a longer drive to work. Less people translates into fewer accidents and also fewer theft and vandalism claims.
  • Low credit rating equals high rates - Having a bad credit score factor in determining what you pay. Drivers who have high credit scores tend to be less risk to insure than drivers with poor credit scores. If your credit score can use some improvement, you could potentially save money when insuring your Honda Accord Crosstour if you improve your credit rating.
  • Youthful drivers cost more - Inexperience drivers are known to get distracted easily when driving and because of this, their insurance rates are much higher. Older drivers are more responsible, file fewer claims, and usually have better credit.

    The following data is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Honda Accord Crosstour insurance loss statistics - Insurance companies include the past claim history for a vehicle to help set a rate to offset losses. Vehicles that are shown to have increased losses will cost more for specific coverages.

    The table below shows the insurance loss data used by companies for Honda Accord Crosstour vehicles. For each insurance policy coverage type, the loss probability for all vehicles, as a total average, is set at 100. Percentages below 100 imply a favorable loss record, while values that are above 100 point to more frequent losses or tendency to have higher losses.

    Honda Accord Crosstour Insurance Claim Statistics
    Vehicle 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

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance statistics for a Honda Accord Crosstour

The rate table below outlines detailed analysis of insurance policy prices for Honda Accord Crosstour models. Learning as much as possible about how insurance policy rates are calculated can be of help when making smart choices when buying a policy.

Honda Accord Crosstour Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $412 $770 $812 $48 $242 $2,284 $190
Accord Crosstour EX-L 2WD $412 $770 $812 $48 $242 $2,284 $190
Accord Crosstour EX-L 4WD $466 $906 $812 $48 $242 $2,474 $206
Accord Crosstour EX-L Navigation 2WD $466 $906 $812 $48 $242 $2,474 $206
Accord Crosstour EX-L Navigation 4WD $466 $906 $812 $48 $242 $2,474 $206
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can impact coverage rates considerably.

Choosing deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The premium rates below can help show the rate differences when you choose different policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Honda Accord Crosstour insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $414 $746 $600 $36 $180 $2,001 $167
Accord Crosstour EX-L 2WD $414 $746 $600 $36 $180 $2,001 $167
Accord Crosstour EX-L 4WD $466 $880 $600 $36 $180 $2,187 $182
Accord Crosstour EX-L Navigation 2WD $466 $880 $600 $36 $180 $2,187 $182
Accord Crosstour EX-L Navigation 4WD $466 $880 $600 $36 $180 $2,187 $182
Get Your Own Custom Quote Go
Honda Accord Crosstour insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $230 $394 $600 $36 $180 $1,440 $120
Accord Crosstour EX-L 2WD $230 $394 $600 $36 $180 $1,440 $120
Accord Crosstour EX-L 4WD $258 $464 $600 $36 $180 $1,538 $128
Accord Crosstour EX-L Navigation 2WD $258 $464 $600 $36 $180 $1,538 $128
Accord Crosstour EX-L Navigation 4WD $258 $464 $600 $36 $180 $1,538 $128
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in vehicle location which can influence rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $51 more each month or $612 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 18 months between claim filings, you would probably be better off if you elect the higher deductible. The numbers below show an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $176
Average monthly premium for $1,000 deductibles (subtract): - $125
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $51
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important note is that a higher deductible results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. That will require some extra savings in order to pay the deductible.

Insurance rates by gender and age

The diagram below illustrates the difference between Honda Accord Crosstour annual premium costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The illustration below shows the difference between Honda Accord Crosstour annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no definitive formula of when to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's pretend your Honda Accord Crosstour settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your policy deductible. If it's costing in excess of $500 annually for full coverage, then you might consider buying liability only.

There are a few cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should maintain full coverage.

These discounts can lower your car insurance rates

Companies do not list every discount available very clearly, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy Jersey City car insurance online.Cheaper car insurance with discounts

  • Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Include Life Insurance and Save - Some insurance companies give a break if you buy a life policy as well.
  • Home Ownership Discount - Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Discount for Passive Restraints - Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Good Driver Discount - Safe drivers can save as much as half off their rates compared to accident prone drivers.
  • College Student - College-age children who are enrolled in a college that is more than 100 miles from Jersey City without a vehicle on campus can be insured at a reduced rate.
  • Defensive Driving Course - Successfully completing a safe driver course may get you a small discount if you qualify.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, car insurance companies aren't that generous. But any discount will positively reduce the amount you pay for coverage.

The chart below illustrates the difference between Honda Accord Crosstour auto insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, no accidents, no driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A few popular companies and some of the discounts can be found below.

  • Esurance has discounts for Pac-12 alumni, good driver, emergency road assistance, anti-theft, defensive driver, and paid-in-full.
  • The Hartford may have discounts that include defensive driver, good student, air bag, anti-theft, bundle, vehicle fuel type, and driver training.
  • AAA offers premium reductions for anti-theft, multi-car, multi-policy, good student, AAA membership discount, pay-in-full, and education and occupation.
  • GEICO discounts include multi-policy, membership and employees, air bags, driver training, and defensive driver.
  • State Farm policyholders can earn discounts including driver's education, good driver, accident-free, Drive Safe & Save, multiple autos, and defensive driving training.

Before you buy a policy, ask each company or agent which discounts you qualify for. Some discounts listed above might not be available to policyholders in your state. To see companies with discount car insurance rates in New Jersey, follow this link.

What is the best car insurance company in Jersey City?

Finding a highly-rated insurer can be rather challenging considering how many companies there are in New Jersey. The information displayed below can help you pick which auto insurance companies you want to consider when looking for cheaper rates.

Top 10 Jersey City Car Insurance Companies Overall

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Top 10 Jersey City Car Insurance Companies by A.M. Best Rank

  1. GEICO - A++
  2. Travelers - A++
  3. State Farm - A++
  4. USAA - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Mercury Insurance - A+
  8. Progressive - A+
  9. The Hartford - A+
  10. Esurance - A+

More comparisons equals cheaper rates

Some insurance providers may not offer online price quotes and most of the time these smaller companies prefer to sell through independent agencies. Cheaper Honda Accord Crosstour insurance in Jersey City can be bought from both online companies in addition to many Jersey City insurance agents, and you should compare price quotes from both to get a complete price analysis.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

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