Compare 2012 Honda Accord Car Insurance Quotes

Want better insurance coverage rates for your Honda Accord? Expensive insurance coverage can overdraw your monthly budget and put a big crunch on your finances. Comparing rate quotes is free and is an excellent way to make sure you’re not throwing money away.

Many insurers vie for your hard-earned dollar, so it can be very hard to choose a insurance company to find the absolute best rate

It’s a good idea to compare rates as often as possible because insurance prices go up and down regularly. If you had the lowest quotes on Accord coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to show you the quickest way to find lower rates on insurance coverage.

If you have a current car insurance policy or need new coverage, you can use these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to know the most effective way to compare rates on the web.

Discounts to earn cheaper car insurance rates

Car insurance companies do not advertise every discount in a way that’s easy to find, so the list below contains both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

  • Full Payment Discount – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the medical payments premium.
  • Driver Safety – Taking time to complete a driver safety course may get you a small discount depending on where you live.
  • Senior Citizens – Mature drivers may qualify for better car insurance rates on Accord coverage.
  • Multi-line Discount – Some car insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • College Student – Older children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with one insurance company you could get a discount of as much as 10 to 15 percent.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

Larger car insurance companies and their possible discounts can be read below.

  • State Farm offers discounts including anti-theft, Drive Safe & Save, student away at school, good student, multiple autos, and good driver.
  • Geico offers discounts for multi-vehicle, good student, federal employee, anti-theft, daytime running lights, and emergency military deployment.
  • SAFECO may include discounts for drive less, safe driver, teen safe driver, bundle discounts, homeowner, and anti-lock brakes.
  • Farmers Insurance has savings for pay in full, early shopping, good student, business and professional, bundle discounts, and multi-car.
  • AAA discounts include anti-theft, good student, pay-in-full, multi-policy, education and occupation, and good driver.
  • USAA has discounts for safe driver, military installation, family discount, multi-policy, and multi-vehicle.

When comparing rates, check with every insurance company how many discounts you can get. Discounts might not be available to policyholders in your state. To find providers who offer car insurance discounts, follow this link.

Cheapest auto insurance quotes

All major auto insurance companies allow consumers to get insurance quotes on their websites. Comparing prices online is quite simple as you simply type in as requested by the quote form. Upon sending the form, the system collects credit information and your driving record and generates pricing information. Online quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step in order to find the best price on auto insurance.

The quickest way to lower your rates uses one simple form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons a little more enjoyable. As soon as you send your information, it is quoted and you can choose any of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

To save time and use this form to compare rates, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you type in the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for similar coverage.

Lower the price of insurance coverage with these tips

Multiple criteria are used when quoting car insurance. Some factors are common sense such as your driving history, although others are less apparent like your continuous coverage and annual miles driven.Smart consumers have a good feel for a few of the rating criteria that help determine the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower insurance coverage prices.

  • Premiums are affected by your credit rating – An insured’s credit score will be a significant factor in determining premium rates. Insureds that have excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit. So if your credit history can use some improvement, you could be paying less to insure your 2012 Honda Accord by improving your credit score.
  • Careless driving leads to higher prices – Being a careful driver impacts premiums far more than you think. Drivers with clean records pay less for auto insurance than their less careful counterparts. Getting just one ticket can increase the cost of insurance substantially. Drivers who have gotten license-revoking tickets like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • High comp and collision deductibles reduce rates – Protection for physical damage, aka comp and collision, protects your Honda from damage. Some coverage claims are running into the backend of another car, damage from fire, and having your car stolen. Comp and collision deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the lower your rates will be on Accord coverage.
  • Limits of liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • With age comes responsibility – Older people are shown to be more cautious, tend to file fewer claims , and usually have better credit.Beginning drivers tend to be easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Do you work long hours in a demanding employer? – Occupations like real estate brokersair traffic controllers and miners usually pay higher average rates because of stressful work requirements and extremely grueling work hours. Other occupations such as scientists, students and homemakers get better rates on Accord coverage.
  • Men are more aggressive – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women have auto accidents in similar numbers, but men tend to have higher claims. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
  • Pay more if you have a long commute – Being located in a small town may provide you with better prices when buying insurance coverage. Residents of big cities have to deal with more auto accidents and more severe claims. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your situation will benefit from professional help.

  • Are rock chip repairs covered?
  • Am I covered if I break a side mirror?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I wreck a rental car?
  • Do I need roadside assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Information about specific coverages

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2012 Honda Accord.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

This coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

You just read a lot of techniques to save on 2012 Honda Accord insurance. The key concept to understand is the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the lowest prices come from a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Cheaper car insurance can be bought from both online companies and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who don’t offer online quoting and most of the time these smaller providers work with independent agents.

When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. Too many times, someone dropped liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

More detailed car insurance information can be found in the articles below:

Comments About 2012 Honda Accord Insurance

  1. Aleta Johns

    Good site, thanks. Live in Omaha, NE. Quoted prices online for a 2012 Honda Accord. Ended up at about $150 savings annually. Went with State Farm. You can get a rate quote online.

  2. Roosevelt Marsh

    All companies are crooks. From Manchester, NH. Got free quotes online for a 2012 Honda Accord. Ended up at about $410 savings annually. Went with Progressive. They offer free online rate quotes.

  3. Damien Petty

    What does medical payments cover?

  4. Shalanda Harrison

    Does GEICO have good claim service?

  5. Minna Mendoza

    Quoted with GMAC for my Accord and cut my rates about $350 a year. They offer free online rate quotes.

  6. Danna Coleman

    I’ve bought from State Farm forever. Cheapest rates in Norman, OK.

  7. Madie Knight

    It all costs too much. Checking in from Nampa, ID. I compared lots of rates. Saved darn near $70 a month. Progressive was the most affordable for me. Teenage drivers are expensive! Get lots of quotes to find the best rate.

  8. Corey English

    Lifelong resident of Memphis, TN. Got rates from American Family, Nationwide, and Travelers for my 2012 Honda Accord and saved just over $160 a year. Left AAA to switch. Hardly afford to drive anymore.

  9. Vena Chandler

    IT’S ALL TOO EXPENSIVE! Found cheapest coverage with Auto-Owners for my Accord and saved about $260 a year. I think they have home insurance too. They were helpful in switching over.