It’s safe to conclude that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who get comparison quotes once a year will most likely switch companies because there is a significant possibility of finding a lower-cost company. Surprisingly, a recent survey revealed that consumers who compared rate quotes regularly saved over $3,500 over four years compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly rates on car insurance in Pittsburgh is why you’re here, then learning a little about the best way to quote and compare coverage rates can save time, money, and frustration.
If you want to save the most money, the best way to find cheaper quotes for auto insurance rates is to compare prices annually from companies who provide auto insurance in Pittsburgh.
Step 1: Gain an understanding of the coverage provided by your policy and the measures you can control to prevent rate increases. Many things that cause rate increases such as traffic citations, accidents, and bad credit can be improved by improving your driving habits or financial responsibility. Read the full article for ideas to help keep prices low and get discounts that may be available to you.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can give you price quotes for many different companies.
Step 3: Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
Step 4: Notify your company or agent of your intention to cancel your current car insurance policy and submit the application along with any required down payment to your new insurance company. As soon as coverage is bound, keep your new certificate verifying coverage in your vehicle’s glove compartment or console.
An important part of this process is to use the same deductibles and limits on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and maximum price selection.
Honda Accord Crosstour insurance discounts in Pittsburgh
Companies offering auto insurance don’t list every discount in a way that’s easy to find, so the list below contains some of the more common as well as the least known discounts that may be available.
- Membership in Organizations – Participating in qualifying employment or professional organizations could trigger savings on your policy.
- Passive Restraints and Air Bags – Factory air bags can qualify for discounts of up to 25% or more.
- Good Grades Discount – Performing well in school can get you a discount of up to 25%. You can use this discount normally up to age 25.
- Sign Online – Some companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Discount for Home Ownership – Just being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
- Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
- New Vehicle Savings – Insuring a vehicle that is new can save you some money since newer vehicles are generally safer.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.
The diagram below illustrates the comparison of Honda Accord Crosstour insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania 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-car, multi-policy, claim-free, marriage, homeowner, and safe-driver discounts applied.
Some of the larger companies that have these discounts possibly include:
Check with all companies you are considering which credits you are entitled to. Savings might not apply in your area.
When comparison shopping, comparing more rates from different companies helps locate better pricing. Not every company does online price quotes, so it’s important to also get rates from them, too.
The providers in the list below have been selected to offer free quotes in Pittsburgh, PA. If you want to find cheap car insurance in PA, we recommend you compare several of them to get the best price comparison.
Analysis of Honda Accord Crosstour rates
The rate information shown below showcases a range of insurance premium costs for Honda Accord Crosstour models. Having a good understanding how auto insurance premiums are determined can help drivers make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord Crosstour EX 2WD | $136 | $264 | $432 | $26 | $130 | $988 | $82 |
| Accord Crosstour EX-L 2WD | $136 | $264 | $432 | $26 | $130 | $988 | $82 |
| Accord Crosstour EX-L 4WD | $152 | $312 | $432 | $26 | $130 | $1,052 | $88 |
| Accord Crosstour EX-L Navigation 2WD | $152 | $312 | $432 | $26 | $130 | $1,052 | $88 |
| Accord Crosstour EX-L Navigation 4WD | $152 | $312 | $432 | $26 | $130 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific garaging location which can raise or lower insurance rates substantially.
Difference between liability only and full coverage rates
The chart below shows the difference between Honda Accord Crosstour car insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The price estimates are based on no violations or accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no definitive formula to delete full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Honda Accord Crosstour book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Get Lower-cost Insurance Costs by Understanding These Factors
A large part of saving on car insurance is knowing the factors that go into determining your car insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you lower rates.
Prevent theft and save – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
Prices may be higher where you live – Choosing to live in less populated areas of the country can save you money when it comes to car insurance. Fewer drivers and short commutes translates into fewer accident claims. Drivers in populated Pennsylvania areas have to deal with traffic congestion and much longer commute distances. Longer commute distances means a statistically higher chance of an accident.
Raising coverage deductibles saves money – Protection for physical damage, aka comp and collision, covers damage that occurs to your Honda. Some examples of claims that would be covered would be a dented fender, hail damage, or theft. The deductibles are the amount of money you are required to pay if a covered claim is submitted. The more the insured is willing to pay, the lower your rates will be.
Frequent claims will cost you more – If you tend to file frequent claims, you should expect either policy cancellation or increased premiums. Companies in Pennsylvania give cheaper rates to insureds that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the large, substantial claims.
Insurance rates are higher for high performance vehicles – The performance of the car or truck you are insuring makes a significant difference in your auto insurance rates. The cheapest rates are usually for lower cost passenger vehicles, but the cost you end up paying is determined by many additional factors.
