1992 Honda Accord Car Insurance Rates

Trying to find better car insurance rates for your Honda Accord? Purchasing lower priced car insurance on the web can seem to be somewhat intimidating for consumers who are new to comparing and buying car insurance on the web. With more and more insurance companies available, how are we expected to possibly compare the different rates to find cheaper car insurance rates?

It is always a good idea to get comparison quotes at least once a year because car insurance rates are adjusted regularly by insurance companies. Just because you found the best rate for Accord insurance last year there may be better deals available now. There are a lot of ways to save on car insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to slash your car insurance rates.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. The purpose of this article is to help educate you on how car insurance quotes work and some tricks to saving. Nevertheless, drivers can benefit by having an understanding of how companies sell online because it can help you find the best coverage.

Insurance Discounts

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can drop the cost substantially. Some discounts will apply at the time of purchase, but some need to be requested specifically prior to getting the savings.

• Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Senior Discount – Drivers over the age of 55 may receive a small decrease in premiums for Accord insurance.
• Distant College Student Discount – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
• Passive Restraints – Options like air bags can receive discounts as much as 30%.
• Cautious Driver Discounts – Safe drivers can pay as much as 50% less for Accord insurance than drivers with accident claims.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Large insurance companies and some of the discounts can be read below.

• American Family discounts include mySafetyValet, good driver, accident-free, defensive driver, TimeAway discount, and air bags.
• State Farm may have discounts that include driver’s education, passive restraint, good student, defensive driving training, and good driver.
• 21st Century offers discounts including driver training, 55 and older, air bags, anti-lock brakes, homeowners, good student, and early bird.
• Travelers may offer discounts for driver training, save driver, IntelliDrive, good student, home ownership, and multi-car.
• Geico offers discounts for defensive driver, anti-lock brakes, five-year accident-free, multi-policy, and good student.

Before purchasing a policy, check with each company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

• Why is insurance for a teen driver so high?
• Why am I be forced to buy a membership to get insurance from some companies?
• If my 1992 Honda Accord is totaled, can I afford another vehicle?
• How can I force my company to pay a claim?
• Is my camper covered by my car insurance policy?
• Is a fancy paint job covered?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Learn about insurance coverages for a Honda Accord

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, nursing services, rehabilitation expenses and dental work. They 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 in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover 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. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like pain and suffering, court costs and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Accord caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, falling objects, hitting a deer, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Power to the consumer

Affordable 1992 Honda Accord insurance is definitely available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers may not offer online quoting and these regional insurance providers work with independent agents.

When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Drivers leave their current company for many reasons like questionable increases in premium, high rates after DUI convictions, policy non-renewal or even unfair underwriting practices. Regardless of your reason, choosing a new company is actually quite simple.

Helpful articles

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Who Has the Cheapest Auto Insurance for a Honda Accord in Santa Ana? (SantaAnaCoverage.com)
• Who Has Cheap Arlington Auto Insurance for a Honda Accord? (ArlingtonCoverage.com)
• Winter Driving (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)