2009 Honda Accord Insurance Rates – 8 Savings Tips

Trying to find cheaper insurance for your Honda Accord can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to find insurance online and you need to know the quickest way to quote coverages for your Honda and find the lowest price either online or from local insurance agents.

It’s a good habit to get comparison quotes as often as possible because prices are usually higher with each renewal. If you had the lowest price on Accord coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Shopping for affordable coverage is simple if you know the tricks. Consumers just need to learn the most effective way to find the lowest price online.

Do you qualify for discount car insurance?

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Some trigger automatically at the time of purchase, but some discounts are required to be inquired about in order for you to get them. If you don’t get every credit you deserve, you may be paying too high a price.

• Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Accord coverage than less cautious drivers.
• Bundle and Save – If you can bundle your homeowners and auto insurance with the same company you could get a discount of at least 10 to 15 percent or more.
• Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Accord coverage.
• Military Discounts – Being deployed with a military unit could trigger a small discount.
• Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
• Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
• Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.

Please keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you could get a free car insurance policy, that’s just not realistic.

Auto insurance companies that may have these money-saving discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before purchasing a policy, check with all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your area.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation would benefit from professional advice.

• Does coverage extend to a rental car in a foreign country?
• Should I get collision insurance on every vehicle?
• Am I covered if I wreck a rental car?
• How much liability do I need to cover my assets?
• Is my custom paint covered by insurance?
• Why is insurance for a teen driver so high?
• How high should deductibles be on a 2009 Honda Accord?
• Can I still get insurance after a DUI?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Accord.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage provides protection from damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like court costs, structural damage and loss of income. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, surgery, doctor visits and hospital visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your Accord resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hail damage, vandalism and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

Cheaper auto insurance can be purchased online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online rate quotes and usually these small insurance companies sell through independent insurance agencies.

People who switch companies do it for a number of reasons such as lack of trust in their agent, not issuing a premium refund, being labeled a high risk driver or even poor customer service. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

We just covered many ideas to reduce 2009 Honda Accord insurance car insurance rates online. The key concept to understand is the more providers you compare, the better likelihood of getting affordable insurance coverage. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

Other learning opportunities

• Determing Auto Insurance Rates (Geico)
• Who Has Cheap New Orleans Auto Insurance for a Honda Accord? (NewOrleansInsure.com)
• Who Has the Cheapest Las Vegas Auto Insurance for a Honda Accord? (LasVegasInsure.com)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)