Car Insurance Quotes for a Honda Accord Crosstour in Milwaukee

Looking for low-cost Honda Accord Crosstour insurance in Milwaukee? Nobody that owns a car anticipates paying for insurance, especially when they are aware that it costs too dang much.

Inconceivable but true, 70% of consumers kept their policy with the same company for four years or more, and just under half have never quoted rates to find cheap coverage. With the average insurance premium being $1,340, Wisconsin drivers can save hundreds of dollars each year, but they just don’t want to compare rate quotes online. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you have coverage now or just want to save money, you can use these tips to save money while maximizing coverage. Buying the cheapest auto insurance in Milwaukee is not rocket science. Comparison shoppers only need to know the least time-consuming way to buy auto insurance from many different companies.

The method we recommend to compare insurance rates in your area utilizes the fact auto insurance companies have advanced systems to give rate comparisons. To start a quote, the only thing you need to do is provide information including if you’re married, types of safety features, what you do for a living, and how much coverage you want. That information is instantly sent to insurance companies and they return quotes almost instantly.

To find lower cheap Honda Accord Crosstour insurance rates now, click here and find out if lower rates are available in Milwaukee.

The auto insurance companies shown below have been selected to offer free quotes in Wisconsin. If more than one company is shown, it’s a good idea that you compare several of them to get the best price comparison.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in specific Milwaukee garaging location which can affect auto insurance rates noticeably.

Physical damage deductibles

When comparing car insurance rates, the most common question is how low should you set your deductibles. The rates below illustrate the differences in price between high and low insurance deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific Milwaukee garaging location which can raise or lower coverage rates considerably.

Based on the above data, using a $100 deductible will cost you about $26 more each month or $312 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 35 months between claim filings, you would come out ahead if you elect the higher deductible.

Milwaukee car insurance discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so the following is a list of both well-publicized as well as some of the hidden car insurance savings. If you do not check that you are getting every discount you qualify for, you are throwing money away.

• Accident-Free Discounts – Good drivers with no accidents get the best car insurance rates in comparison to bad drivers.
• Student Discounts – Being a good student can save 20 to 25%. The discount lasts up to age 25.
• Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
• E-sign Discounts – A few larger online companies will give a small break for completing your application on the web.
• Distant Student – Kids who are attending college without a vehicle on campus could get you a discount.

It’s important to understand that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few popular companies and some of the discounts are:

• Farmers Insurance has discounts for homeowner, pay in full, business and professional, switch companies, early shopping, and multi-car.
• State Farm includes discounts for good student, Drive Safe & Save, driver’s education, accident-free, anti-theft, student away at school, and safe vehicle.
• Liberty Mutual discounts include newly retired, new move discount, safety features, new vehicle discount, newly married, exclusive group savings, and new graduate.
• MetLife offers discounts including claim-free, defensive driver, multi-policy, good student, and good driver.
• Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, good student, online quote discount, and continuous coverage.

It’s a good idea to ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area. To view car insurance companies who offer discounts in Milwaukee, click this link.

Why Your Insurance Rates might be higher

It’s important that you understand a few of the rating criteria that come into play when calculating your insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that may result in lower insurance prices. Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more transparent like your vehicle usage and annual miles driven.

Shown below are some of the most common factors used by companies to determine prices.

