2014 Honda Accord Plug-In Hybrid Insurance Cost – 8 Discounts for Best Prices

Shoppers have a choice when shopping for the lowest priced Honda Accord Plug-In Hybrid insurance. They can either waste time contacting agents getting price quotes or use the internet to get rate quotes.

There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages for a Honda and find the best price possible either online or from local insurance agents.

How to find affordable insurance

There are a variety of methods to shop for insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours driving to insurance companies in your area, or you could use online quotes to get prices fast.

Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and each company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only downside to pricing coverage this way is that you can’t choose the companies to receive prices from. If you would rather choose individual companies to request quotes from, we have a listing of insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just do your best to enter apples-to-apples information with each company. If you have higher or lower deductibles you can’t possibly find the best deal for your Honda Accord Plug-In Hybrid.

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Lower-cost auto insurance quotes with discounts

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. A few discounts will be applied when you get a quote, but some must be inquired about before they will apply. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

• Life Insurance – Larger auto insurance companies have a lower premium rate if you buy some life insurance in addition to your auto policy.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Accord Plug-In Hybrid insurance than less cautious drivers.
• Student in College – Any of your kids who are attending college and won’t have access to an insured vehicle could qualify for this discount.
• Mature Driver Discount – Mature drivers may be able to get a small discount on rates for Accord Plug-In Hybrid insurance.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save a little on medical payment and PIP coverage.
• Clubs and Organizations – Being a member of qualifying employment or professional organizations could trigger savings on auto insurance.
• Onboard Data Collection – Insureds that choose to allow driving data submission to track driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.

As a sidenote, most credits do not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.

A few of the larger companies and their possible discounts are included below.

• State Farm includes discounts for multiple policy, driver’s education, Steer Clear safe driver discount, student away at school, and anti-theft.
• American Family offers discounts for good student, accident-free, defensive driver, bundled insurance, mySafetyValet, multi-vehicle, and early bird.
• Geico discounts include daytime running lights, multi-vehicle, emergency military deployment, membership and employees, and driver training.
• 21st Century may offer discounts for teen driver, student driver, theft prevention, good student, air bags, defensive driver, and driver training.
• Progressive has discounts for online signing, multi-policy, continuous coverage, multi-vehicle, and good student.

If you need lower rates, check with every company how you can save money. Some discounts may not apply to policies in your area. To choose insurance companies that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

• Should I waive the damage coverage when renting a car?
• Will I lose any money if I cancel my policy before it expires?
• When should I drop full coverage on my 2014 Honda Accord Plug-In Hybrid?
• What vehicles should carry emergency assistance coverage?
• Which companies will insure high-risk drivers?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, legal defense fees, funeral expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as hospital visits, funeral costs, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This pays for damage to your Accord Plug-In Hybrid caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

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

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed, damage from flooding, fire damage and vandalism. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Honda Accord Plug-In Hybrid.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

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Final considerations

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best possible price while still protecting your assets.

Consumers switch companies for a number of reasons such as high prices, being labeled a high risk driver, high rates after DUI convictions and even poor customer service. Whatever your reason, finding a great new company can be less work than you think.

We just presented quite a bit of information on how to lower your 2014 Honda Accord Plug-In Hybrid insurance car insurance rates. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates are with the smaller companies.

To read more, link through to these articles:

• Crash Avoidance Technologies FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Auto Insurance 101 (About.com)

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