Lower Your 1999 Honda Accord Insurance Quotes

Trying to find the cheapest insurance rates for your Honda Accord? Comparing and finding low cost premium rates for insurance may be a challenge for people who have little experience online rate comparisons. Drivers have so many choices that it can easily turn into a difficult challenge to compare prices.

The cheapest auto insurance price quotes online

Comparing auto insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program where insurance shoppers submit one quote, and at least one company returns a competitive quote determined by their information. This eliminates the need for quote requests for every auto insurance company. To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to getting quotes like this is that consumers can’t choose which insurance companies you want to price. So if you want to choose individual companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same coverages and limits on every quote. If you have different coverage information it’s not possible to find the best deal for your Honda Accord. Just slight variations in coverage limits can mean a large discrepancy in price. Just remember that comparing a large number of companies helps improve the odds of finding better pricing.

Get cheaper insurance prices by understanding these factors

Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are more obscure such as your marital status or your financial responsibility.Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. When you understand what controls the rates you pay, this enables you to make decisions that may result in lower auto insurance prices.

• Your location is a factor – Living in a small town has it’s advantages when buying auto insurance. Less people means reduced accidents. People who live in big cities have much more traffic and much longer commute distances. Longer commute distances means more chance of being in an accident.
• Prevent coverage lapses – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. Not only will you pay higher rates, failure to provide proof of insurance can result in a revoked license or a big fine.
• Save money by having high credit – A driver’s credit score is likely to be a major factor in calculating your auto insurance rates. Drivers with high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit. If your credit rating can use some improvement, you may save money insuring your 1999 Honda Accord by improving your rating.
• Vocation impacts premiums – Did you know your career choice can influence rates? Occupations like military personnelair traffic controllers and accountants tend to have the highest rates because of intense work situations and lots of time spent away from family. Other professions such as scientists, historians and homemakers generally pay rates lower than average for Accord coverage.
• Traffic violations can increase prices – A bad driving record impacts your car insurance rates tremendously. Attentive drivers get better rates than people who have multiple driving citations. Getting just one driving citation can increase the cost of insurance by as much as thirty percent. Drivers who have dangerous violations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.

Take policy discounts and save

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be requested specifically before being credited.

• Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
• Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Telematics Data Discounts – Policyholders that allow their insurance company to scrutinize driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if their driving habits are good.
• No Claim Discounts – Claim-free drivers pay much less when compared with policyholders that have many claims.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up could save 15% off the medical payments premium.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Accord coverage than drivers with accidents.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride. But any discount will lower your insurance coverage premiums.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

• Progressive offers premium reductions for multi-policy, online quote discount, online signing, homeowner, multi-vehicle, and continuous coverage.
• Farmers Insurance has savings for distant student, youthful driver, multi-car, early shopping, and homeowner.
• Farm Bureau may have discounts that include renewal discount, youthful driver, good student, safe driver, and 55 and retired.
• State Farm includes discounts for multiple policy, anti-theft, student away at school, Steer Clear safe driver discount, and safe vehicle.
• Geico has discounts for multi-vehicle, daytime running lights, seat belt use, anti-lock brakes, five-year accident-free, and defensive driver.
• SAFECO discounts include multi-car, teen safe driver, bundle discounts, anti-lock brakes, homeowner, and accident prevention training.
• Liberty Mutual may include discounts for multi-car, multi-policy, newly married, exclusive group savings, preferred payment discount, new graduate, and new move discount.

Double check with every company what discounts are available to you. All car insurance discounts may not apply to policies in your state.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you might need professional guidance.

• What is high-risk coverage and where do I buy it?
• Do I need roadside assistance coverage?
• Should I drop comprehensive coverage on older vehicles?
• What exactly is covered by my policy?
• Does liability extend to a camper or trailer?
• Am I covered if my car is in a flood?

If you’re not sure about 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.

Insurance coverage options for a 1999 Honda Accord

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability insurance

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, damage from flooding and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

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

Collision can pay for claims such as rolling your car, hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, surgery and pain medications. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Accord.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

More quotes mean more savings

We just presented many tips how you can shop for 1999 Honda Accord insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices come from a lesser-known regional company.

Budget-friendly auto insurance can be purchased on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide the ability to get a quote online and many times these small insurance companies only sell through local independent agents.

While you’re price shopping online, never reduce needed coverages to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Additional information is located at the links below

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)