Want low-cost insurance rates in Madison, WI? Madison consumers have many options when looking for the best price on Honda Accord Crosstour insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates.
There is a better way to shop for insurance so you’re going to learn the best way to get price quotes on a Honda and obtain the lowest possible price from Madison insurance agents and online providers.
Anyone knows that auto insurance companies don’t want you to look for a cheaper policy. Consumers who rate shop once a year are very likely to buy a new policy because the odds are good of finding discount prices. A study discovered that consumers who compared prices regularly saved $3,500 over four years compared to policyholders who never shopped around.
If saving money on auto insurance in Madison is why you’re here, then learning a little about how to get rate quotes and compare insurance rates can make it simple to find affordable coverage.
The purpose of this article is to help educate you on how car insurance works and some money-saving tips. If you have coverage now, you should be able to cut your premiums using the ideas covered in this article. Drivers just have to learn the proper way to compare rate quotes using one simple form.
Lowering your Honda Accord Crosstour auto insurance rates can be relatively painless. The only requirement is to invest a few minutes comparing free Madison car insurance quotes from some recommended companies.
The car insurance companies shown below have been selected to offer free rate quotes in Madison, WI. To get cheap auto insurance in Madison, WI, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Three good reasons to insure your Accord Crosstour
Despite the fact that auto insurance is not cheap in Madison, insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to drive the car. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Accord Crosstour, most lenders will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Honda at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Insurance protects not only your Honda Accord Crosstour but also your financial assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your Accord Crosstour outweigh the cost, particularly when you have a large claim. On average, a vehicle owner in Madison is overpaying more than $869 every year so you should quote rates every year to save money.
Coverage analysis
The data table displayed next showcases a range of prices for Honda Accord Crosstour models. Understanding how car insurance prices are calculated is important for making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $152 | $294 | $324 | $20 | $98 | $888 | $74 |
| Accord Crosstour EX-L 2WD | $152 | $294 | $324 | $20 | $98 | $888 | $74 |
| Accord Crosstour EX-L 4WD | $172 | $346 | $324 | $20 | $98 | $960 | $80 |
| Accord Crosstour EX-L Navigation 2WD | $172 | $346 | $324 | $20 | $98 | $960 | $80 |
| Accord Crosstour EX-L Navigation 4WD | $172 | $346 | $324 | $20 | $98 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in garaging location in Madison which can decrease or increase premium rates substantially.
The information below shows how choosing a deductible and can increase or decrease Honda Accord Crosstour yearly insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of Honda Accord Crosstour car insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
Should you be buying full coverage?
There is no set rule that is best for determining when to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s pretend your Honda Accord Crosstour book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If you are paying over $500 a year for full coverage, then you might want to consider buying only liability coverage.
There are some situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Discount Madison auto insurance quotes
Some companies don’t list every discount they offer very well, so below is a list some of the more common and the harder-to-find credits available to lower your premiums when you buy Madison car insurance online.
- Clubs and Organizations – Joining a professional or civic organization can get you a small discount on your policy.
- Multiple Cars – Buying insurance for primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
- 55 and Retired – Older drivers could receive a small decrease in premiums.
- Good Students Pay Less – This discount may save as much as 25% on a Madison car insurance quote. Earning this discount can benefit you up until you turn 25.
- Drive Safe and Save – Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, that’s just not realistic.
The illustration below visualizes the comparison of Honda Accord Crosstour insurance prices with and without discounts being applied to the rates. The rate quotes are based on a male driver, no violations or claims, Wisconsin state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.
Popular auto insurance companies and a summarized list of policyholder discounts are shown below.
- State Farm has savings for defensive driving training, multiple policy, student away at school, good driver, anti-theft, and driver’s education.
- GEICO offers discounts for anti-theft, daytime running lights, defensive driver, membership and employees, driver training, federal employee, and emergency military deployment.
- Allstate discounts include EZ pay plan discount, economy car, anti-theft, premier discount, and new car.
- SAFECO may have discounts that include bundle discounts, homeowner, safe driver, anti-lock brakes, drive less, teen safety rewards, and multi-car.
- Farm Bureau may offer discounts for safe driver, multi-vehicle, 55 and retired, driver training, and renewal discount.
- Progressive includes discounts for homeowner, good student, continuous coverage, multi-vehicle, and online signing.
- AAA may include discounts for education and occupation, pay-in-full, AAA membership discount, good student, good driver, anti-theft, and multi-car.
If you need lower rates, check with each company which discounts they offer. Some discounts may not apply to policyholders in Madison. To see a list of companies that offer some of these discounts in Madison, click here.
There’s no such thing as the perfect car insurance policy
When it comes to your policy for your vehicles, there really isn’t a “best” method to buy coverage. Your financial needs are unique and your car insurance should unique, too.
Here are some questions about coverages that can help discover if you might need an agent’s assistance.
- How can I force my company to pay a claim?
- Will my rates increase for filing one claim?
- How many claims can I have before being canceled?
- How much liability insurance is required?
- Do I pay less for low miles?
- Can good grades get a discount?
- I have health insurance so do I need medical payments coverage?
- Can I rate high risk drivers on liability-only vehicles?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.