Save on 1997 Honda Accord Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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No one in their right mind enjoys paying for insurance coverage, particularly when their premiums are through the roof. There are many car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to adequately compare rates.

Finding affordable coverage is not rocket science. If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and possibly find even better coverage. Vehicle owners just need to learn the best way to shop online.

How to Compare Insurance Coverage

Finding a better price on insurance coverage can be surprisingly simple. The only thing you need to do is take a few minutes to get quotes provided by online insurance companies. This can be done in a couple of different ways.

The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing repetitive form entry to each individual insurance coverage company. One quote request compares rates from multiple companies.

A slightly less efficient method to analyze rates consists of going to each company’s website and fill out their own quote form. For example, let’s assume you want rates from Allstate, Liberty Mutual and GEICO. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The least recommended way to get comparison rates is to drive around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. However, consumers can obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.

Whichever way you use, compare exactly the same coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles you will not be able to make a fair comparison for your Honda Accord.

Do you qualify for a discount?

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find insurance savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Accord insurance.
  • Low Mileage – Keeping the miles down on your Honda can qualify you for better rates on cars that stay parked.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • College Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Car insurance companies that may offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in every state.

What coverages do I need?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine if you might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Exactly who is provided coverage by my policy?
  • What are the best liability limits?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does liability extend to a camper or trailer?
  • Am I covered if I wreck a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

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These factors can influence what you pay for Honda Accord insurance

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • Traffic violations increase rates – Even one citation can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Where you live can impact rates – Living in small towns and rural areas has it’s advantages when buying car insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Accord may be wasting your money.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if you are found liable for damages caused by your negligence. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Keep rates low by being claim-free – If you file claims often, you can pretty much guarantee higher rates. Car insurance companies provide cheaper rates to policyholders who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Discounts for married couples – Getting married can actually save you money on your policy. Marriage is viewed as being more responsible and it’s statistically proven that married couples file fewer claims.

Information about specific coverages

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Collision – Collision coverage pays for damage to your Accord resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Auto liability insurance – This will cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, court costs and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1997 Honda Accord.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses like rehabilitation expenses, X-ray expenses, chiropractic care, hospital visits and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, theft, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In Summary

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced 1997 Honda Accord insurance can be purchased on the web as well as from independent agents, so compare prices from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

For more information, take a look at these articles:

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