Save on 2004 Honda Accord Car Insurance Rates

Consumers have many options when looking for affordable Honda Accord insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to quote coverages for a Honda and obtain the lowest price either online or from local insurance agents.

The quickest method we recommend to compare insurance rates in your area is to understand auto insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is provide a small amount of information including whether you are single or married, how much school you completed, types of safety features, and how much you drive. That information gets transmitted to many highly-rated insurers and they return quotes within a short period of time.

If you would like to compare rates now, click here and complete the quick form.

Car insurance can get complicated

When it comes to choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining if you may require specific advice.

• When do I need to add a new car to my policy?
• Does liability extend to a camper or trailer?
• Is upholstery damage covered by car insurance?
• Am I covered when driving on a suspended license?
• Will my insurance pay for OEM parts?
• Am I covered when pulling a rental trailer?
• Does my insurance cover a custom paint job?
• How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, funeral costs and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, fire damage and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision insurance will pay to fix damage to your Accord caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

Liability insurance will cover damage that occurs to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.