How Much Does 2017 Honda Accord Hybrid Car Insurance Cost?

Want cheaper auto insurance rates? Drivers have lots of choices when trying to find affordable Honda Accord Hybrid insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to get rate quotes.

There are both good and bad ways to find auto insurance online and you need to know the best way to quote coverages for a Honda and locate the cheapest rates either online or from local insurance agents.

The easiest way to get policy rate comparisons is to understand auto insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information like your occupation, how your vehicles are used, if you went to college, and if you lease or own. Your rating data is submitted instantly to insurance companies and you will get price comparisons almost instantly.

You may qualify for discounts

Some providers don’t list every available discount in a way that’s easy to find, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates.

• Government Employees – Employees or retirees of the government can save as much as 8% on Accord Hybrid coverage with select insurance companies.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Accord Hybrid coverage than drivers with accidents.
• College Student – Youth drivers who live away from home at college and don’t have a car could get you a discount.
• Anti-lock Brake System – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.
• Good Student Discount – A discount for being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Progressive will allow you to have one accident without the usual rate increase if you are claim-free for a certain period of time.

We need to note that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

A list of companies and the discounts they provide can be read below.

• American Family discounts include accident-free, bundled insurance, multi-vehicle, air bags, defensive driver, and mySafetyValet.
• Farm Bureau policyholders can earn discounts including multi-vehicle, driver training, 55 and retired, safe driver, multi-policy, and youthful driver.
• State Farm has discounts for multiple autos, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, good student, and passive restraint.
• Travelers may offer discounts for multi-policy, driver training, multi-car, student away at school, and good student.
• The Hartford may have discounts that include air bag, defensive driver, driver training, vehicle fuel type, good student, bundle, and anti-theft.
• Geico offers discounts for federal employee, anti-lock brakes, multi-vehicle, daytime running lights, emergency military deployment, and military active duty.
• Progressive includes discounts for online signing, online quote discount, multi-policy, good student, homeowner, multi-vehicle, and continuous coverage.

Before buying, ask every company how you can save money. Depending on the company, some discounts might not be available to policyholders everywhere.

There’s no such thing as the perfect insurance policy

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs will benefit from professional help.

• Do I need more liability coverage?
• Do I need roadside assistance coverage?
• Who is covered when they drive my 2017 Honda Accord Hybrid?
• Should I carry comprehensive and collision coverage?
• Are my friends covered when driving my car?
• Am I covered if I crash into my own garage door?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when pulling a rental trailer?
• Can my teen drive my company car?
• Will filing a claim cost me more?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Honda Accord Hybrid.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage covers damage to your Accord Hybrid resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle, scraping a guard rail, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance provides protection from damage that occurs to other’s property or people. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, funeral expenses and pain and suffering. 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.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, surgery, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Shop. Compare. Save.

Lower-priced 2017 Honda Accord Hybrid insurance can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not have online quoting and these regional insurance providers sell through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Insureds switch companies for a variety of reasons including not issuing a premium refund, poor customer service, delays in paying claims or extreme rates for teen drivers. No matter why you want to switch, finding a new company can be pretty painless.

More tips and info about insurance coverage is available by following these links:

• Child Safety Seats (Insurance Information Insitute)
• What Car Insurance is Cheapest for a Honda Accord in Denver? (DenverCoverage.com)
• Should I Buy a New or Used Car? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)