The chart below uses these variables: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Honda Accord Crosstour car insurance rates compared to other models that have a range of risk factors.
Single vs. married – Having a wife or husband can get you a discount compared to being single. Marriage is viewed as being more financially stable and it’s statistically proven that drivers who are married are more cautious.
Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations such as military generals, architects, and stock brokers generally pay higher premiums than the average policyholder because of high stress and extremely grueling work hours. Conversely, jobs like scientists, engineers and performers pay the least.
Only buy extra coverages you need – There are a lot of additional extra coverages that can add up if you aren’t careful. Coverages for vanishing deductibles, high-cost glass coverage, and extra equipment coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
Honda Accord Crosstour insurance loss probability – Companies use claims history to help determine the price you pay. Models that tend to have increased claim numbers or amounts will cost more to insure. The table below outlines the historical loss data for Honda Accord Crosstour vehicles.
For each coverage category, the loss probability for all vehicles, regardless of make or model, is a value of 100. Numbers below 100 represent a good loss history, while percentage numbers above 100 indicate a higher chance of having a claim or statistically larger claims.
| 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is available from local agents
Some people prefer to sit down with an agent and that can be a great decision The biggest benefit of getting online price quotes is the fact that drivers can get lower rates but still work with a licensed agent.
To find an agent, once you fill out this quick form, your coverage information is immediately sent to participating agents in Pittsburgh who will give you bids to get your business. It makes it easy because there is no need to find an agent because quoted prices will be sent directly to you. You can find better rates and a licensed agent to talk to. If you wish to get a rate quote from a specific company, feel free to visit that company’s website and fill out their quote form.
Deciding on an provider needs to be determined by more than just a cheap price quote. The following questions are important to ask.
- Are aftermarket or OEM parts used to repair vehicles?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Where would your vehicle be repaired?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do you need full coverage on every vehicle?
- Is coverage determined by price?
- Is the agency involved in supporting local community causes?
- Are they primarily personal or commercial lines agents in Pittsburgh?
Pittsburgh car insurance agents come in two flavors
When researching a local Pittsburgh insurance agent, you must know there are a couple types of agencies and how they can service your needs differently. Insurance agencies in Pittsburgh are categorized either exclusive or independent.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as State Farm, Allstate, and Farm Bureau. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies receive extensive training on their company’s products which helps them compete with independent agents. Many people choose to use a exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Below are Pittsburgh exclusive insurance agencies willing to provide comparison quotes.
- Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map - Adriana Pasquini – State Farm Insurance Agent
735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268 – View Map - Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map
Independent Insurance Agents
Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with lots of companies and find you cheaper rates. To move your coverage to a new company, they simply move your policy to a different company which requires no work on your part.
When comparing auto insurance prices, you should always contact at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with small mutual carriers who may have lower rates.
Listed below is a list of independent insurance agents in Pittsburgh who can help you get price quotes.
- McElhinny Insurance Agency LLC
5624 Brownsville Rd – Pittsburgh, PA 15236 – (412) 650-5700 – View Map - Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map - A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581 – View Map
If you feel you receive good feedback to any questions you have and locked in a price quote, you’ve probably found an insurance agency that can be trusted to provide auto insurance coverage. But remember, once you purchase a policy you can terminate your policy whenever you choose to so never assume that you are permanently stuck with a specific agent for the full term.
Choosing the best Honda vehicle insurance in Pennsylvania is an important decision
Despite the high insurance cost for a Honda Accord Crosstour in Pittsburgh, maintaining insurance is required in Pennsylvania but also provides important benefits.
- Just about all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance in order to get the vehicle licensed. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Accord Crosstour has a loan, almost all lenders will require that you have full coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Honda at a significantly higher premium and require you to fork over for the expensive policy.
- Insurance safeguards both your car and your assets. It also can pay for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. But the average American driver is wasting up to $825 a year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
Persistence will pay off
We just showed you quite a bit of information on how to get a better price on Honda Accord Crosstour insurance in Pittsburgh. It’s most important to understand that the more you quote Pittsburgh auto insurance, the better chance you’ll have of finding affordable Honda Accord Crosstour insurance quotes. Consumers may even find the biggest savings come from a smaller regional carrier.
The cheapest Honda Accord Crosstour insurance in Pittsburgh can be found online and with local Pittsburgh insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not have online rate quotes and these regional insurance providers only sell through independent agencies.
Consumers change insurance companies for any number of reasons including high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices and even questionable increases in premium. Whatever your reason, choosing a new company can be less work than you think.
To learn more, link through to the articles below:
- Understanding your Policy (NAIC.org)
- Information for Teen Drivers (GEICO)
- Driving in Bad Weather (Insurance Information Institute)