2011 Honda Accord Car Insurance Quotes – 6 Policy Discounts

Want cheaper insurance coverage rates for your Honda Accord? No one in their right mind fancies paying their premiums for insurance coverage, in particular when they could find better rates elsewhere. Numerous car insurance companies battle for your insurance dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

Reduce your auto insurance rates with these six discounts

Car insurance can cost a lot, but you might already qualify for some discounts that you may not even be aware of. Most are applied when you complete an application, but some discounts are required to be asked for before you get the savings.

• Onboard Data Collection – Insureds who allow driving data submission to study where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Theft Prevention System – Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
• Accident Forgiveness – Not really a discount, but a few companies such as Geico, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if you have no claims for a set time period.
• Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% for Accord coverage with certain companies.
• Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.

As a disclaimer on discounts, many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

To see insurers offering auto insurance discounts, click here.

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Buy auto insurance online

Most companies like State Farm, Geico and Progressive allow consumers to get prices directly from their websites. Obtaining pricing is pretty painless as all you need to do is type in as detailed in the form. After the form is submitted, their quoting system obtains your driving record and credit report and generates pricing information based on these factors. Online price estimates makes it simple to compare prices but the process of having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s also necessary to perform this step if you want to get the best price on auto insurance.

The better way to compare rates

The easiest way to locate the lowest prices uses one form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much easier. After sending the form, it is quoted with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and can result in significant savings.

To quickly find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate the insurance coverages exactly as shown on your declarations page. This ensures you will get an apples-to-apples comparison using the same coverage and limits.

You are unique and your insurance should be too

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might point out whether you would benefit from professional advice.

• When should my teen driver be added to my policy?
• Are my friends covered when driving my car?
• Are rock chip repairs covered?
• I have a DUI can I still get coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• If my 2011 Honda Accord is totaled, can I afford another vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Collision – Collision insurance will pay to fix damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, crashing into a ditch, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, rehabilitation expenses, prosthetic devices, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability coverages – Liability insurance can cover damage that occurs to people or other property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, funeral expenses, medical services, emergency aid and attorney fees. How much coverage you buy is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2011 Honda Accord.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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Be a money saver!

We just showed you a lot of information how to compare 2011 Honda Accord insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheap car insurance. Consumers may even find the biggest savings come from a small mutual company. Smaller companies can often provide lower premium rates in certain areas than the large multi-state companies such as Geico and State Farm.

When getting car insurance quotes online, never reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Helpful information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Coverage (Liberty Mutual)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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