Cheap 2018 Honda Accord Insurance Rates

Consumers have many options when looking for the lowest priced Honda Accord insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Honda and obtain the best price possible.

It is always a good idea to get comparison quotes as often as possible because rates fluctuate regularly. Just because you found the best deal on Accord insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.

Buy Honda Accord insurance for less

An important part of buying insurance is that you know some of the factors that play a part in calculating your premiums. When you understand what impacts premium levels, this enables informed choices that may result in cheaper rates.

• Optional features impact premiums – Owning a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
• Don’t let your policy lapse – Having a gap between insurance policy dates will be a quick way to increase your insurance rates. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Single drivers take more risk – Having a significant other may earn you lower rates on your insurance bill. It generally demonstrates drivers are less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Discounts for auto and home policies – Most major insurance companies afford a discount to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to shop around to confirm you are receiving the best rates possible. You may still save more without the discount even if you have your coverage with different companies
• Are females or males drivers cheaper? – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that men are worse drivers. Females and males tend to get into fender benders in similar numbers, but males get into accidents with more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance rates.

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Compare car insurance rates

There are multiple methods to compare car insurance quotes, but one way is easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get pricing more quickly.

The majority of car insurance companies take part in a program that enables customers to complete one form, and each participating company then gives them pricing. This eliminates the need for form submissions to every company. To find out what other companies charge click here to open in new window.

The only downside to pricing coverage this way is that you can’t choose the insurers you want pricing from. If you wish to select individual companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages and limits on every quote. If you compare different deductibles it will be very difficult to find the best deal for your Honda Accord.

Insurance policy discounts you can’t miss

Car insurance companies don’t list every available discount in a way that’s easy to find, so here is a list a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• ABS Braking Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Accord insurance than less cautious drivers.
• Buy New and Save – Buying a new car instead of a used car can get you a discount compared to insuring an older model.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Memberships – Participating in qualifying clubs or civic groups may earn a discount when shopping for insurance.
• Discount for Swiching Early – Some companies reward drivers for signing up prior to your current policy expiring. You can save around 10% with this discount.
• Low Mileage – Driving fewer miles can qualify you for slightly better insurancerates than normal.
• Save with More Vehicles Insured – Drivers who insure multiple cars on one policy can get a discount for every vehicle.
• Senior Citizens – Older drivers may qualify for reduced rates on Accord insurance.

Don’t be surprised that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you aren’t that lucky.

A few popular companies and some of the premium reductions they offer are included below.

• Geico has discounts for multi-vehicle, federal employee, driver training, seat belt use, air bags, and anti-theft.
• Mercury Insurance may offer discounts for ease of repair, accident-free, location of vehicle, low natural disaster claims, and anti-theft.
• Farmers Insurance discounts include homeowner, early shopping, distant student, electronic funds transfer, and teen driver.
• Auto-Owners Insurance includes discounts for multi-policy, mature driver, paperless, multiple vehicles, group or association, anti-lock brakes, and paid in full.
• Liberty Mutual may have discounts that include multi-car, hybrid vehicle, safety features, preferred payment discount, teen driver discount, and multi-policy.
• SAFECO policyholders can earn discounts including safe driver, accident prevention training, bundle discounts, teen safe driver, and homeowner.
• Progressive may include discounts for online quote discount, online signing, good student, homeowner, and continuous coverage.
• USAA has savings for military installation, loyalty savings, driver training, defensive driver, family discount, multi-vehicle, and good student.

Before you buy a policy, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your state. To see providers that offer multiple discounts, follow this link.

Insurance agents can help

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you may require specific advice.

• I have health insurance so do I need medical payments coverage?
• Am I covered when driving on a suspended license?
• Which companies will insure high-risk drivers?
• What can I do if my company won’t pay a claim?
• Do I need PIP (personal injury protection) coverage in my state?
• How can I get my company to pay me more for my totalled car?
• Does car insurance cover theft of personal property?
• Am I covered if I break a side mirror?
• What if I owe more than I can insure my car for?
• Why am I required to buy liability insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

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The coverage is in the details

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance – This protects you from damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, structural damage, attorney fees, court costs and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, theft, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Accord.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverages – This will pay to fix damage to your Accord caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, scraping a guard rail, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like rehabilitation expenses, surgery and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

In the end, you save

We just covered a lot of tips how to reduce 2018 Honda Accord insurance premium rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from the least-expected company.

Consumers change insurance companies for any number of reasons including high prices, policy non-renewal, delays in responding to claim requests and even not issuing a premium refund. Whatever your reason, choosing a new company is less work than it seems.

When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

For more information, link through to these articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What Auto Insurance is Cheapest for a Honda Accord in Jersey City? (InsuranceJerseyCity.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)

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