2004 Honda Accord Insurance Rates – 10 Tips for Cheaper Quotes

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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: Mar 19, 2020

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Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for affordable Honda Accord insurance. They can either spend hours calling around trying to get quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for a new or used Honda and locate the lowest price either online or from local insurance agents.

Consumers need to shop coverage around once or twice a year since rates go up and down regularly. Just because you found the lowest price on Accord coverage a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

These ten discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage on Accord coverage.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance coverage rates on Accord coverage.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Accord coverage than drivers with accidents.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies with discount insurance coverage rates, follow this link.

Comprehensive Car Insurance Comparison

There are multiple methods you can shop for 2004 Honda Accord car insurance but some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company can provide price quotes determined by their information. This eliminates the need for form submissions for every car insurance company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose which companies you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using identical coverage information on every quote you get. If you use different values for each quote then you won’t be able to determine the best price for your Honda Accord.

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Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • When do I need to add a new car to my policy?
  • Is rental equipment covered for theft or damage?
  • What is the difference between comprehensive and collision coverage?
  • Am I missing any policy discounts?
  • Why do I only qualify for high-risk insurance?
  • Where can I find high-risk insurance?
  • How does medical payments coverage work?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, fire damage and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Accord from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, backing into a parked car, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for bills like dental work, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Accord.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Compare but don’t skimp

Drivers change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, denial of a claim or even policy cancellation. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Affordable 2004 Honda Accord insurance can be sourced online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price.

Additional insurance coverage information can be found at the links below

Use our FREE quote tool to compare rates now!

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