Compare Honda Accord Crosstour Insurance Quotes in Oakland

If you want to save the most money, the best way to get low-cost car insurance rates in Oakland is to compare quotes annually from providers that sell auto insurance in California. You can compare prices by following these steps.

Step 1: Get a basic knowledge of the different coverages in a policy and the steps you can take to keep rates in check. Many policy risk factors that cause rate increases like multiple speeding tickets and a not-so-good credit history can be remedied by making minor changes in your lifestyle. Continue reading for additional tips to help prevent costly coverage and get additional discounts.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers.

Step 3: Compare the quotes to your current policy premium to see if a cheaper rate is available. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.

Step 4: Give notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new insurance company. As soon as coverage is bound, keep your new certificate verifying proof of insurance somewhere easily accessible.

A valuable tip to remember is to make sure you enter similar deductibles and liability limits on every price quote and and to get quotes from as many different companies as possible. This ensures a level playing field and the best price selection.

Discount Honda Accord Crosstour insuranceAstonishing but true, most drivers have bought auto insurance from the same company for at least four years, and roughly 40% of drivers have never quoted auto insurance rates at all. Oakland insurance shoppers could save themselves as much as 35% a year just by shopping around, but they don’t know how much savings they would realize if they moved their coverage to a different company.

Locating the best rates in Oakland can be made easier if you know where to look. If you have a current car insurance policy, you will surely be able to find the best rates using the techniques presented in this article. Drivers just need to learn the quickest way to find the lowest price on the web.

The car insurance companies shown below are our best choices to provide price comparisons in California. If you want to find the best cheap car insurance in CA, it’s a good idea that you visit several of them in order to find the lowest rates.

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

Despite the high cost of buying insurance for a Honda Accord Crosstour in Oakland, insuring your vehicle serves an important purpose.

The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying over $869 every year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

Rate information and statistics

The premium information displayed below showcases a range of insurance premium costs for Honda Accord Crosstour models. Learning how rates are established can be valuable when making smart choices when selecting a coverage provider.


Honda Accord Crosstour Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $238 $454 $624 $36 $186 $1,538 $128
Accord Crosstour EX-L 2WD $238 $454 $624 $36 $186 $1,538 $128
Accord Crosstour EX-L 4WD $270 $536 $624 $36 $186 $1,652 $138
Accord Crosstour EX-L Navigation 2WD $270 $536 $624 $36 $186 $1,652 $138
Accord Crosstour EX-L Navigation 4WD $270 $536 $624 $36 $186 $1,652 $138
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can alter coverage rates noticeably.

Rate comparison for different deductibles

A question often asked by Oakland drivers is how high should your deductibles be. The following tables may help to conceptualize the cost difference when you select higher and lower insurance deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.


Honda Accord Crosstour insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $380 $686 $552 $32 $166 $1,841 $153
Accord Crosstour EX-L 2WD $380 $686 $552 $32 $166 $1,841 $153
Accord Crosstour EX-L 4WD $430 $810 $552 $32 $166 $2,015 $168
Accord Crosstour EX-L Navigation 2WD $430 $810 $552 $32 $166 $2,015 $168
Accord Crosstour EX-L Navigation 4WD $430 $810 $552 $32 $166 $2,015 $168
Get Your Own Custom Quote Go

Honda Accord Crosstour insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $210 $362 $552 $32 $166 $1,322 $110
Accord Crosstour EX-L 2WD $210 $362 $552 $32 $166 $1,322 $110
Accord Crosstour EX-L 4WD $238 $426 $552 $32 $166 $1,414 $118
Accord Crosstour EX-L Navigation 2WD $238 $426 $552 $32 $166 $1,414 $118
Accord Crosstour EX-L Navigation 4WD $238 $426 $552 $32 $166 $1,414 $118
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in your specific Oakland location which can revise premiums noticeably.

Based on this data, using a $100 deductible costs about $47 more each month or $564 each year than opting for 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 average more than 19 months between claims, you would more than likely save some money going with the higher deductible. The table below shows a better example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $162
Average monthly premium for $1,000 deductibles (subtract): – $115
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket at claim time. You need to have some non-essential savings in the event you have to pay the higher deductible in order to repair your vehicle.

Insurance policy discounts for Honda Accord Crosstour insurance in Oakland

Insurance can be prohibitively expensive, but there may be some discounts that could drop your premiums quite a bit. Certain credits will be shown at the time of quoting, but some need to be asked for prior to getting the savings.Discount insurance

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The illustration below illustrates the difference between Honda Accord Crosstour auto insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.

If you would like to choose from a list of insurance companies who offer online Honda Accord Crosstour insurance quotes in Oakland, click here to view.

When should I discuss my situation with an agent?

Always keep in mind that when comparing insurance from an agent or online for your vehicles, there isn’t really a one size fits all plan. You are unique.Insurance savings

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.