How Much Does 1999 Honda Accord Insurance Cost?

Searching for better insurance prices for your Honda Accord can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the absolute fastest way to get price quotes for a Honda and find the cheapest rates.

Get affordable car insurance with discounts

Companies that sell car insurance don’t necessarily list every policy discount in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden credits that you can use to lower your rates.

• Organization Discounts – Having an affiliation with a civic or occupational organization may earn a discount on your policy.
• Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Accord coverage as compared to drivers with claims.
• No Claim Discounts – Insureds who avoid accidents and claims pay less as compared to insureds who have frequent claims or accidents.
• Switch and Save Discount – Some insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
• Senior Discount – Drivers over the age of 55 can possibly qualify for a slight reduction on a car insurance quote for Accord coverage.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your car insurance quote.

As is typical with insurance, some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

Some companies that possibly offer these discounts possibly include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

If you want inexpensive car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state. If you would like to see a list of companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every situation is different.

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

• Do I need roadside assistance coverage?
• How do I file an SR-22 for a DUI in my state?
• I have health insurance so do I need medical payments coverage?
• Should I waive the damage coverage when renting a car?
• Is there coverage for injuries to my pets?
• How many claims can I have before being cancelled?
• Am I covered if hit by an uninsured driver?
• Who is covered when they drive my 1999 Honda Accord?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer, hitting a bird, vandalism and hail damage. The most you’ll receive from a claim is the ACV or 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 (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, hospital visits, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree, backing into a parked car, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical services, emergency aid, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Better coverage you can count on

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best price while still protecting your assets.

People who switch companies do it for a variety of reasons including high prices, lack of trust in their agent, being labeled a high risk driver or even denial of a claim. No matter why you want to switch, finding a new auto insurance company is easier than you think.

You just read some good ideas how to save on 1999 Honda Accord insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

For more information, take a look at these articles:

• Rental Reimbursement Coverage (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)