2016 Honda Accord Car Insurance Quotes – 7 Savings Tips

Having to pay for overpriced insurance can dry up your personal savings and force you to prioritize other expenses. Doing a rate comparison is a smart way to slash your bill and have more diposable income.

Insurance companies such as State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with catchy ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It’s a good habit to get comparison quotes once or twice a year due to the fact that insurance prices fluctuate regularly. Even if you think you had the best deal for Accord insurance six months ago there is a good chance you can find better rate quotes now. You’ll find quite a bit of inaccurate information about insurance online but in this article, you’re going to get some guaranteed methods to quit paying high insurance rates.

If you have insurance now or need a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding the best rates is quite easy. Consumers just need to understand the proper methods to get comparison quotes over the internet.

Seven discounts to earn cheaper insurance coverage rates

Some providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so we break down a few of the more well known and the more hidden discounts that may be available.

• Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less for Accord insurance compared to rates paid by drivers with frequent claims.
• Low Mileage Discounts – Driving less may allow you to get slightly better insurance coveragerates than normal.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life policy as well.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
• One Accident Forgiven – This one is not really a discount per se, but a few companies such as State Farm and Geico allow you one accident without getting socked with a rate hike if your claims history is clear before the accident.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings since home ownership requires personal responsibility.
• Active Military Service – Having an actively deployed family member can result in better rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

Popular insurance coverage companies and a summarized list of policyholder discounts are shown below.

• 21st Century may offer discounts for student driver, good student, homeowners, defensive driver, and air bags.
• Progressive policyholders can earn discounts including online quote discount, online signing, multi-policy, multi-vehicle, good student, and homeowner.
• State Farm includes discounts for good driver, accident-free, driver’s education, anti-theft, good student, and multiple autos.
• Nationwide has savings for Farm Bureau membership, accident-free, good student, business or organization, defensive driving, and multi-policy.
• Esurance offers discounts for online shopper, good student, safety device, emergency road assistance, claim free, and good driver.
• The Hartford offers discounts including driver training, air bag, defensive driver, bundle, and good student.

Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered everywhere. If you would like to see a list of insurers that offer discounts, follow this link.

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Buy auto insurance online

Shopping for lower auto insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace where prospective buyers submit one quote, and each company can provide price quotes based on that information. This prevents consumers from doing quotation requests for each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose which carriers to get pricing from. So if you want to select specific providers to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just be sure to compare exactly the same deductibles and coverage limits for every quote you compare. If the quotes have different limits and deductibles on each one it will be impossible to decipher which rate is best.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight whether or not you will benefit from professional help.

• Will my insurance pay for OEM parts?
• How much liability insurance is required?
• Do I need roadside assistance coverage?
• Is my 2016 Honda Accord covered for flood damage?
• Does my 2016 Honda Accord need full coverage?
• Why am I required to get a high-risk car insurance policy?
• Why am I required to buy high-risk coverage?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Be skeptical of car insurance ads

Consumers can’t get away from all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. They all convey the message that drivers can save some big amount if you change your policy.

How is it possible that every company can charge less that you’re paying now? This is the way they can do it.

Companies provide the lowest rates for the type of driver that will add to their bottom line. A good example of a desirable insured may need to be a female over age 40, has no tickets, and drives a vehicle with a low ISO rating. A driver that meets those criteria will get low prices and is almost guaranteed to save money with a new company.

Potential customers who are not a match for these stringent criteria may be forced to pay higher premiums and ends up with the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can make claims that they all have the best auto insurance rates.

This really drives home the point why you should get a wide range of price quotes. It’s just too difficult to predict which car insurance company will have the lowest rates.

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Auto insurance coverage basics

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: 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 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, ambulance fees, prosthetic devices, nursing services and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Accord from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, hitting a bird and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save for a rainy day

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage only to regret that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price, but don’t skip important coverages to save money.

You just learned some good ideas how to lower your 2016 Honda Accord insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. Drivers may discover the most savings is with an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Cheaper 2016 Honda Accord insurance is definitely available on the web in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these regional insurance providers only sell coverage through independent agents.

Helpful resources

• Auto Insurance 101 (About.com)
• Who Has the Cheapest Jacksonville Car Insurance Quotes for a Honda Accord? (JacksonvilleCoverage.com)
• How Much are Car Insurance Quotes for a Honda Accord in Newark? (NewarkInsure.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)

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