1990 Honda Accord Car Insurance Quotes – 8 Tips to Save

Vehicle owners who just recently started shopping for insurance online will discover buying cheaper auto insurance is more work than they anticipated.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Pricing the lowest cost coverage is quite easy. Although consumers must comprehend how the larger insurance companies market on the web and take advantage of how the system works.

Find discounts on car insurance

Companies that sell car insurance don’t always publicize all their discounts very clearly, so we break down some of the best known and also the lesser-known credits that you can use to lower your rates.

• Waiver for an Accident – Not really a discount, but some companies like Allstate and Progressive will let one accident slide before raising your premiums if your claims history is clear for a certain period of time.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
• Bundled Policy Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
• Multi-car Discount – Drivers who insure multiple vehicles with one company qualifies for this discount.
• Senior Citizens – Seniors could receive reduced rates on Accord coverage.
• Safety Course Discount – Taking part in a class that teaches defensive driver techniques could save 5% or more and also improve your driving technique.
• Drive Less and Save – Fewer annual miles on your Honda may enable drivers to earn lower premium rates on the low mileage vehicles.
• Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Accord coverage depending on your company.

Don’t be shocked that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut the cost of coverage.

Companies that may offer policyholders many of the previously listed discounts include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

It’s a good idea to ask each insurance company which credits you are entitled to. Some credits might not be available to policyholders in every state.

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How to compare insurance coverage quotes

To find cheap rates, there are a couple of ways to compare prices from many available insurance coverage companies in your state. The simplest method to find competitive Honda Accord insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

Experts agree that the best way to get quotes is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quotation requests to each individual insurance coverage company. One quote request will get you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A less efficient way to analyze rates requires you to visit the website of each company and fill out a new quote form. For instance, we’ll pretend you want to compare rates from Progressive, Liberty Mutual and American Family. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but try to use apples-to-apples information with every price quote. If you are comparing different limits and deductibles on each one it will be nearly impossible to find the best deal for your Honda Accord. Having just a slight variation in coverages may cause a big price difference. And when price shopping your coverage, comparing more quotes will improve the odds of getting the best offered rates.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine if your situation may require specific advice.

• Am I covered when driving in Canada or Mexico?
• Which is better, split liability limits or combined limits?
• Am I covered if my car is in a flood?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need an umbrella policy?
• Does insurance cover tools stolen from my truck?
• Does my insurance cover my expensive audio equipment?
• How high should deductibles be on a 1990 Honda Accord?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Coverage for collisions

This pays for damage to your Accord resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability

This coverage protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, prosthetic devices, funeral costs and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 can pay for things such as damage from getting keyed, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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Buy online or local, you save

Lower-priced insurance is possible both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these regional carriers prefer to sell through independent insurance agents.

We just covered a lot of ways to get a better price on 1990 Honda Accord insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company.

Drivers who switch companies do it for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, extreme rates for teen drivers and delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

More tips and info about insurance can be read in the articles below:

• Frontal Crash Tests (iihs.org)
• Teen Driving Statistics (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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