Save on 2001 Honda Accord Insurance Cost

Trying to find better insurance coverage rates for your Honda Accord? Having to pay for pricey Honda Accord insurance can dwindle your accounts and possibly require postponing other expenditures. Performing a price comparison is an excellent way to reduce premiums and put more money in your pocket.

Due to the large number of options, it can be hard to choose the cheapest insurance coverage provider.

Shopping for affordable insurance coverage can be fairly easy. If you are insured now or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Vehicle owners just need to understand the proper methods to get comparison quotes on the web.

How much does auto insurance cost?

Finding cheaper 2001 Honda Accord auto insurance quotes is actually quite simple. Drivers just need to take a couple of minutes to get quotes from some recommended companies. It’s really simple and can be done by using one of the methods below.

  • If you’re in a hurry, the quickest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form eliminates the need for repetitive form entry for every prospective company. In just a few minutes this one form will return price quotes from several companies.
  • A less efficient way to obtain and compare quotes online requires you to visit the website of each company and complete a new quote form. For example, we’ll pretend you are doing a rate comparison from Nationwide, 21st Century and Allstate. You would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The most difficult method to get rate quotes is making phone calls or going to and from local insurance agencies. Comparing rate quotes online has reduced the need for local agents unless your situation requires the advice and guidance of an agent trained in personal lines coverage. Some companies do allow you to compare the best prices online and still use a local agent.

However you get your quotes, be certain you are entering equivalent quote data on every price quote you get. If you enter differing limits you can’t possibly make a fair comparison for your Honda Accord.

These discounts can slash car insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Some discounts will apply when you purchase, but a few must be manually applied before they will apply.

  • Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase life insurance.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save up to 15% off the medical payments premium.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may get savings up to 30%.
  • Sign Early and Save – A few companies allow discounts for switching to them early. It can save you around 10%.
  • Senior Citizen Discount – Mature drivers may receive a small discount on rates for Accord coverage.
  • College Student Discount – Any of your kids who live away from home at college without a vehicle on campus could get you a discount.
  • Drive Less and Save – Maintaining low annual mileage can qualify you for cheaper premium rates.
  • E-sign – Some of the larger companies provide a small discount shop auto insurance on your computer.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride. But any discount will lower your overall bill.

A few popular companies and a partial list of their discounts are included below.

  • State Farm includes discounts for good driver, student away at school, Drive Safe & Save, safe vehicle, and defensive driving training.
  • Progressive may offer discounts for homeowner, multi-policy, online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
  • Progressive offers premium reductions for good student, continuous coverage, multi-vehicle, online quote discount, multi-policy, online signing, and homeowner.
  • MetLife discounts include defensive driver, claim-free, good student, accident-free, and multi-policy.
  • Farm Bureau has savings for multi-vehicle, driver training, renewal discount, multi-policy, and safe driver.
  • Geico may include discounts for membership and employees, daytime running lights, defensive driver, driver training, multi-policy, and seat belt use.
  • SAFECO offers discounts including anti-lock brakes, teen safety rewards, multi-car, accident prevention training, and safe driver.

When getting free auto insurance quotes, it’s a good idea to every company which discounts can lower your rates. Some discounts listed above may not be offered in your area. To view car insurance companies who offer car insurance discounts, click here.

When do I need an agent’s advice?

When buying adequate coverage, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • Where can I find DUI or SR-22 insurance?
  • Should I buy additional glass protection?
  • What is the rate difference between pleasure use and commuting?
  • Am I insured when driving a different vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions, you may need to chat with 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 may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of your policy can be of help when determining the best 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 coverage types found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Honda Accord.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, funeral expenses, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, funeral costs and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comments About 2001 Honda Accord Insurance

  1. Marilou Calderon

    2001 Honda Accord + 21st Century = CHEAP! At least inNorth Carolina anyway.

  2. Emmy Combs

    Does Oregon require me to have car insurance?

  3. Jamika Snyder

    Not sure if this is cheap. I live on the west side of Buffalo, New York. Went online for free insurance quotes for a 2001 Honda Accord. Ended up at about $80 savings annually. Went with State Farm. I think they have home insurance too.

  4. Kymberly Hooper

    I went with 21st Century at renewal. Best rates in Kansas City, Kansas. Next renewal I’ll just do liability.

  5. Romelia Wade

    Like your site, BTW. Checking in from Springfield, Massachusetts. Got prices from Amica, Nationwide, and a few others for my Accord and I think I am saving around $30 each month. Ask about discounts.

  6. Jessie Malone

    Where is cheaper car insurance? From Frederick, Maryland. I got free quotes with GEICO, Hartford, and Erie for my Accord and I’m now saving $14 a month. I get lower rates because of my clean driving record. :)

  7. Etta Parrish

    If you have a good history and live around Spokane, WA, check out State Farm. You might save some money. Anyone else drop full coverage?

  8. Mitzie Ayala

    I’m looking for cheaper coverage. From south side of Nashville, Tennessee. Got car insurance quotes from GEICO, The General, and Encompass for my 2001 Honda Accord and I think I saved around $20 each month. I even had a DUI years ago. I only have liability coverage on it.

  9. Daron Gilbert

    Great site. Located in Las Vegas, Nevada. Received prices from Travelers, AAA, Liberty Mutual, and Safeco for my Honda and saved $104 a year. It was easy to get rates. I just carry liability insurance.

  10. Charlie Guerrero

    Cheap is relative. I’m in the suburbs of Indianapolis, Indiana. I got free quotes with 21st Century, Auto-Owners, and Encompass for my 2001 Honda Accord and I think I am saving around $20 each month. Insured with Sentry before. I think they have home insurance too. LOL

  11. Wava Hayes

    Here’s my quote info. I live in Bangor, Maine. I got free prices from GMAC, American Family, Nationwide, and a couple others for my 2001 Honda Accord and I’m now saving $12 a month. Are quotes cheaper online? I only have liability coverage on it.

  12. Mario Terry

    If you don’t have tickets and live near Hilo, Hawaii, check out State Farm. You might get cheaper rates. I have kids on my policy, too. Only insure liability on my Accord.

  13. Brice Beasley

    I found pretty cheap rate quotes for a 2001 Honda Accord in San Antonio, TX. Ended up at right around $110 every six months with American Family. I get multi-vehicle and multi-policy discounts. I quoted rates online then called them.

  14. Charis Potter

    I found pretty cheap rate quotes for a 2001 Honda Accord in Wilmington, DE. Ended up at about $90 every six months with Amica. Left State Farm to switch. I get lower rates because of my clean driving record. It’s too old for full coverage.