Searching for better insurance coverage rates for your Honda Accord? Locating better insurance prices for a new or used Honda Accord can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to shop for insurance coverage so you’re going to learn the best way to get price quotes for your Honda and locate the lowest price either online or from local insurance agents.
Consumers need to get comparison quotes yearly because insurance coverage prices fluctuate regularly. If you had the lowest rates on Accord coverage last year you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.
Choosing the best insurance company for you is not that difficult. If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Consumers just need to learn the proper methods to compare prices online.
Companies don’t list the entire discount list very clearly, so below is a list a few of the more common as well as some of the hidden credits that may apply to you. If you do not double check each discount available, you are paying more than you should be.
Don’t be surprised that most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, it’s just not the way it works.
A few companies who may offer most of these discounts include:
When getting free insurance coverage quotes, it’s a good idea to each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of companies who offer car insurance discounts, click this link.
When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.
For example, these questions may help highlight whether or not you would benefit from an agent’s advice.
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.
Consumers can’t escape the ads that claim the cheapest rates from companies such as Geico, State Farm and Progressive. They all say the same thing that you’ll save big just by switching to their company.
How is it possible that every company can make the same claim? Here is how they do it.
All companies give the cheapest rates for the right customer that will not have excessive claims. One example of a driver they prefer should be a mature driver, has never had a policy lapse, and has excellent credit. Any person who fits those characteristics will probably get cheap prices and therefore will pay quite a bit less when switching companies.
Potential customers who are not a match for the “perfect” profile will have to pay a more expensive rate with the end result being the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can make those statements. This really emphasizes why drivers must do a quote comparison often. You cannot predict with any certainty which company will have the lowest rate quotes.
Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, pain medications, doctor visits, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage, theft and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a building, damaging your car on a curb, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.
This coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims such as loss of income, funeral expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.
This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.
Budget-conscious 2002 Honda Accord insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not offer rate quotes online and these small, regional companies only sell coverage through independent agencies.
Throughout this article, we presented a lot of ways to get a better price on 2002 Honda Accord insurance. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from the least-expected company.
Glynda Blackburn
Will 21st Century cancel if I have a claim?
Kira Willis
It all costs too much. I’m in the suburbs of Worcester, MA. Can’t remember who all I quoted but I ended up saving about $30 each month. Insured with USAA before.
Debbra Pierce
This is too expensive. I live in Allentown, Pennsylvania. Got car insurance quotes from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Honda and I’m now saving $21 a month. Was with Erie.
Lavelle Vasquez
Nice info. Got a quote with State Farm for my 2002 Honda Accord and saved about $100 a year. It’s too old for full coverage.
Justin Ewing
Lots of good stuff here. From south side of Baltimore, MD. Got free quotes online for a 2002 Honda Accord. Ended up at about $120 savings annually. Went with Progressive. Insured with Hartford before. Good savings if you bundle. It’s still not cheap enough.
Kimberlie Luna
I think 21st Century has low rates in Delaware. For me anyway.
Ayesha Colon
Hope my rates come down. I’m from Manchester, NH. Got car insurance quotes from Western Auto Insurance, AIG Insurance, Liberty Mutual, and Sentry for my Accord and I’m now saving $24 a month. Thankfully I’m not a high risk driver. It never hurts to quote around.
Andrea Leon
I think I’m paying too much. From a town just southwest of Gulfport, Mississippi. Received rates from GMAC, AAA, MetLife, and a couple others for my 2002 Honda Accord and I’m now saving $21 a month. Thankfully I have a good driving record. They were helpful in switching over. I’m thinking about dropping full coverage though.
Anderson Maynard
I live just outside Aurora, IL. Quoted a bunch of companies. Saved roughly $30 a month. Progressive was the best choice for me. I increased coverages a little too.
Dexter Duran
If you have a good history and live near Salem, OR, check out 21st Century. You might get cheaper rates. Moved home policy as well.
Ashlea Mendez
Thought I’d throw in my experience. I live on the north side of Kailua, HI. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the cheapest option for me. Left The General to switch.
Joey Miles
Just a quick comment on my experience. Live in the western part of Bangor, Maine. I got free prices from Allstate, Auto-Owners, Encompass, and Liberty Mutual for my Honda and saved just over $110 a year. Insured with State Farm before. I have kids on my policy, too. God forbid I actually have a claim.
Sol James
Does Progressive settle claims fairly?
Rosalina Olson
Affordable car insurance is a myth. From northwest of Newark, DE. Quoted a bunch of companies. Saved roughly $20 a month. Allstate was the cheapest option for me.
Sharen Stevens
Corporate greed I’m telling you. I live just outside Spokane, WA. Can’t remember who all I quoted but I ended up saving about $20 each month. Left AIG Insurance to switch. Thankfully I’m not a high risk driver.
Cornelia Garner
Here’s what I found out. Proud to be from Dover, Delaware. Quoted rates from AIG Insurance, Nationwide, and a few others for my Accord and I’m now saving $24 a month. It’s easy to compare rates online now.
Quinn Tyson
All companies are crooks. Quoted with GEICO for my 2002 Honda Accord and saved about $80 a year. Was with Travelers.
Roxane Foreman
All companies are crooks. Checking in from Baltimore, MD. Not sure of all the companies but I ended up saving about $20 each month.
Bud Terrell
Here’s my quote info. I’m just east of Denver, CO. I got free quotes from Amica, MetLife, and some smaller one I can’t remember the name of for my 2002 Honda Accord and saved $117 a year. Thankfully I’m not a high risk driver. It’s too old for full coverage.
Tiesha Noble
I got decent rates for a 2002 Honda Accord in Newark, DE. Ended up at about $100 every six months with Amica. I have several vehicles insured with them.