Lower Your 1997 Honda Accord Car Insurance Quotes

Are you tired of not being able to scrape enough together to pay insurance coverage each month? You have the same problem as most other people.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to get the lowest price

Save a ton with these insurance discounts

Companies offering auto insurance do not list every policy discount very clearly, so below is a list both well-publicized as well as the least known insurance savings.

• Military Rewards – Having a family member in the military may lower your rates slightly.
• More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles with the same company qualifies for this discount.
• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Paperless Signup – A handful of larger companies will provide an incentive for completing your application on their website.
• Own a Home – Just being a homeowner may trigger a policy discount on insurance since home ownership requires a higher level of personal finance.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.

Don’t be shocked that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, that’s just not realistic.

Larger insurance companies and a partial list of their discounts are included below.

• State Farm policyholders can earn discounts including good driver, anti-theft, Drive Safe & Save, passive restraint, and safe vehicle.
• Liberty Mutual may have discounts that include hybrid vehicle, safety features, newly married, teen driver discount, and multi-policy.
• American Family has savings for TimeAway discount, air bags, bundled insurance, defensive driver, good driver, early bird, and good student.
• Progressive discounts include online quote discount, multi-vehicle, continuous coverage, multi-policy, and homeowner.
• Farmers Insurance offers premium reductions for teen driver, early shopping, homeowner, switch companies, business and professional, and mature driver.
• Auto-Owners Insurance includes discounts for multi-policy, anti-theft, air bags, safe vehicle, mature driver, and paid in full.
• SAFECO offers discounts including multi-car, drive less, anti-theft, anti-lock brakes, safe driver, and bundle discounts.

Double check with all companies you are considering which discounts can lower your rates. Savings may not apply to policies in every state. If you would like to choose from a list of insurance companies who offer online insurance quotes, click this link.

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Five factors that affect insurance prices

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that aid in calculating the price you pay for insurance coverage. When you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

The list below includes some of the most rate-impacting factors companies use to determine your rate level.

• High premiums for youthful drivers – Older people are more responsible, file fewer claims and tend to be get fewer driving tickets.Teenage drivers have been known to be more careless when behind the wheel so insurance coverage rates are higher.
• Drive lots and pay more – The more you drive your Honda in a year the more you will pay for insurance coverage. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. Make sure your declarations sheet properly reflects the correct usage. A policy that improperly rates your Accord can cost quite a bit.
• City dwellers may pay more – Having an address in smaller towns and rural areas of the country can save you money when insuring your vehicles. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities tend to have much more traffic and more severe claims. More time commuting means a statistically higher chance of an accident.
• Combine policies and save – Most major insurance companies apply lower prices to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to get quotes from other companies to help guarantee you have the best rates.
• Does your employer cost you more? – Careers such as military personnel, architects and financial analysts tend to pay higher average rates due to job stress and long work days. On the flip side, jobs such as professors, historians and performers pay lower than average rates for Accord insurance.

Insurance can get complicated

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you might need professional guidance.

• Are there companies who specialize in insuring high-risk drivers?
• Is a blown tire covered by insurance?
• Should I buy full coverage?
• Is my ex-spouse still covered by my policy?
• Is pleasure use cheaper than using my 1997 Honda Accord to commute?
• Do I need roadside assistance coverage?
• Who is covered when they drive my 1997 Honda Accord?
• Why do I only qualify for high-risk insurance?
• Do I need replacement cost coverage on my 1997 Honda Accord?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Do drivers who switch really save?

Auto insurance companies such as State Farm, Allstate and Geico endlessly run ads on television and other media. All the ads tend to make the same promise that people will save if you just switch your coverage to them. How does every company charge less that you’re paying now?

Different companies have underwriting criteria for the type of driver that is profitable for them. For example, this type of insured may need to be between the ages of 30 and 45, has never had a claim, and has a short commute. Any customer who meets those qualifications will get the preferred car insurance rates and will most likely save a lot of money.

Potential customers who do not match the “perfect” profile may be required to pay higher rates with the end result being the customer not purchasing. The wording the ads use say “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can make it sound like they have such great premium rates.

Because every company is different, drivers must get auto insurance quotes from several different companies. It’s just not possible to know with any certainty which company will be your best fit.

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What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, 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. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This pays for 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 coverage pays for things like hitting a deer, damage from flooding, fire damage and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for X-ray expenses, pain medications, nursing services, funeral costs and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance covers damage to your Accord from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

Liability insurance will cover injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Final thoughts

Throughout this article, we presented many ways to reduce 1997 Honda Accord insurance premium rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from a small mutual company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Progressive and Geico.

Cost effective 1997 Honda Accord insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. A few companies don’t offer rates over the internet and usually these small, regional companies prefer to sell through local independent agencies.

To read more, take a look at the following helpful articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)

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