Save on 2012 Honda Accord Insurance Rates
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UPDATED: Nov 24, 2021
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Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you. Many auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the cheapest price
You should make it a habit to do rate comparisons on a regular basis because prices tend to go up over time. Just because you had the best price on Accord insurance on your last policy you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the proper way to buy cheaper car insurance.
If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers only need to know the proper way to compare prices online.
How to Compare Insurance Quotes
There are a variety of methods to compare 2012 Honda Accord insurance prices but some are less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.
Many companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.
To get comparison pricing now click here to start a free quote.
The only drawback to doing it this way is that you can’t choose which providers to receive prices from. So if you prefer to choose from a list of companies to compare rates, we have a page of insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, make absolute certain that you use identical coverages for each price quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate.
Pay less by taking advantage of discounts
Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some must be requested specifically before you will receive the discount. If you don’t get every credit you qualify for, you are throwing money away.
- College Student – Any of your kids who are attending college and do not have a car can receive lower rates.
- Organization Discounts – Being a member of a civic or occupational organization may earn a discount on your policy on Accord insurance.
- Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
- New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
- Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.
Car insurance companies who might offer these benefits include:
- Farmers Insurance
- Farm Bureau
- State Farm
- Liberty Mutual
Double check with all companies you are considering how you can save money. Savings may not apply in your area.
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Your coverage should be tailored to you
When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover if you would benefit from an agent’s advice.
- Am I covered when driving someone else’s vehicle?
- How high should my medical payments coverage be?
- Am I covered if hit by an uninsured driver?
- What is PIP insurance?
- Do I need special endorsements for business use of my vehicle?
- Is a blown tire covered by insurance?
- How high should deductibles be on a 2012 Honda Accord?
- How can I force my company to pay a claim?
- Does car insurance cover theft of personal property?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Parts of your insurance policy
Learning about specific coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Accord.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Coverage for liability – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as bail bonds, funeral expenses, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as theft, rock chips in glass, vandalism, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, nursing services, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Smart shoppers get results
Cheaper 2012 Honda Accord insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.
When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.
Other learning opportunities
- Teen Driving and Texting (State Farm)
- Vehicle Insurance in the U.S. (Wikipedia)
- What is a Telematics Device? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)
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