Save on 1992 Honda Accord Insurance Rates

Searching for cheaper insurance rates for your Honda Accord? No one gets a kick out of paying for insurance, particularly when they could get a better deal.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and get the definite lowest rate possible.

It’s important to price shop coverage every six months since insurance prices are rarely the same from one policy term to another. If you had the best price on Accord insurance last year a different company probably has better rate quotes today. Block out anything you think you know about insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

Auto insurance quotes comparison

There are a variety of methods to shop for auto insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Many popular insurance companies belong to an insurance system where insurance shoppers complete one form, and every company provides a quote based on that data. This saves time by eliminating form submissions for each company.

To find out what other companies charge click here to start a free quote.

The only downside to comparing rates this way is you can’t choose the insurers to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to enter the same information for each price quote. If each company quotes different data then you won’t be able to decipher which rate is best. Just a small difference in insurance coverages or limits can result in a big premium difference. And when comparison shopping, comparing a wide range of rates will enable you to find more affordable rates.

Insurance policy discounts you can’t miss

Companies that sell car insurance don’t always list every available discount very clearly, so we researched a few of the more well known as well as the least known savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Defensive Driver Discount – Successfully completing a defensive driver class could possibly earn you a 5% discount depending on where you live.
• No Accidents – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
• E-sign Discounts
• Homeowners Discount – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home requires a higher level of personal finance.
• Low Miles Discount – Driving fewer miles could earn slightly better insurancerates than normal.
• Government Employee Discount – Active or retired federal employment may reduce rates when you quote auto insurance on Accord insurance but check with your company.
• Save over 55 – Drivers that qualify as senior citizens can get a discount up to 10% on Accord insurance.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help lower your overall bill.

To locate providers who offer discounts, click here.

Insurance agents can help

When buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if your situation might need an agent’s assistance.

• Why is insurance for a teen driver so high?
• What exactly is covered by my policy?
• Can I still get insurance after a DUI?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What are the best liability limits?
• When do I need to add a new car to my policy?
• What should my uninsured motorist coverage limits be in my state?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Why informed drivers pay less for Honda Accord insurance

Multiple criteria are considered when quoting car insurance. Some factors are common sense such as your driving record, but others are not as apparent such as whether you are married or how financially stable you are.Smart consumers have a good feel for the factors that help determine the rates you pay for insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find lower premium levels.

• Insurance policy lapses lead to higher insurance rates – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Policy add-ons can waste money – Policies have additional extra coverages that you can get tricked into buying but may not be useful. Coverage for things like rental car coverage, better glass coverage, and term life insurance may be costing you every month. These coverages may sound good at first, but your needs may have changed so think about removing them and cutting costs.
• Safety first – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and reduced instances of injuries means your insurance company pays less and lower rates for you.
• Rural vs Urban Areas – Being located in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. People in densly populated areas have congested traffic and more severe claims. Less people corresponds to lower accident rates and a lower car theft rate.
• Don’t cut corners with liability protection – Your policy’s liability coverage provides coverage if ever you are responsible for damages caused by your negligence. Liability insurance provides you with a defense in court to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Accidents will cost you – A bad driving record has a big impact on rates. Even one moving violation may cause rates to rise by as much as twenty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have gotten serious violations like DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.

Save $418 a year? Really?

Respected companies like Allstate and Progressive endlessly run ads on TV and radio. They all seem to make the point that drivers will save a bundle if you move your coverage to them. How is it possible that every company can charge lower premium rates? It’s all in how they say it.

Companies give the cheapest rates for the type of driver that earns them the highest profit. A good example of this type of driver might be between the ages of 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who do not fit those criteria may be forced to pay a more expensive rate and business going elsewhere. The wording the ads use say “people who switch” not “everyone that quotes” save that much money. That’s why companies can state the savings. This really emphasizes why you need to get a wide range of price quotes. It is impossible to predict which insurance companies will give you lower auto insurance rates than your current company.

Specifics of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, EMT expenses, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as pain and suffering, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Accord from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter, sideswiping another vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Save your cold hard cash

Throughout this article, we presented a lot of techniques to shop for 1992 Honda Accord insurance online. The most important thing to understand is the more companies you get prices for, the better your comparison will be. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower prices than their larger competitors like Allstate and Progressive.

Lower-priced 1992 Honda Accord insurance can be found both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. A few companies do not provide rates over the internet and most of the time these smaller providers prefer to sell through independent agents.

Helpful articles

• Teen Driving Statistics (Geico)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Safety Features for Your New Car (State Farm)
• Property Damage Coverage (Liberty Mutual)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)