2010 Honda Accord Insurance Rates
Average insurance rates for a 2010 Honda Accord are $1,098 a year with full coverage. Comprehensive insurance costs on average $190 a year, collision costs $320, and liability costs $436. Buying a liability-only policy costs as little as $486 a year, with high-risk insurance costing $2,378 or more. Teen drivers receive the highest rates at $4,316 a year or more.
Annual premium for full coverage: $1,098
Rate estimates for 2010 Honda Accord Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 Honda Accord models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $486 for basic liability insurance to a high of $2,378 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of making a decision based on price averages.
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Recommended Companies for Cheap 2010 Honda Accord Insurance
Trying to find the cheapest car insurance rates for your Honda Accord? Tired of being strong-armed to buy car insurance? Your situation is no different than most other car owners.
With so many insurance companies to choose from, it’s nearly impossible to locate the cheapest company.
Consumers need to take a look at other company’s rates every six months because insurance rates are variable and change quite frequently. Even if you think you had the best deal on Accord coverage a year ago other companies may now be cheaper. Don’t believe everything you read about car insurance online, so I’m going to show you a lot of great tips on how to put money back in your pocket.
Buying car insurance is quite easy. In a nutshell, every driver who is shopping for insurance coverage will be able to find better rates. Nevertheless, drivers do need to understand how companies market on the web.
Recommended Companies for the Best Insurance Rates
Compare Auto Insurance Costs
Most companies such as Allstate, GEICO and Progressive give prices online. Getting online rates doesn’t take a lot of time as you just type in the amount of coverage you want as detailed in the form. When the form is submitted, their system gets your driving record and credit report and quotes a price. Online price quotes simplifies rate comparisons, but the time it takes to visit different websites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to get a better rate.
Compare rates the easy way
A less time-consuming method to find better auto insurance pricing uses one simple form that analyzes rates from more than one company. The form is fast, eliminates repetitive work, and makes online shopping a little more enjoyable. Immediately after submitting the form, your coverage is rated and you can choose any one of the resulting price quotes. If you find a better price you simply finish the application and purchase coverage. This process takes 15 minutes at the most and could lower your rates considerably.
If you want to compare pricing, click here and fill out the form. If you have coverage now, it’s recommended that you enter the limits and deductibles just like they are on your policy. Doing this assures you will receive a fair comparison using the same coverage and limits.
Tailor your coverage to you
When buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.
- What is the minimum liability in my state?
- Do I have coverage when using my vehicle for my home business?
- Am I covered if I break a side mirror?
- Does coverage extend to Mexico or Canada?
- Am I covered when pulling a rental trailer?
- Do I benefit by insuring my home with the same company?
- Does insurance cover tools stolen from my truck?
- When does my teenage driver need to be added to my policy?
- Exactly who is provided coverage by my policy?
- At what point should I drop full coverage?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Specifics of your insurance policy
Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.
Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, EMT expenses, nursing services, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Collision – This coverage covers damage to your Accord resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like colliding with a tree, hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Accord.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people. It does not 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 might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as funeral expenses, court costs, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed, damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,145|
|Los Angeles, CA||$1,848|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$73|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$44|
Discounts are estimated and may not be available from every company or in every state.