1991 Honda Accord Insurance Quotes

Trying to come up with a payment for expensive insurance can draw down your bank account and force you to prioritize other expenses. Performing a rate comparison can be a smart way to ensure you are getting the best deal.

Many insurance companies vie for your business, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

Smart consumers take time to get comparison quotes occasionally since insurance prices are constantly changing. Just because you found the lowest quotes for Accord insurance last year you will most likely find a better rate today. Block out anything you think you know about insurance because we’re going to show you how to use the internet to save on insurance.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to understand the proper methods to get comparison rates over the internet.

How to compare insurance coverage rate quotes

Comparing insurance coverage rates can take hours if you aren’t aware of the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This eliminates the need for quotation requests to every company.

To find out how much you can save on insurance coverage click to open in new window.

The one disadvantage to using this type of form is that consumers can’t choose the companies you want to price. If you would rather choose from a list of companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare the exact same coverage data with each company. If each company quotes differing limits you will not be able to truly determine the lowest rate.

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Do drivers who switch really save $437 a year?

Consumers get pounded daily by advertisements for insurance coverage savings from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise about how much you will save if you move your insurance coverage policy to them.

How is it possible that every company can make almost identical claims? This is how they do it.

Insurance coverage companies have specific characteristics for the type of driver that is profitable for them. A good example of this type of insured should be between the ages of 40 and 55, has a low-risk occupation, and drives a lower-performance vehicle. Any person that meets those criteria will probably get cheap prices and have a good chance to save when switching.

Potential customers who are not a match for this stringent profile will probably have to pay higher premiums with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” not “all people who quote” save the amount stated. That’s why insurance companies can make it sound like they have such great prices.

Because of these techniques, drivers should get price quotes at each policy renewal. It is impossible to guess which company will have the lowest rates.

Choices you make can impact your insurance premiums

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that could result in lower rates.

The following are a few of the things used by insurance companies to determine your rates.

• Safety first – Safer cars can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies and thus lower rates.
• Older drivers are lower risk – Drivers with little experience tend to be inattentive and easily distracted when driving so they pay higher insurance rates. Older, more experienced drivers are shown to be more cautious, cause fewer claims and accidents , and are generally more financially stable.
• Drive less and get lower costs – The more miles you rack up on your Honda annually the higher your rates will be. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. An incorrectly rated Accord can cost quite a bit. Verify your insurance policy correctly shows the correct driver usage, because improper ratings can cost you money.
• Does your vocation cost you more? – Did you know that where you work can have an impact on rates? Occupational choices like doctorspolice officers and emergency personnel are shown to have higher premiums than the average policyholder in part from stressful work requirements and long work days. Conversely, jobs like scientists, historians and the unemployed receive lower rates for Accord insurance.
• Consolidate home and auto and save – Most major insurance companies give lower prices to people that have more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to check prices from other companies to ensure the best deal. Drivers may still save more without the discount even if you insure with multiple companies
• Single drivers may have higher rates – Having a wife or husband may earn you lower rates on your insurance bill. Having a spouse demonstrates that you tend to be more financially stable and statistics prove married drivers tend to file fewer claims.
• More traffic equals higher costs – Residing in a small town has definite advantages when shopping for auto insurance. People who live in big cities have to deal with more road rage incidents and much longer commute distances. Less people means reduced accidents in addition to fewer liability claims.

Don’t miss these premium-slashing discounts

Some insurers don’t always advertise all disounts in a way that’s easy to find, so below is a list some of the more common and the harder-to-find credits that may apply to you.

• Federal Employees – Active or retired federal employment could qualify for a slight premium decrease for Accord insurance but check with your company.
• Mature Driver Discount – Drivers that qualify as senior citizens could receive a small discount on rates for Accord insurance.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your insurance quote.
• Life Insurance Discount – Select auto insurance companies reward you with a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.
• Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less for Accord insurance compared to rates paid by drivers with frequent claims.
• Paperless Signup – Some companies give back up to $50 for buying your policy over the internet.
• Driver Safety – Successfully completing a defensive driver course is a good idea and can lower rates depending on where you live.
• Distant College Student Discount – Older children who are attending college and won’t have access to an insured vehicle can receive lower rates.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Auto insurance companies that possibly offer some of the above discounts include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

Check with all the companies which discounts you may be entitled to. All car insurance discounts might not be available to policyholders everywhere. To see providers with discount auto insurance rates, click here to view.

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Do I need special coverages?

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if your insurance needs would benefit from professional advice.

• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I drive in a foreign country?
• Should I get collision insurance on every vehicle?
• Should I buy additional glass protection?
• Will my rates increase for filing one claim?
• Do I need higher collision deductibles?
• Am I covered when driving a rental car?
• What are the best liability limits?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Liability car insurance

This can cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different 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 stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Honda Accord.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, ambulance fees, nursing services, chiropractic care and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, vandalism, hitting a bird, fire damage and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

In this article, we presented some good ideas how to get a better price on 1991 Honda Accord insurance. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest insurance. You may even discover the lowest priced car insurance comes from a small mutual company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. There are many occasions where an accident victim reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

For more information, feel free to visit the following helpful articles:

• Auto Crash Statistics (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Child Safety FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Rental Car Insurance Tips (Insurance Information Insitute)

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