Cheap 2009 Honda Accord Insurance Quotes

Searching for cheaper car insurance rates for your Honda Accord? Comparing insurance coverage quotes online may seem to be difficult if you are a beginner to rate quotes online. Don’t let that stop you because finding affordable coverage online is easier than you think.

Informed consumers know how to get car insurance for less

Smart consumers have a good feel for the rating factors that help determine the price you pay for car insurance. When you understand what controls the rates you pay, this allows you to make good choices that may reward you with much lower annual insurance costs. Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or how financially stable you are.

• Insure your auto and home with one company – The majority of car insurance companies will award discounts to customers that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to compare other company rates to help guarantee you have the best rates. It’s possible to still save money by buying car insurance from a different company.
• With age comes responsibility – Drivers with little experience tend to be inattentive when driving so car insurance rates are higher. Adding a beginning driver onto your car insurance can increase premiums substantially. Older people tend to be more responsible, tend to cause fewer accidents .
• Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance is the protection if you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense which can cost a lot. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Save money with higher comp and collision deductibles – Physical damage deductibles define how much you are willing to pay before a claim is paid by your company. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims could be colliding with a stationary object, hail damage, or theft of your vehicle. The more money you choose to pay out-of-pocket, the better rate you will receive on Accord insurance.
• If you don’t need it don’t buy it – There are many additional extra coverages that can waste your money on your 2009 Accord policy. Insurance for coverage for rental cars, accident forgiveness, and extra life insurance coverage may be costing you every month. These may sound like a good investment when talking to your agent, but if you have no use for them get rid of them and save.
• Vehicle features that cut premiums – Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.

Don’t miss these discounts

Some companies don’t always list all their discounts very well, so we researched some of the more common and also the more inconspicuous credits available to you. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

• ABS Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
• Accident Waiver – Not necessarily a discount, but some companies like Allstate and Geico will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear prior to the accident.
• Multi-Vehicle Discounts – Insuring multiple vehicles on a single policy can get a discount on all vehicles.
• Bundle and Save – If you insure your home and vehicles with one company you may earn over 10 percent off each policy depending on the company.
• Data Collection Discounts – Insureds who allow their company to monitor when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Early Renewal Discounts – A few companies offer discounts for signing up before your current expiration date. This discount can save up to 10%.
• Defensive Driver Discounts – Taking part in a course in defensive driver could possibly earn you a 5% discount if you qualify.
• Student Discount for Driver Training – Have your child participate in a local driver’s education class if offered at their school.
• Online Discount – A handful of insurance companies will provide an incentive shop insurance coverage on the web.

You can save money using discounts, but some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

Large insurance companies and the discounts they provide are:

• State Farm has discounts for multiple policy, safe vehicle, student away at school, multiple autos, accident-free, and good driver.
• Geico may have discounts that include membership and employees, multi-vehicle, emergency military deployment, defensive driver, and anti-lock brakes.
• Progressive offers discounts including online signing, multi-vehicle, good student, multi-policy, continuous coverage, homeowner, and online quote discount.
• 21st Century policyholders can earn discounts including early bird, homeowners, anti-lock brakes, good student, defensive driver, and student driver.
• American Family has savings for defensive driver, mySafetyValet, multi-vehicle, early bird, and Steer into Savings.
• The Hartford may offer discounts for anti-theft, good student, vehicle fuel type, defensive driver, and bundle.
• AAA discounts include education and occupation, pay-in-full, good student, multi-policy, good driver, multi-car, and anti-theft.

Before buying, ask every company which credits you are entitled to. Depending on the company, some discounts may not be offered everywhere.

Special considerations

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight if your situation will benefit from professional help.

• What is no-fault insurance?
• Should I have a commercial auto policy?
• Can I afford to pay high deductible claims out of pocket?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I sign the liability waiver when renting a car?
• How do I insure my teen driver?
• How much liability coverage do I need in my state?
• Where can I find DUI or SR-22 insurance?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance policy coverages for a Honda Accord

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hitting a deer and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage 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 important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, surgery, dental work and rehabilitation expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage – This coverage covers damage to your Accord from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, crashing into a ditch, crashing into a building, backing into a parked car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

In conclusion

Some companies may not offer rates over the internet and many times these small, regional companies sell through local independent agents. Budget-conscious 2009 Honda Accord insurance is attainable online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter what your reason, finding the right car insurance provider can be pretty painless.

We just covered quite a bit of information on how to get a better price on 2009 Honda Accord insurance. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Much more information about car insurance is located at the links below

• Event Data Recorders FAQ (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)