Cheap 1996 Honda Accord Insurance Rates

Want the cheapest insurance coverage rates for your Honda Accord? Tired of not being able to afford to pay your insurance coverage bill each month? You have the same problem as millions of other drivers. Due to the abundance of choices, it is hard for the average consumer to pick the cheapest insurance coverage provider.

You should make it a habit to get comparison quotes as often as possible due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the lowest rates on Accord insurance six months ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

Lower-cost insurance coverage quotes with discounts

Car insurance companies do not list every disount available in an easy-to-find place, so here is a list a few of the more common as well as the least known credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Buy New and Save – Putting coverage on a new car can get you a discount since new model year vehicles have better safety ratings.
• Resident Student – Older children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
• Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
• Payment Method – By making one initial payment rather than paying in monthly installments you could save 5% or more.
• First Accident Forgiveness – Not a discount per se, but some insurance companies allow you one accident without the usual rate increase so long as you are claim-free before the accident.
• Theft Prevention Discount – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Own a Home – Owning a home may earn you a small savings because owning a home requires a higher level of personal finance.
• Senior Citizen Discount – Drivers over the age of 55 are able to get a slight reduction on a car insurance quote on Accord insurance.

Just know that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will bring down your policy premium.

Larger insurance coverage companies and a summarized list of policyholder discounts are detailed below.

• Progressive has discounts for homeowner, online signing, good student, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
• Farmers Insurance offers discounts for mature driver, early shopping, homeowner, pay in full, good student, electronic funds transfer, and distant student.
• Farm Bureau may have discounts that include renewal discount, driver training, safe driver, youthful driver, good student, and multi-vehicle.
• State Farm offers discounts including good driver, safe vehicle, driver’s education, multiple policy, accident-free, passive restraint, and good student.
• Geico has savings for federal employee, five-year accident-free, good student, multi-vehicle, anti-lock brakes, and emergency military deployment.
• SAFECO includes discounts for accident prevention training, multi-car, drive less, teen safety rewards, and anti-lock brakes.
• Liberty Mutual offers premium reductions for good student, newly retired, exclusive group savings, multi-car, multi-policy, and new move discount.

When getting a coverage quote, ask each company or agent how you can save money. All car insurance discounts might not be offered on policies in your area. To find insurance companies that provide some of the discounts listed above, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Honda Accord insurance costs can be more affordable

A large part of saving on insurance is knowing a few of the rating criteria that play a part in calculating the rates you pay for insurance. If you understand what impacts premium levels, this helps enable you to make changes that can help you get better insurance rates. Many factors are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but other factors are less apparent like your vehicle usage or your vehicle rating.

• Long commutes cost more – The higher the miles on your Honda each year the more you’ll pay to insure it. The majority of insurers rate vehicles based on their usage. Autos that are left in the garage receive lower rates than cars that get driven a lot. A policy that improperly rates your Accord may be costing you. It’s a good idea to make sure your insurance coverage reflects the correct usage, because it can save money.
• Get married and pay less – Having a wife or husband helps lower the price on your insurance policy. Having a significant other usually means you are more mature than a single person and insurance companies reward insureds because married drivers tend to file fewer claims.
• Your job and insurance rates – Did you know your career choice can influence rates? Careers such as judges, executives and financial analysts tend to have higher rates than average due to high stress levels and lots of time spent at work. On the other hand, jobs like scientists, historians and the unemployed have the lowest average rates on Accord insurance.
• Vehicles with better crash test results impact rates – Driving a car with a theft deterrent system can get you a discount on your insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
• Premiums impacted by your city – Choosing to live in less populated areas can be a good thing when trying to find low car insurance rates. Lower population means reduced accidents in addition to fewer liability claims. Drivers who live in large cities regularly have more road rage incidents and longer commutes to work. Higher commute times means more chances of being involved in an auto accident.
• Liability insurance is important – Your insurance policy’s liability coverage provides coverage if a jury decides you are liable for damages from an accident. Liability provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to comp and collision, so buy as much as you can afford.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining if your situation might need professional guidance.

• Am I covered by my spouse’s policy after a separation?
• Should I sign the liability waiver when renting a car?
• Is my nanny covered when driving my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What exactly is covered by my policy?
• How do I insure my teen driver?
• What should my uninsured motorist coverage limits be in my state?
• Is upholstery damage covered by car insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Auto liability insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like bail bonds, loss of income, medical services and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, surgery, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Accord caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, hitting a bird, a broken windshield, hitting a deer and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Honda Accord.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Don’t throw your cash in the trash

When searching for low cost car insurance quotes, do not buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage only to regret they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We covered some good ideas how to get a better price on 1996 Honda Accord insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive car insurance. You may be surprised to find that the best price on auto insurance is with a small mutual company. These companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm and Allstate.

Cheaper auto insurance can be found on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and most of the time these regional insurance providers sell through independent insurance agents.

More detailed auto insurance information can be read at these sites:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption