Honda Honda Accord Insurance Rates
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UPDATED: Mar 19, 2020
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Looking for better insurance rates for your Honda Accord? Shopping for the cheapest insurance on the internet is problematic for consumers not familiar with buying insurance on the web. With a ridiculous number of companies in the marketplace, how can consumers possibly compare every company to locate the best price?
It’s a great practice to price shop coverage yearly because prices change quite often. Just because you found the best rates for Accord insurance a couple years back you will most likely find a better rate today. You can find a lot of wrong information about insurance online but we’re going to give you some solid techniques on how to reduce your insurance bill.
Where Can I Get Cheap Auto Insurance?
Comparing auto insurance rates can take hours if you don’t know the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.
Most major companies participate in a marketplace where insurance shoppers complete one form, and each company returns a rated price based on that data. This prevents consumers from doing quotation requests to each individual auto insurance company. To use this form to compare 1993 Honda Accord insurance rates click here to start a free quote.
The only drawback to doing it this way is you can’t choose which companies to get quotes from. If you would rather choose from a list of companies to compare, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just make absolute certain that you use identical information with every price quote. If you compare different deductibles it’s impossible to determine the best price for your Honda Accord. Just a small difference in limits can make a big difference in price. It’s important to know that quoting more helps locate a better price.
Cut your auto insurance rates with these eight discounts
Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for in order for you to get them.
- Driver’s Ed – Have your child take driver’s ed class in school.
- E-sign – Some insurance companies may give you up to $50 just for signing your application digitally online.
- Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Accord insurance than drivers with accident claims.
- Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.
- Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
- Federal Employees – Simply working for the federal government could cut as much as 10% off for Accord insurance with select insurance companies.
- Multi-policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will cut the amount you have to pay.
For a list of insurance companies who offer auto insurance discounts, click this link.
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You are unique and your insurance coverage should be too
When it comes to choosing the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that might point out if your situation might need professional guidance.
- Is my ex-spouse still covered by my policy?
- Does my 1993 Honda Accord qualify for pleasure use?
- How can I get high-risk coverage after a DUI?
- Is extra glass coverage worth it?
- Do I need special endorsements for business use of my vehicle?
- How do I buy GAP insurance?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
Coverages available on your policy
Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle and fire damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Accord.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as rehabilitation expenses, doctor visits and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability – Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as attorney fees, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.
Collision coverage – Collision coverage will pay to fix damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
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