Compare 2013 Honda Accord Car Insurance Rates

When shopping for cheaper insurance, are you frustrated by the number of car insurance choices? Lot’s of other drivers are too. There are so many choices available that it can quickly become a difficult challenge to locate the lowest rates.

Free insurance coverage price quotes

When shopping for inexpensive auto insurance quotes, there are a couple of ways of comparing price quotes from different companies. The recommended way to find affordable 2013 Honda Accord insurance rates is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate quote forms for every prospective company. Taking the time to complete one form gets coverage cost estimates from several companies. Just one form and you’re done.
2. A more difficult way to shop for insurance coverage online requires you to visit each company website and go through the quote process again. For example, we’ll pretend you want to see prices from Nationwide, Geico and GMAC. To do that, you would have to take the time to go to each site and type in your information over and over, which explains why we recommend starting with the first method.

   For a handy list of car insurance company links in your area, click here.

3. The least recommended way to get rate quotes is to waste gas driving to and from local insurance agencies. Comparing online rate quotes makes this unnecessary unless you require the guidance of an agent trained in personal lines coverage. Although, it is possible compare online quotes and get advice from an agent in your area.

The approach you take is up to you, just be certain you are entering exactly the same coverages and limits for every company. If your comparisons have different coverage information it will be very difficult to determine the best price for your Honda Accord. Quoting even small variations in coverages may result in a large different in cost. And when comparing insurance coverage rates, know that having more price comparisons will enable you to find a lower rate.

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Do you really save 40% when you switch?

State Farm, Allstate and Geico seem to constantly run ads in print and on television. All the ads have a common claim about how much you will save if you move your coverage to them. How is it plausible that every one can offer drivers better rates? It’s all in the words they use.

Different companies require specific criteria for the type of driver that will not have excessive claims. An example of a driver they prefer might be between the ages of 30 and 45, has a clean driving record, and drives a lower-performance vehicle. Any new insured who meets those qualifications will probably get the lowest prices and will also save if they switch.

Drivers who fall outside the ideal profile may be required to pay higher rates and this results in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone who quotes” save that much. That is how insurance companies can confidently state the savings. This really emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict the company that will give you the biggest savings.

Eight tips to get lower-cost insurance premiums

Many different elements are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other factors are more transparent such as your marital status and annual miles driven.Smart consumers have a good feel for some of the things that aid in calculating your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates.

Listed below are some of the most rate-impacting factors companies use to determine your premiums.

• Pay more of a claim out-of-pocket – Physical damage deductibles are how much you are required to pay in the event of a claim. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Some coverage claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more of the claim you have to pay, the bigger discount you will receive on Accord coverage.
• Cheaper rates after marriage – Getting married can get you a discount on insurance coverage. Having a significant other translates into being less irresponsible and statistics show drivers who are married are more cautious.
• Safer the car lower the rate – Cars with high safety ratings cost less to insure. These vehicles protect occupants better and better occupant protection means less claims paid and thus lower rates. If your Honda has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
• Liability coverage is important – Liability insurance is the protection if you are responsible for damages from an accident. Liability provides you with a defense in court which can cost a lot. It is affordable coverage compared to comp and collision, so do not skimp.
• Age of drivers – Teenage drivers are statistically shown to be careless and easily distracted when driving with friends so insurance coverage rates are higher. More experienced drivers are more responsible, cost insurance companies less in claims and are safer drivers.
• Insure car and home with the same company – Some insurance companies will give a discount to policyholders that buy multiple policies in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to compare rates to make sure you are getting the best deal.
• Your address can push rates up or down – Being located in smaller towns and rural areas of the country has it’s advantages when buying insurance coverage. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. Drivers who live in large cities have to deal with more aggressive driving styles and longer commutes to work. Spending more time driving means higher likelihood of an accident.
• Frequent insurance claims increase premiums – If you file a lot of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies give lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.

Lower rate quotes by earning discounts

Insurance is not inexpensive, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some must be requested specifically prior to getting the savings.

• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance rates in comparison to insureds who have frequent claims or accidents.
• Federal Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance on Accord coverage but check with your company.
• Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save a little on the medical payments or PIP coverage costs.
• Own a Home and Save – Owning a house can save you money since home ownership requires personal responsibility.
• Waiver for an Accident – Not a discount per se, but some insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies who might offer most of the discounts above include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you want cheap auto insurance quotes, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders everywhere. To locate companies with the best insurance discounts, click here.

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Your car insurance coverage should be tailored to you

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

• Am I covered when delivering products for my home-based business?
• Is my babysitter covered when using my vehicle?
• Is my Honda Accord covered if I use it for business?
• Does my policy cover my teen driver if they drive my company car?
• How much underlying liability do I need for an umbrella policy?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 2013 Honda Accord

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance pays for damage to your Accord resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, fire damage and vandalism. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as court costs, emergency aid, pain and suffering, medical services and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as 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 important protection for you and your family.

Get your money’s worth

There are still a few companies who do not provide the ability to get a quote online and these regional carriers only sell coverage through independent agents. More affordable auto insurance can be sourced from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection.

We covered a lot of tips how to get a better price on 2013 Honda Accord insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a lesser-known regional company.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

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

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Who Has Cheap New Orleans Auto Insurance for a Honda Accord? (NewOrleansInsure.com)
• Collision Coverage (Liberty Mutual)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)

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