Cheaper 2013 Honda Accord Car Insurance Rates

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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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Finding better rates for insurance coverage is always nearly impossible for people who are new to comparing rates online. People have so many choices that it can easily become a lot of work to find the best price.

You should take the time to check insurance coverage prices before your policy renews because rates trend upward over time. Just because you found the lowest price for Accord insurance a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the tricks you need to know to save on insurance coverage.

Cheap Auto Insurance Comparisons

All major auto insurance companies such as State Farm, Allstate and GEICO give coverage price quotes directly from their websites. Obtaining pricing is fairly straightforward as you just type in your required coverages as detailed in the form. When the form is submitted, the company’s rating system obtains your driving and credit reports and gives you a price quote determined by many factors.

Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to perform this step if you want to find lower prices.

Quote rates the easy way

The smarter way to compare auto insurance pricing utilizes a single form to obtain quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process only takes a few minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it’s recommended you copy your coverages identical to your current policy. This guarantees you will receive an apples-to-apples comparison for exact coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Some trigger automatically when you purchase, but less common discounts must be requested specifically in order for you to get them.

  • No Accidents – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Club Memberships – Being a member of a professional or civic organization could trigger savings on your policy for Accord insurance.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Accord insurance than drivers with accident claims.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Accord insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.

As a disclaimer on discounts, most discount credits are not given the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce your overall premium however.

To see a list of insurers with the best car insurance discounts, click here.

Free Auto Insurance Comparison

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Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • What are the financial responsibility laws in my state?
  • What exactly is covered by my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I waive the damage coverage when renting a car?
  • Are rock chip repairs covered?
  • Can I make deliveries for my home business?
  • Can my babysitter drive my car?
  • Where can I find DUI or SR-22 insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Parts of your insurance policy

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Collision coverage

This coverage pays for damage to your Accord resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, dental work and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Use our FREE quote tool to compare rates now!

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