Honda Honda Accord Insurance Rates
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UPDATED: May 11, 2022
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Paying for pricey Honda Accord insurance can dry up your savings and force you to make sacrifices. Doing a rate comparison is a fast and free way to make ends meet.
You have multiple auto insurance companies to choose from, and though it is a good thing to have various choices, having too many to choose from makes it harder to find a good deal. When you’re on the hunt for cheap car insurance, there are some tricks you can use to find the lowest and most affordable rate.
What determines the price of your auto insurance?
Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that can earn you better insurance rates. Many things are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but others are less obvious such as your credit history or how financially stable you are.
- Cut prices and deter theft – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft.
- How do annual miles impact rates? – The more you drive your Honda every year the higher the price you pay to insure it. Most insurance companies calculate prices based upon how you use the vehicle. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Accord may be costing you higher rates. It’s a smart idea to ensure your insurance policy correctly shows annual mileage.
- Improve your credit rating – A driver’s credit history factor in calculating your premium rate. Therefore, if your credit history is lower than you’d like, you could be paying less to insure your 2017 Honda Accord by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit scores.
- Do you really need the add-on coverages? – There are a lot of add-on coverages that you can get tricked into buying when buying insurance. Insurance for things like rental car coverage, accident forgiveness, and extra equipment coverage may be wasting your money. These may sound like a good investment initially, but if you don’t need them remove them from your policy.
The quickest method to compare insurance rates in your area is to know most of the bigger providers will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including whether or not you need a SR-22, types of safety features, marital status, and whether your vehicle is owned or leased. Your insurance information is then submitted to multiple top-rated companies and you should receive rate quotes almost instantly.
To compare rates for your 2017 Honda Accord now, click here and find out if lower rates are available.
Why You Should Ask About Discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not know about. Some discounts apply automatically when you get a quote, but some must be inquired about before being credited.
- Distant Student Discount – Older children living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.
- Good Student Discount – This discount may save you up to 25%. Most companies allow this discount well after school through age 25.
- Professional Organizations – Being in certain professional organizations could earn you a nice discount on your next auto insurance statement.
- Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on one policy can get a discount on all vehicles.
- Onboard Data Collection – Policyholders that allow driving data submission to look at their driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
Discounts lower rates, but most discounts do not apply the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will definitely reduce the amount you have to pay.
A few of the larger companies and some of their more popular discounts are:
- American Family policyholders can earn discounts including early bird, air bags, TimeAway discount, accident-free, and Steer into Savings.
- Farm Bureau has discounts for good student, driver training, 55 and retired, renewal discount, multi-policy, and multi-vehicle.
- State Farm discounts include good driver, accident-free, Drive Safe & Save, student away at school, multiple autos, and passive restraint.
- Travelers may have discounts that include payment discounts, good student, student away at school, multi-car, and driver training.
- The Hartford has savings for anti-theft, driver training, defensive driver, vehicle fuel type, bundle, and airbag.
- GEICO may offer discounts for multi-policy, driver training, good student, seat belt use, five-year accident-free, and military active duty.
- Progressive offers discounts for online quote discount, multi-vehicle, multi-policy, continuous coverage, online signing, and good student.
If you are trying to find cheap insurance coverage quotes, ask each company or agent how many discounts you can get. All car insurance discounts might not be offered on policies in your area. To view insurance companies that offer many of these discounts, click here to view.
Can an insurance agent help?
When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that. For example, these questions may help you determine whether or not you will benefit from professional help.
- Will I be non-renewed for getting a DUI or other conviction?
- Do I need roadside assistance coverage?
- Is my ex-spouse still covered by my policy?
- Am I covered if hit by an uninsured driver?
- Do I need replacement cost coverage?
- How much underlying liability do I need for an umbrella policy?
- Is my trailer covered?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t want to contact a local agent, enter your ZIP code into our free comparison tool, and let us help you out.
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Different Coverage Types That You May Want
Understanding the coverages of an insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.
This coverage protects you from damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage protects against claims such as structural damage, bail bonds, repair costs for stationary objects, medical services and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive (Other than Collision)
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from getting keyed, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured motorist or underinsured motorist coverage gives you protection from other drivers 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 damage to your Honda Accord.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical Expense Insurance
Med pay and PIP coverage reimburse you for expenses for X-ray expenses, surgery and pain medications. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Auto Collision Coverage
Collision coverage will pay to fix damage to your Accord resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as driving through your garage door, sustaining damage from a pothole, crashing into a building, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.
Saving Money on Your 2017 Honda Accord Insurance Cost: Summary
We just covered a lot of information on how to lower your 2017 Honda Accord insurance prices. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest prices are with an unexpected company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.
As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
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