2010 Honda Accord Car Insurance Quotes – 7 Ways to Save

Trying to find cheaper insurance for your Honda Accord can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance coverage and you need to know the quickest way to quote coverages on a Honda and find the lowest possible price from local insurance agents and online providers.

Free insurance coverage rate quotes

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the most efficient way. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many of the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and each company provides a quote based on that information. This prevents consumers from doing repetitive form submissions for each company. To access this free quoting program, click here (opens in new window).

The one downside to pricing coverage this way is you are unable to specify which providers to receive prices from. So if you want to select individual companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to enter identical coverage limits and deductibles on every price quote you get. If you have unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Honda Accord.

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Don’t overlook these seven car insurance discounts

Car insurance companies don’t necessarily list all disounts in a way that’s easy to find, so the list below contains some of the more common and also the lesser-known ways to save on car insurance.

• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Accord coverage with certain companies.
• College Student – Older children who are attending college and do not take a car to college may be insured at a cheaper rate.
• Air Bags and Passive Restraints – Options like air bags could see savings as much as 30%.
• Save with a New Car – Adding a new car to your policy can be considerably cheaper since newer vehicles are generally safer.
• Renewal Discounts – Some insurance companies reward drivers for buying a new policy prior to your current policy expiring. You could save around 10% when you buy insurance online.
• Multi-policy Discount – If you combine your auto and home policies and insure them with the same company you could earn a discount of up to 20% and get you low cost insurance.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Some of the insurance companies that possibly offer some of the discounts shown above possibly include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Double check with every insurance company to apply every possible discount. Discounts may not be available in every state.

When to get professional advice

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

• How much can I save by bundling my policies?
• Why am I required to buy liability insurance?
• Do I have coverage when making deliveries for my home business?
• Is my state a no-fault state?
• Am I covered by my spouse’s policy after a separation?
• Do I need more liability coverage?
• Am I covered if I break a side mirror?
• Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses such as pain medications, surgery, EMT expenses, rehabilitation expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a parking meter, sideswiping another vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage – This will cover damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

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Final thoughts

In this article, we covered a lot of ways to compare 2010 Honda Accord insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost insurance. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, denial of a claim, not issuing a premium refund or delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.

To learn more, feel free to visit the resources below:

• Safety Belts FAQ (iihs.org)
• What Car Insurance is Cheapest for a Honda Accord in Denver? (DenverCoverage.com)
• What is a Telematics Device? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Think You’re a Safe Driver? (State Farm)
• Child Safety FAQ (iihs.org)

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