Cheapest 1991 Honda Accord Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2023

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Looking for lower car insurance rates for your Honda Accord? Overwhelmed by the wide range of car insurance companies? Lot’s of other consumers are too. There are so many companies to choose from that it can easily become a lot of work to find better rates.

It’s a great practice to shop coverage around before your policy renews because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Accord insurance on your last policy other companies may now be cheaper. Don’t believe everything you read about car insurance online but with this article, you’re going to get a lot of great tips on how to buy car insurance cheaper.

This article will teach you the best way to quote coverages. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Although vehicle owners do need to know the way insurance companies sell online because it can help you find the best coverage.

Don’t miss out on these five money-saving discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Discount for Switching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Accord insurance depending on your company.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags may earn rate discounts of 20% or more.
  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.

Consumers should know that some credits don’t apply the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way. But all discounts will bring down your premiums.

For a list of insurance companies who offer insurance discounts, click here to view.

The most recommended method to get rate comparisons takes advantage of the fact almost all companies actually pay money for the chance to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details such as marital status, your occupation, any included safety features, and if you went to college. Those rating factors is instantly sent to many different companies and they return quotes instantly.

To start a rate quote now, click here and complete the quick form.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my 1991 Honda Accord is totaled?
  • Are my friends covered when driving my 1991 Honda Accord?
  • What is the minimum liability in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

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Car insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as pain medications, hospital visits, dental work and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Accord caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

This provides protection from damage that occurs to other’s property or people. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Honda Accord.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Don’t break the bank

In this article, we presented a lot of tips how to get a better price on 1991 Honda Accord insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Drivers who switch companies do it for many reasons like an unsatisfactory settlement offer, denial of a claim, extreme rates for teen drivers or policy non-renewal. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

Cheap insurance can be purchased both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

Much more information about insurance is located below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

Is it possible to find affordable insurance for a 1991 Honda Accord?

Yes, it is possible to find affordable insurance for a 1991 Honda Accord. The cost of insurance can vary depending on various factors, including your location, driving history, coverage options, and the insurance provider you choose.

What are some tips for finding the cheapest insurance for a 1991 Honda Accord?

Here are some tips to help you find the cheapest insurance for your 1991 Honda Accord:

  • Shop around and compare quotes from multiple insurance providers.
  • Consider raising your deductible, as a higher deductible usually results in lower premium payments.
  • Ask about available discounts, such as multi-policy discounts or safe driving discounts.
  • Maintain a good driving record, as a clean record can often lead to lower insurance rates.
  • Look into usage-based insurance programs that offer discounts based on your driving habits.

Does the age of the vehicle affect insurance rates?

Yes, the age of a vehicle can affect insurance rates. Generally, older vehicles like a 1991 Honda Accord tend to have lower insurance rates compared to newer cars. This is because older vehicles have a lower market value, which means lower repair or replacement costs for the insurance provider in case of an accident.

Are there any specific coverage options I should consider for a 1991 Honda Accord?

The coverage options you should consider for a 1991 Honda Accord are similar to those for any other vehicle. These typically include liability coverage, which is required in most states, and optional coverages like collision and comprehensive insurance. Collision coverage helps pay for damages resulting from a collision, while comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters.

Are there any insurance providers that specialize in classic or older vehicles?

Yes, some insurance providers specialize in classic or older vehicles. These companies often understand the unique needs of classic car owners and offer specialized coverage options. It’s recommended to research and contact insurance providers that specifically cater to classic or vintage vehicles to get the best coverage and rates for your 1991 Honda Accord.

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