Trying to find better auto insurance rates? Buyers have a choice when searching for the best price on Honda Accord insurance. You can either waste hours calling around getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to get price quotes for a Honda and find the cheapest rates.
Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Consumers only need to know the most effective way to compare company rates online.
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but occassionally some discounts must be specially asked for prior to getting the savings. If you are not receiving all the discounts you deserve, you could be saving more on your auto insurance.
Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
A few popular companies and some of their more popular discounts can be found below.
It’s a good idea to ask every insurance company the best way to save money. Some discounts listed above may not be offered everywhere.
When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.
These are some specific questions might point out whether or not you might need professional guidance.
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.
Consumers can’t get away from ads for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the ads make the same claim about how much you will save if you switch your car insurance coverage to their company.
How does every car insurance company make almost identical claims?
Companies have specific characteristics for a prospective insured that will most likely be profitable. For example, this type of driver might be described as between the ages of 40 and 55, carries high limits, and drives a lower-performance vehicle. A customer that hits that “sweet spot” receive the lowest rate quotes and most likely will save quite a bit of money when switching.
Potential customers who don’t measure up to the ideal profile will probably be forced to pay a higher rate and this results in the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” will save that much if they switch. That is how companies can make those statements. This illustrates why you should compare price quotes frequently. Because you cannot predict which car insurance company will give you the biggest savings.
Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims such as legal defense fees, bail bonds, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
People switch companies for a variety of reasons including questionable increases in premium, policy non-renewal, delays in responding to claim requests and unfair underwriting practices. Regardless of your reason, choosing a new insurance company is not as hard as you think.
When you buy car insurance online, never reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage only to discover later they didn’t have enough coverage. Your focus should be to find the BEST coverage at an affordable rate, but do not skimp to save money.
You just read a lot of ways to get a better price on 1996 Honda Accord insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheap car insurance. Consumers may even find the lowest prices come from a lesser-known regional company.
More tips and info about auto insurance can be read in these articles:
Harriette Guy
Not sure if this is cheap. I live on the west side of Columbus, OH. Can’t remember who all I quoted but I ended up saving about $20 each month. Have an at-fault accident tho. They were helpful in switching over. I don’t put full coverage on it.
Chau Jacobs
Proud to be from Owensboro, Kentucky. I compared lots of rates. Saved darn near $30 a month. Progressive was the best choice for me. Not sure if rates are cheaper online or through an agent. Liability only on my Honda.
Tennille Schroeder
Hope my car insurance gets cheaper. Live in the southern part of West Valley City, UT. Received prices from Allstate, American Family, and some I forget for my 1996 Honda Accord and saved just over $70 a year. Even increased my liability limits. Not sure if rates are cheaper online or through an agent. I dropped full coverage awhile back.
Ali Merritt
Good site, thanks. I live just to the south of Little Rock, Arkansas. Got car insurance quotes with Amica, Nationwide, and some smaller one I can’t remember the name of for my Accord and saved just over $70 a year. Switched homeowners coverage too.
Queenie Schwartz
If you have a good history and live near Columbus, OH, check out 21st Century. You might save some money. Even increased coverage a bit. Highly recommended.
Reba Schroeder
Just my two cents. From northwest of Mobile, AL. Got quotes from Allstate, AIG Insurance, and some I forget for my Honda and I think I am saving around $20 each month.
Margarito Moreno
I found pretty cheap rate quotes for a 1996 Honda Accord in Minneapolis, Minnesota. Ended up at roughly $90 every six months with American Family. I think they have home insurance too.
Rubi Hendrix
State Farm is cheapest in Montana! :)
Thomasine Medina
Corporate greed I’m telling you. I’m in the suburbs of Las Vegas, NV. Can’t remember who all I quoted but I ended up saving about $30 each month. Was with Farmers. I don’t put full coverage on it.
Stefani Townsend
Anyone like their agent?
Ellis Nolan
Cheap car insurance? What’s that? I live in a small town just outside of Tucson, AZ. Got car insurance quotes from AAA, Farmers, and Nationwide for my 1996 Honda Accord and cut my rates about $120 a year. Left Hanover to switch.
Phyllis Chaney
I’m just south of Lexington, KY. I quoted with Liberty Mutual, American Family, Mercury, and a couple others for my Accord and I think I saved around $10 each month.
Sal Clark
I’m in Honolulu, HI. Got car insurance rates from The General, American Family, Mercury, and a couple others for my Accord and cut my rates about $90 a year. I got prices on the web.
Shandi Obrien
I’m from Salt Lake City, Utah. Quoted with Safeco, Erie, Progressive, and Auto-Owners for my Accord and I think I cut my rates about $10 each month. Online quotes are the way to go. When should I drop full coverage?
Charlene Camacho
Enjoyed the article. From Shreveport, LA. Got rates from The General, American Family, Nationwide, and a couple others for my 1996 Honda Accord and I think I cut my rates about $20 each month. Left Eastwood to switch. I quoted rates online then called them. It’s too old for full coverage.
Lorene Browning
Anyone understand their policy?
Guy Strickland
Cheapest quote for my 1996 Honda Accord was with Esurance. Was with Mercury. When should I drop full coverage?
Theo Leon
I live just to the north of Augusta, GA. Got rates from Progressive, Liberty Mutual, and Erie for my Accord and saved about $80 a year. My Accord doesn’t have full coverage.
Ji Gilbert
Will Allstate raise rates for a rock chip claim?