Cheaper 2000 Honda Accord Car Insurance Quotes

Did you make the mistake of buying an underperforming, overpriced insurance policy? You’re preaching to the choir because there are many drivers thinking the same thing.

Due to the fact that there are so many companies to choose from, it is very difficult to pick the lowest cost insurance company.

It’s important to get comparison quotes once or twice a year because insurance rates are usually higher with each renewal. If you had the lowest premium rates on Accord coverage last year the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because you’re about to find out the quickest way to get good coverage at a lower rate.

Cheap car insurance

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize the web to maximize your effort.

Many of the larger companies enroll in a system where prospective buyers only type in their quote data once, and each participating company can give them a price. This saves time by eliminating form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The only downside to using this type of system is you can’t choose which insurance companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just double check that you are using exactly the same coverage limits and deductibles for each price quote. If you use different coverage information it will be next to impossible to find the best deal for your Honda Accord. Slightly different coverages may cause a big price difference. Just keep in mind that quoting more helps locate a lower rate. Not every company allows you to get prices over the internet, so you should also compare price quotes from those companies as well.

Insurance companies are expert advertisers

Insurance companies such as Allstate, Geico and Progressive continually stream ads on television and other media. All the companies convey the message that you can save if you move your policy. How is it possible that every company can sell you cheaper insurance coverage?

Insurance companies give the best rates for the type of driver that earns them a profit. For instance, a desirable risk might have to be between the ages of 30 and 45, carries full coverage, and drives newer vehicles. Someone that hits that “sweet spot” will get a cheap rate quote and will most likely save when switching.

Consumers who don’t measure up to these criteria will get a more expensive rate and the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can advertise the way they do.

Because of this risk profiling, you absolutely need to get auto insurance quotes as often as possible. You cannot predict which company will provide you with the cheapest rates.

Discounts can really help lower rates

Car insurance is not cheap, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but some must be asked for prior to getting the savings. If you don’t get every credit you qualify for, you may be paying too high a price.

  • Paper-free Discount – A few larger companies will give you a small discount for completing your application on the web.
  • Save with More Vehicles Insured – Buying coverage for several vehicles on one policy qualifies for this discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Safety Course Discount – Taking part in a defensive driver course could possibly earn you a 5% discount and make you a better driver.
  • Government Employees – Active or former government employment may qualify for a discount when you quote auto insurance on Accord coverage with a few insurance coverage companies.
  • Membership in Organizations – Belonging to a civic or occupational organization could qualify you for a break when getting a auto insurance quote.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Senior Discount – If you’re over the age of 55, you are able to get a small discount on rates on Accord coverage.

Don’t be shocked that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down your policy premium.

To see insurance coverage companies that offer some of these discounts, click here.

Will just any policy work for me?

When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover if you might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Why am I required to buy high-risk coverage?
  • Is my Honda Accord covered if I use it for business?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a Honda Accord

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, a tree branch falling on your vehicle, damage from getting keyed and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits 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 $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, bail bonds, attorney fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This covers damage to your Accord caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Honda Accord.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Online plus local equals savings

A few companies may not provide rate quotes online and many times these smaller providers only sell coverage through local independent agencies. The cheapest 2000 Honda Accord insurance is possible both online as well as from insurance agents, and you need to price shop both to get a complete price analysis.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.

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Comments About 2000 Honda Accord Insurance

  1. Merilyn Wilson

    All companies are crooks. I’m from Wilmington, DE. Quoted with Auto-Owners, Safeco, and a few others for my Accord and saved $100 a year. God forbid I actually have a claim.

  2. Rosio Middleton

    I got quite a few price quotes for a 2000 Honda Accord in Charleston, WV. Ended up at about $80 every six months with Amica. Bought it from an online quote. My Accord doesn’t have full coverage.

  3. Malissa Tate

    I can’t pay high rates. Live in the western part of Jersey City, New Jersey. Don’t remember every company but I ended up saving about $20 each month. I have a couple other vehicles on the policy. You can get a rate quote online. I don’t insure for physical damage though.

  4. Tiffiny Pena

    Just a quick comment on my experience. Live in the northern part of Phoenix, Arizona. I quoted with GMAC, American Family, Sentry, and a couple others for my Honda and saved $68 a year. I used their website to get prices. Anyone else drop full coverage?

  5. Carola Hernandez

    I’m in Sioux Falls, South Dakota and for me Allstate had the lowest quote.

  6. Shanna Cherry

    Is Allstate cheaper than Auto-Owners in Fort Wayne, IN?

  7. Fran Roach

    Just a quick comment on my experience. I’m in the south part of San Diego, CA. I got free prices from GEICO, Farmers, and The General for my Honda and saved around $90 a year. I got prices on the web.

  8. Pia Martinez

    I was with Liberty Mutual last year but switched to Allstate. From northwest of Phoenix, Arizona. Insured with Hartford before. Just waiting to see how claims go. I only have liability coverage on it.

  9. Divina Grant

    I live west of Missoula, MT. Went online for free insurance quotes for a 2000 Honda Accord. Ended up at about $120 savings annually. Went with State Farm. Hopefully won’t need it. LOL I don’t insure for physical damage though.

  10. Lowell Briggs

    If you don’t have tickets and live near Huntington, WV, check out State Farm. They seem to be cheaper. My Accord doesn’t have full coverage.

  11. Eugenio Francis

    It all costs too much. Proud to be from Paterson, NJ. I got free quotes from AIG Insurance, Farmers, and MetLife for my Honda and I’m now saving $22 a month. Moved home policy as well.

  12. Newton Stone

    Cheaper not always better. Located in Houston, TX. Can’t remember who all I quoted but I ended up saving about $20 each month. It’s still not cheap enough.