• A good credit history can save money – An insured’s credit score can be a huge factor in calculating your insurance rates. If your credit can use some improvement, you may save money insuring your Honda Accord Crosstour by taking the time to improve your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
• Defend yourself with liability insurance – The liability coverage on your policy will provide protection when a jury decides you are liable for damages caused by your negligence. It provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Too many insurance claims and you’ll pay more – Car insurance companies in Wisconsin generally give the best rates to drivers who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
• Driving citations can increase premiums – Your driving citation history can have a huge impact on auto insurance premiums. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can increase the cost of insurance to the point where it’s not affordable. Drivers unfortunate enough to have severe tickets such as DUI or willful reckless driving may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
• Lower annual miles equals lower premium – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based on how the vehicle is used. Autos that have low annual miles can get a lower rate compared to those used for work or business. Ask your agent if your declarations sheet properly reflects how each vehicle is driven, because it can save money. Having the wrong rating on your Accord Crosstour is just wasting money.
• Do you qualify for a multi-policy discount? – Many insurance companies provide better rates to buyers that have more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still get quotes from other companies to guarantee you are still saving the most. Drivers may still save more without the discount by buying insurance from a different company.
• What’s your car’s safety rating? – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Honda is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Insurance loss data for Honda Accord Crosstour vehicles – Companies include the past claim trends for vehicles when determining insurance rates. Models that the statistics show to have increased claim numbers or amounts will have a higher cost to insure. The table below outlines the loss history for Honda Accord Crosstour vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of make or model, is considered to be 100. Values that are 100 or less represent a good loss history, while values that are above 100 point to more claims or tendency to have higher losses.

  Honda Accord Crosstour Insurance Loss 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Comparing quotes from local Milwaukee car insurance agents

Many drivers still prefer to visit with an insurance agent and that is not a bad decision Insurance agents can help you choose the best coverages and help file insurance claims. An additional benefit of comparing rate quotes online is the fact that drivers can get better rates and still have an agent to talk to.

After completing this form (opens in new window), the coverage information is instantly submitted to companies in Milwaukee who can give free rate quotes for your coverage. You won’t need to contact an agency since price quotes are sent to you instantly. If you want to quote rates from a specific company, you would need to find their quoting web page and give them your coverage information.

Finding a good company should depend on more than just a cheap price. These are some questions your agent should answer.

• Are they paid to recommend certain coverages?
• Do they have 24-hour customer assistance?
• How long has the business existed?
• Will they give you a referral list?
• Does the agent have a valid license to sell insurance in Wisconsin?
• Are they primarily personal or commercial lines agents in Milwaukee?
• Which insurance company do they prefer to write with?

Listed below are agents in Milwaukee that can give you price quotes for Honda Accord Crosstour insurance in Milwaukee.

View more agents

After talking to the agent and getting answers to your satisfaction to any questions you may have and locked in a price quote, most likely you have located a company that can adequately provide auto insurance.

Be skeptical of auto insurance ads

Wisconsin consumers can’t get away from all the ads for auto insurance savings from the likes of State Farm and Allstate. All the ads tend to make the same promise that drivers can save some big amount if you move your coverage to them.

Is it even possible that every company can give you a lower rate on Honda Accord Crosstour insurance in Milwaukee? It’s all in how they say it.

Most companies have specific guidelines for the type of driver that earns them the highest profit. For example, this type of driver may need to be a married female, has a clear driving record, and insures a new vehicle. Any driver who matches that profile will get a cheap rate quote in Milwaukee and as a result will probably save when they switch companies.

Potential customers who fall outside these standards will see higher premiums which leads to the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings. Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because you never know which auto insurance company will have the lowest prices for your situation.

Find cheap rates by being thorough

More affordable insurance in Milwaukee can be sourced online in addition to many Milwaukee insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and these regional carriers provide coverage only through independent agencies.

We covered a lot of techniques to compare Honda Accord Crosstour insurance premium rates in Milwaukee. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the best price on insurance is with a lesser-known regional company. They may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.

Much more information about insurance in Wisconsin can be found on the following sites:

• State Laws for Cellphones and Texting (iihs.org)
• Who Has Cheap Car Insurance Quotes for Felons in Milwaukee? (FAQ)
• How Much are Car Insurance Rates for Used Cars in Milwaukee? (FAQ)
• Who Has Cheap Auto Insurance for a Ford Explorer in Milwaukee? (FAQ)
• Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Milwaukee? (FAQ)
• Property Damage Coverage (Liberty Mutual)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Learn About Car Insurance (GEICO)
• Understanding Limits and Deductibles (Allstate)