Save on 1991 Honda Accord Insurance Quotes

Looking for better insurance rates for your Honda Accord? Pricey insurance can take a big chunk out of your family’s budget and force you to make tough financial choices. Since you have so many companies to choose from, it is very difficult to pick the most cost effective insurance company.

You should make it a habit to get comparison quotes as often as possible because insurance rates change quite often. If you had the best deal for Accord coverage on your last policy you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re going to learn the best way to lower your annual insurance bill.

Locating affordable insurance coverage coverage is simple if you know the tricks. If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to find better prices and still get good coverage. Vehicle owners just need to know the best way to shop online.

The quickest method to compare insurance rates from multiple companies is to take advantage of the fact most of the bigger providers allow for online access to provide you with free rate quotes. The only thing you need to do is give them rating details like driver ages, level of coverage desired, if it has an alarm system, and if you have a valid license. Your details is instantly sent to many different companies and they return cost estimate very quickly.

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

Do you qualify for discount auto insurance?

Some insurers don’t always list every discount in a way that’s easy to find, so the list below gives a summary of some of the best known as well as some of the hidden ways to save on auto insurance.

• Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Accord coverage with a few auto insurance companies.
• Safety Course Discount – Taking part in a defensive driving class could cut 5% off your bill depending on where you live.
• Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Early Renewal Discounts – Some larger companies give discounts for signing up prior to your current policy expiration. This discount can save up to 10%.
• Own a Home – Owning a house can get you a discount because of the fact that having a home demonstrates responsibility.
• Theft Deterent – Cars with anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

You can save money using discounts, but most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free auto insurance policy, you aren’t that lucky.

A partial list of companies that may offer many of the previously listed discounts may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need low cost auto insurance quotes, ask each company which discounts can lower your rates. Discounts may not be available in your area. If you would like to view insurers that have a full spectrum of discounts, click this link.

Components of your Honda Accord insurance prices

Lots of factors are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, but others are less apparent such as whether you are married or your vehicle rating.

• Policy lapses lead to higher insurance coverage rates – Having a gap between insurance policy dates can be a sure-fire way to pay more for insurance coverage. Not only will rates go up, the inability to provide proof of insurance may result in fines and jail time.
• Your address can influence costs – Residing in a rural area is a good thing when insuring your vehicles. Less people corresponds to lower accident rates and a lower car theft rate. Drivers in populated areas have to deal with more auto accidents and higher rates of accident claims. More time commuting can result in more accidents.
• Pleasure use or commuting – Driving more miles annually the more you will pay for insurance coverage. Most insurance companies charge rates determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. An improperly rated Accord is just wasting money. It’s a good idea to make sure your vehicle rating shows the proper vehicle usage.
• More policies can equal more savings – Most larger insurers allow better rates to policyholders that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other insurance prices to help guarantee you have the best rates. Drivers may still find lower rates by buying from different companies
• Gender and insurance coverage premiums – Statistics show females are less aggressive when driving. It does not mean females are better drivers. Women and men are in auto accidents in similar numbers, but the males have costlier accidents. Men also get ticketed for serious violations such as DWI and reckless driving.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your situation will benefit from professional help.

• Where can I find high-risk insurance?
• Is my 1991 Honda Accord covered for smoke damage?
• Is rental equipment covered for theft or damage?
• Am I insured when driving a different vehicle?
• What companies insure drivers after a DUI or DWI?
• What is the minimum liability in my state?
• Can I rate high risk drivers on liability-only vehicles?
• Why am I required to buy high-risk coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This 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 coverage protects against things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, theft and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, pain medications, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Accord resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Honda Accord.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like emergency aid, loss of income, court costs and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Quote often and quote early

We’ve covered a lot of ways to shop for 1991 Honda Accord insurance online. The most important thing to understand is the more you quote auto insurance, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies. These smaller insurers often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

Lower-priced 1991 Honda Accord insurance is possible both online and from local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. There are still a few companies who don’t offer rates over the internet and most of the time these regional insurance providers only sell coverage through local independent agencies.

More tips and info about insurance is available in the articles below:

• Red Light Cameras (State Farm)
• Who Has Cheap Car Insurance for a Honda Accord in Baltimore? (BaltimoreAutoGuard.com)
• Child Safety Seats (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)