Cheapest Honda Accord Crosstour Insurance in Lincoln

Insurance rates Honda Accord Crosstour in LincolnDo you need a fast way to compare more competitive Honda Accord Crosstour insurance in Lincoln? Have you finally had enough of paying out the nose to pay insurance each month? Your situation is no different than many other Nebraska drivers.

Shockingly, most consumers in Nebraska kept their policy with the same company for over three years, and almost 40% of drivers have never compared quotes from other companies. American drivers could save 46.5% a year by just comparing rate quotes, but they don’t believe the actual amount they would save if they switched.

How to buy low-cost Honda Accord Crosstour insurance in Lincoln

The most effective way to get the cheapest Honda Accord Crosstour insurance is to make a habit of comparing prices annually from companies who provide auto insurance in Lincoln.

First, try to understand coverages and the modifications you can make to keep rates down. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and poor credit can be remedied by making small lifestyle or driving habit changes. Read the full article for tips to help prevent costly coverage and find available discounts that you may qualify for.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.

Third, compare the new rates to your current policy premium and determine if cheaper Accord Crosstour coverage is available. If you can save some money and make a switch, ensure there is no coverage lapse between policies.

Fourth, notify your agent or company of your intention to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new agent or company. As soon as you receive it, place the new proof of insurance certificate in an easily accessible location in your vehicle.

The key thing to know about shopping around is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote request and and to get rates from every company you can. This guarantees a fair rate comparison and the best price selection.

Vehicle owners have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to compare company pricing for Honda Accord Crosstour insurance in Lincoln.

Consumers should take time to compare premium rates periodically because prices fluctuate regularly. Despite the fact that you may have had the best rate on Honda Accord Crosstour insurance in Lincoln a year ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

The car insurance companies shown below are ready to provide quotes in Nebraska. If your goal is to find the best car insurance in Nebraska, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Cheaper rates with these discounts

Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so the below list has a few of the more common and the more hidden insurance savings.Insurance discounts

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.

The information below shows the difference between Honda Accord Crosstour insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

The best insurance companies and the discounts they provide are:

If you need inexpensive Lincoln car insurance quotes, ask each company which discounts can lower your rates. Some discounts listed above might not apply in Lincoln. If you would like to view insurance companies with the best discounts in Nebraska, click here to view.

Honda Accord Crosstour insurance charts and tables

The premium table shown below highlights a range of insurance premium costs for Honda Accord Crosstour models. Having a good understanding how auto insurance prices are determined is important for you to make decisions when shopping your coverage around.


Honda Accord Crosstour Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $180 $332 $360 $22 $108 $1,002 $84
Accord Crosstour EX-L 2WD $180 $332 $360 $22 $108 $1,002 $84
Accord Crosstour EX-L 4WD $204 $390 $360 $22 $108 $1,084 $90
Accord Crosstour EX-L Navigation 2WD $204 $390 $360 $22 $108 $1,084 $90
Accord Crosstour EX-L Navigation 4WD $204 $390 $360 $22 $108 $1,084 $90
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Lincoln garaging location which can influence coverage prices noticeably.

Policy deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below highlight the differences in price of buying low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.


Honda Accord Crosstour insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $232 $390 $374 $22 $112 $1,155 $96
Accord Crosstour EX-L 2WD $232 $390 $374 $22 $112 $1,155 $96
Accord Crosstour EX-L 4WD $262 $460 $374 $22 $112 $1,255 $105
Accord Crosstour EX-L Navigation 2WD $262 $460 $374 $22 $112 $1,255 $105
Accord Crosstour EX-L Navigation 4WD $262 $460 $374 $22 $112 $1,255 $105
Get Your Own Custom Quote Go

