2015 Honda Accord Insurance Rates – 8 Ideas for Cheaper Quotes

Looking for cheaper insurance coverage rates for your Honda Accord? Nobody I know loves paying for insurance coverage, especially knowing they could lower their rates if they shopped around.

Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest rate

It’s smart to compare prices yearly because insurance prices change quite often. Even if you got the best price for Accord insurance two years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Finding affordable coverage is quite easy. But consumers do need to learn the methods companies use to sell insurance online and use this information to your advantage.

Get cheap insurance with discounts

Companies offering auto insurance don’t always list every policy discount very well, so the following list contains both well-publicized and the harder-to-find credits that may apply to you.

• Early Renewal Discounts – Select companies give a discount for switching policies before your current expiration date. You may see this discount when you get auto insurance quotes online.
• Save with More Vehicles Insured – Having several vehicles on a single policy can reduce rates for all insured vehicles.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies will let one accident slide without raising rates as long as you don’t have any claims prior to the accident.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
• Good Student Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. The discount lasts up to age 25.
• Drive Less and Save – Keeping the miles down on your Honda may allow you to get substantially lower insurancerates.
• Student in College – Children who attend college more than 100 miles from home and leave their car at home can receive lower rates.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, insurance companies aren’t that generous.

Companies and the discounts they provide can be read below.

• American Family may offer discounts for TimeAway discount, multi-vehicle, good driver, bundled insurance, and accident-free.
• Farm Bureau discounts include good student, 55 and retired, renewal discount, safe driver, and youthful driver.
• State Farm has savings for anti-theft, good driver, driver’s education, safe vehicle, and student away at school.
• Travelers has discounts for student away at school, payment discounts, new car, save driver, driver training, and IntelliDrive.
• The Hartford may include discounts for driver training, bundle, air bag, defensive driver, and anti-theft.
• Geico offers premium reductions for five-year accident-free, air bags, multi-vehicle, good student, daytime running lights, and anti-theft.
• Progressive may have discounts that include multi-vehicle, continuous coverage, online quote discount, good student, online signing, homeowner, and multi-policy.

If you need affordable auto insurance quotes, ask all companies you are considering how many discounts you can get. Some credits may not apply in every state.

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Where can I get low cost car insurance?

There are multiple methods to compare car insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes. This saves time by eliminating repetitive form submissions to every company.

To compare pricing click to open in new window.

One minor caviat to using this type of form is you can’t choose the companies you want to price. So if you prefer to pick from a list of companies for rate comparison, we put together a list of companies who write car insurance in your area. Click to view list.

Take whichever approach you prefer, but compare exactly the same coverages on every quote. If you compare different coverage information then you won’t be able to make an equal comparison. Just a small difference in coverages could mean much higher rates. Just remember that comparing more quotes provides better odds of finding the best price. Some companies don’t provide online quotes, so it’s important to compare quotes from them, too.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if your insurance needs could use an agent’s help.

• Am I covered when pulling a rental trailer?
• Do I need rental car coverage?
• Will my insurance pay for OEM parts?
• Does coverage extend to Mexico or Canada?
• Is borrowed equipment or tools covered if stolen or damaged?
• What should my uninsured motorist coverage limits be in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I afford to buy a different vehicle if my 2015 Honda Accord is totaled?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Collision insurance

This pays for damage to your Accord resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, loss of income, medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, rock chips in glass, damage from flooding, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, nursing services, dental work, surgery and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

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Coverage on a shoestring budget

Lower-priced insurance coverage is possible both online and also from your neighborhood agents, so you need to shop auto insurance with both to get a complete price analysis. Some companies may not provide online rate quotes and usually these regional insurance providers only sell coverage through independent agents.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

More resources

• Side Impact Crash Tests (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)

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