2014 Honda Accord Car Insurance Quotes

Looking for lower car insurance rates? Shoppers have a choice when shopping for low-cost Honda Accord insurance. They can either spend hours calling around to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to compare rates for a new or used Honda and find the lowest price either online or from local insurance agents.

It’s a great practice to do price comparisons before your policy renews because prices change frequently. Just because you found the lowest price for Accord coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the best way to eliminate unnecessary coverages and save money.

If you have a policy now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. This information will introduce you to the most effective way to quote insurance. Vehicle owners only need an understanding of the proper methods to compare rates over the internet.

Discounts for cheap insurance rates

Some insurance providers do not list all disounts very well, so the below list has both the well known and also the lesser-known insurance savings.

• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Accord coverage with a few insurance companies.
• Discount for Life Insurance – Larger insurance companies have a discount if you purchase life insurance.
• Discount for Home Ownership – Owning your own home or condo can save you money since home ownership is proof that your finances are in order.
• Multiple Vehicles – Buying coverage for multiple cars or trucks with one company can reduce rates for all insured vehicles.
• E-sign – Some insurance companies provide a small discount just for signing your application online.
• Good Student Discount – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
• Accident Forgiveness Coverage – This one isn’t a discount, but companies like Allstate, State Farm and Geico allow you one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
• Senior Citizen Discount – If you’re over the age of 55, you may receive reduced rates for Accord coverage.

While discounts sound great, it’s important to understand that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and a summarized list of policyholder discounts are outlined below.

• Progressive discounts include online quote discount, online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, and good student.
• Farmers Insurance has discounts for electronic funds transfer, youthful driver, switch companies, mature driver, good student, and bundle discounts.
• Farm Bureau may offer discounts for good student, safe driver, multi-policy, renewal discount, 55 and retired, and youthful driver.
• State Farm may include discounts for multiple autos, driver’s education, Drive Safe & Save, defensive driving training, and accident-free.
• Geico has savings for five-year accident-free, good student, emergency military deployment, anti-lock brakes, military active duty, and membership and employees.
• SAFECO offers discounts including safe driver, drive less, homeowner, multi-car, teen safety rewards, accident prevention training, and anti-lock brakes.
• Liberty Mutual includes discounts for preferred payment discount, newly married, new move discount, good student, safety features, and multi-car.

Before you buy a policy, ask each insurance company what discounts are available to you. Depending on the company, some discounts may not apply everywhere. To locate providers who offer free insurance quotes, follow this link.

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The cheapest insurance quotes

All major insurance companies give insurance quotes direct online. Getting online quotes is quite simple as you just type in the amount of coverage you want as requested by the quote form. After the form is submitted, the quote system collects your driving and credit reports and generates a price based on the data you entered.

Online quotes helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms is a big time waster. But it’s absolutely necessary to perform this step if you want to get the best price possible.

The smarter way to find lower prices uses one form to return rates from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending the form, it is quoted and you can select your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and can result in significant savings.

To compare rates now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate deductibles and limits just like they are on your policy. This helps ensure you will have a fair comparison for similar coverage.

Learn how to get auto insurance for less

Part of the auto insurance buying process is learning the rating factors that aid in calculating the rates you pay for auto insurance. If you know what influences your rates, this empowers consumers to make smart changes that can help you get lower rates.

• Insure your auto and home with one company – Most larger auto insurance companies give better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates.
• Teenage vs. older drivers – Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.Youthful drivers are statistically proven to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
• More mileage equals more premium – Driving a lot of miles annually the more you’ll pay to insure it. Most insurance companies rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. Double check that your policy is showing the correct usage. An improperly rated Accord is throwing money out the window.
• Vehicle options impact prices – Selecting a car model with an alarm system can earn a premium discount. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
• File a insurance claims and pay more – If you file a lot of claims you should expect either policy cancellation or increased premiums. Insurance companies give the best rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for larger claims.
• Liability coverage limits should be high – Your policy’s liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
• Gender and insurance coverage costs – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. They both are in fender benders in similar percentages, but the men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

• Can I pay claims out-of-pocket if I buy high deductibles?
• When do I need to add a new car to my policy?
• Is my ex-spouse still covered by my policy?
• How do I insure my teen driver?
• What is roadside assistance coverage?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

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Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance covers damage to your Accord caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2014 Honda Accord.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and doesn’t 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. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, repair costs for stationary objects, attorney fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses like pain medications, X-ray expenses, hospital visits, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Shop. Compare. Save.

More affordable car insurance is possible online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer price quotes online and these small, regional companies work with independent agencies.

We’ve covered a lot of information how to save on 2014 Honda Accord insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best prices are with the least-expected company.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Helpful information

• How do I File a Claim? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Auto Insurance Basics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)

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