View 2010 Honda Accord Insurance Quotes

Purchasing cheap auto insurance on the internet might seem somewhat intimidating for consumers who are beginners to quoting and comparing and buying auto insurance on the web. Since there are so many companies in the marketplace, how are we expected to possibly compare every auto insurance company to find cheaper auto insurance rates?

Smart consumers take time to compare premium rates every six months because insurance rates tend to go up over time. Just because you had the best deal on Accord coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest and easiest way to find lower rates on auto insurance.

Finding affordable coverage is easy if you know what you’re doing. Basically, every vehicle owner who is shopping for insurance will most likely be able to reduce their rates. Nevertheless, car owners can benefit by having an understanding of how insurance companies market on the web and use this information to your advantage.

Lower your insurance prices

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other factors are less apparent such as whether you are married or how financially stable you are.Consumers need to have an understanding of a few of the rating criteria that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that could help you find lower car insurance prices.

The list below includes just a few of the factors utilized by car insurance companies to help set rates.

• Your address can push rates up or down – Having an address in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Less people translates into fewer accidents in addition to fewer liability claims. People who live in big cities have to deal with more traffic problems and longer commutes to work. The longer drive time means a statistically higher chance of an accident.
• Alarms and GPS tracking lower rates – Owning a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
• Low credit history equals high premiums – Having a bad credit score can be a huge factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your 2010 Honda Accord if you improve your credit rating. Drivers with high credit scores tend to be more responsible than drivers with lower credit scores.
• Your occupation is a factor – Do you have a high-stress occupation? Careers such as real estate brokers, social workers and dentists tend to have higher premiums than the average policyholder attributed to stressful work requirements and incredibly demanding work hours. On the flip side, professions such as actors, engineers and retirees receive lower rates on Accord coverage.
• Tickets mean higher costs – Your driving citation history impacts your car insurance rates tremendously. Attentive drivers pay less for auto insurance than bad drivers. Even a single speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers who have received multiple citations such as DUI or willful reckless driving might be required by their state to submit a SR-22 form with their state’s licensing department in order to continue driving.
• Better car insurance rates for continuous car insurance coverage – Having an insurance coverage lapse is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
• Youthful drivers pay more – Mature drivers are more responsible, cost insurance companies less in claims , and usually have better credit.Youthful drivers have a tendency to be more careless behind the wheel and because of this, their car insurance rates are much higher.
• Physical damage deductibles are a factor – Your deductibles state the amount of money you are willing to pay before your car insurance pays a claim. Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered would be colliding with a stationary object, damage from fire, and damage caused by road hazards. The more you are required to pay out-of-pocket, the bigger discount you will receive on Accord coverage.

How to find the cheapest auto insurance

Shopping for lower auto insurance rates can be challenging if you don’t understand the most efficient way. You could waste time talking to agents in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies take part in a program that enables customers to complete one form, and each participating company provides a quote determined by their information. This system prevents you from having to do quotation requests to each company.

To use this form to compare rates click here to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose which carriers you want pricing from. So if you want to choose specific providers to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing nearly identical coverages for every quote you compare. If you compare different coverage information you will not be able to make an equal comparison. Having just a slight variation in limits can make a big difference in price. And when quoting auto insurance, remember that making a lot of price comparisons will increase your chances of finding the best offered rates.

The largest companies are not always cheapest

Respected companies like State Farm, Geico and Progressive endlessly run ads on TV and radio. They all seem to make the point that drivers can save some big amount if you change to them. How does every insurance coverage company charge less that you’re paying now?

Insurance coverage companies have underwriting criteria for a prospective insured that earns them a profit. For instance, this type of risk profile might be described as between 30 and 50, owns a home, and drives newer vehicles. Anyone who fits that profile will probably get the lowest prices and will save when switching.

Potential insureds who cannot meet this stringent profile will be charged higher prices and the prospect going elsewhere. The ad wording is “customers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can make claims like that. This emphasizes why you need to do a rate comparison at every renewal. It’s impossible to know which company will fit your personal profile best.

Lower rate quotes with these car insurance discounts

Companies that sell car insurance don’t list their entire list of discounts in a way that’s easy to find, so here is a list some of the best known as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

• Own a Home – Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.
• First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Discount for New Cars – Adding a new car to your policy is cheaper because newer models have to meet stringent safety requirements.
• Driver’s Ed – Require your teen driver to participate in a local driver’s education class in high school.
• Switch and Save Discount – Some insurance companies reward drivers for switching policies prior to the expiration date on your current policy. You can save around 10% with this discount.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will bring down your policy premium.

A partial list of companies that may offer policyholders these discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

Before you buy a policy, ask all companies you are considering which discounts you qualify for. Some credits might not be available to policyholders everywhere. If you would like to view car insurance companies with discount car insurance rates, click here.

Auto insurance can get complicated

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you will benefit from professional help.

• Am I covered if I hit a deer?
• When do I need to add a new car to my policy?
• What is no-fault insurance?
• When can I cancel my policy?
• What if I owe more than I can insure my car for?
• Are split liability limits better than a combined single limit?
• Am I covered if hit by an uninsured driver?
• Does coverage extend to a rental car in a foreign country?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, legal defense fees, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for rehabilitation expenses, nursing services, pain medications and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, fire damage, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision protection

This coverage pays for damage to your Accord resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, sideswiping another vehicle, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

In any little way, save everyday

More affordable auto insurance is attainable on the web in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer price quotes online and usually these small insurance companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

Drivers change insurance companies for a variety of reasons including denial of a claim, not issuing a premium refund, extreme rates for teen drivers or poor customer service. Whatever your reason, switching auto insurance companies is actually quite simple.

Additional information can be found at these links:

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has the Cheapest Jacksonville Car Insurance Quotes for a Honda Accord? (JacksonvilleCoverage.com)
• Auto Insurance 101 (About.com)
• Comprehensive Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)