Honda Accord Crosstour insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord Crosstour EX 2WD $188 $314 $374 $22 $112 $1,010 $84
Accord Crosstour EX-L 2WD $188 $314 $374 $22 $112 $1,010 $84
Accord Crosstour EX-L 4WD $212 $370 $374 $22 $112 $1,090 $91
Accord Crosstour EX-L Navigation 2WD $212 $370 $374 $22 $112 $1,090 $91
Accord Crosstour EX-L Navigation 4WD $212 $370 $374 $22 $112 $1,090 $91
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific Lincoln garaging location which can lower or raise auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $13 more each month or $156 every year averaged for all Accord Crosstour models than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 19 months between claims, you would probably be better off going with the higher deductible. Here’s the way this calculation is made.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $88
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important thing to remember is that raising deductibles means you pay more out-of-pocket when you have a claim. That will require some extra funds in the event you need to pay the deductible to have repairs made.

The diagram below illustrates how your deductible choice and can raise or lower Honda Accord Crosstour insurance rates for different age groups. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Does full coverage make sense?

The illustration below compares Honda Accord Crosstour insurance costs when comparing full coverage to liability only. The data assumes no violations or accidents, $100 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no specific rule to stop buying full coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Honda Accord Crosstour replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where removing full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

What Determines Honda Accord Crosstour Insurance Prices?

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this allows you to make good choices that may reward you with big savings. Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but other factors are more transparent like your vehicle usage or your commute time.

Independent versus exclusive auto insurance agents

A lot of people still prefer to sit down with an agent and often times that is recommended Licensed agents are highly skilled in risk management and help in the event of a claim. A nice benefit of getting online price quotes is that drivers can save money and get cheap insurance quotes but still work with a licensed agent. And supporting local agencies is important particularly in Lincoln.

Insurance agents in LincolnTo make it easy to find an agent, after completing this short form, your information is sent to local insurance agents in Lincoln that can provide free Lincoln car insurance quotes for your insurance coverage. You won’t even need to contact an agency as quotes are delivered to you. If you wish to get a price quote from a specific company, you would need to find their quoting web page and complete a quote there.

The different types of auto insurance agents

When finding a local insurance agency, there are a couple of different types of agencies and how they can write your policy. Agents can be described as either exclusive agents or independent agents. Both sell affordable insurance policies, but it’s worth mentioning the subtle differences since it can affect the type of agent you choose.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.

When comparing rate quotes, we recommend you get quotes from a couple of independent agencies in order to compare the most rates.

Shown below is a small list of independent insurance agents in Lincoln that may be able to give you comparison quotes.


5101 N 27th StLincoln, NE 68521(402) 465-1167View Map


8231 Northwoods Dr # BLincoln, NE 68505(402) 476-2951View Map


1617 Normandy Ct #102Lincoln, NE 68512(402) 436-2140View Map

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Exclusive Agents

These type of agents can only quote rates from one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are usually well trained on their products and sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Lincoln that are able to give comparison quotes.


6030 Village Dr #101Lincoln, NE 68516(402) 434-2800View Map


6100 S 58th St eLincoln, NE 68516(402) 420-5590View Map


2710 S 70th St #103Lincoln, NE 68506(402) 483-6955View Map

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Finding a good insurance agency shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.

In the end, you can save money

When searching for low cost Lincoln car insurance quotes, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Lower-priced Honda Accord Crosstour insurance in Lincoln is available on the web as well as from independent agents in Lincoln, so you should compare both so you have a total pricing picture. Some auto insurance companies don’t offer rates over the internet and many times these smaller companies only sell coverage through independent agencies.

Steps to finding discount Honda Accord Crosstour insurance in Lincoln

Truthfully, the best way to save on auto insurance rates is to annually compare prices from providers who provide car insurance in Lincoln. Rates can be compared by completing these steps.

  1. It will benefit you to learn about car insurance and the measures you can take to keep rates low. Many policy risk factors that are responsible for high rates like traffic tickets, fender benders, and a poor credit rating can be amended by making small lifestyle or driving habit changes.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple sources.
  3. Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save money and make a switch, ensure there is no coverage lapse between policies.

An important bit of advice to remember is to compare identical deductibles and limits on every quote request and and to get prices from every company you can. Doing this ensures a level playing field and the best price selection.

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