2013 Honda Accord Insurance Quotes – 5 Tips for Best Rates

Looking for better car insurance rates for your Honda Accord? Searching for cheap car insurance on the web can seem to be impossible for consumers who are beginners to quoting and comparing rates on the web. With so many companies in the marketplace, how are we expected to effectively compare every company in order to find better prices?

If you have car insurance now, you should be able to cut costs considerably using this strategy. This article will familiarize you with how to effectively get price quotes. But car owners must understand the way companies compete online because it can help you find the best coverage.

How to compare insurance coverage quotes

To get affordable insurance coverage quotes, there a variety of ways to compare rate quotes from lots of insurance coverage companies. The quickest method to find competitive 2013 Honda Accord insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing a different quote for every insurance coverage company. Taking the time to complete one form gets insurance cost estimates from several companies. Recommended for those who want to invest the least amount of time.
2. Another way to find more affordable insurance requires a visit to each company website to complete a price quote. For instance, let’s assume you want to view quotes from USAA, Farmers and Geico. In order to get each rate, you would have to go to each individual site to input your insurance information, which can get rather old. For a list of links to companies insuring cars in your area, click here.
3. The old school method to price shop rates to and from local insurance agencies. The fact that you can get quotes online eliminates this option unless you prefer the peace of mind only provided by licensed agents. Some companies do allow you to get the lowest quotes online but buy from a local insurance agent.

Whichever way you choose to compare rates, be sure you’re using equivalent information for every company. If you enter different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates. Having just a slight variation in coverage limits can make a big difference in price. And when comparison shopping, making a lot of price comparisons will enable you to find more affordable rates.

Earn discounts to get lower-cost car insurance rates

Car insurance is not inexpensive, but discounts can save money and there are some available that could help you make your next renewal payment. Certain discounts will be applied when you get a quote, but once in a while a discount must be inquired about in order for you to get them.

• Paperless Signup – Some of the larger companies will give you a small discount get insurance coverage over the internet.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
• Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
• Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates on Accord coverage.
• Low Miles Discount – Driving fewer miles may enable drivers to earn lower car insurancerates on the low mileage vehicles.

Drivers should understand that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts include:

• Progressive offers discounts including homeowner, multi-vehicle, online quote discount, continuous coverage, good student, and online signing.
• Farmers Insurance may have discounts that include mature driver, pay in full, homeowner, distant student, electronic funds transfer, youthful driver, and teen driver.
• Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, renewal discount, multi-policy, and multi-vehicle.
• State Farm may offer discounts for defensive driving training, multiple policy, driver’s education, Drive Safe & Save, Steer Clear safe driver discount, and safe vehicle.
• Geico has savings for five-year accident-free, driver training, membership and employees, federal employee, air bags, military active duty, and seat belt use.
• SAFECO offers discounts for accident prevention training, homeowner, drive less, bundle discounts, and teen safety rewards.
• Liberty Mutual includes discounts for newly retired, hybrid vehicle, teen driver discount, newly married, good student, safety features, and new move discount.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. To see insurance companies with the best car insurance discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine if you might need an agent’s assistance.

• When should I buy a commercial auto policy?
• Do I have coverage when making deliveries for my home business?
• When can I cancel my policy?
• How high should my uninsured/underinsured coverage be in my state?
• Does liability extend to a camper or trailer?
• When can my company non-renew my policy?
• Am I covered if I hit a deer?
• Am I covered if I crash into my own garage door?
• Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Having a good grasp of a car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like EMT expenses, chiropractic care, surgery and funeral costs. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This covers damage to your Accord caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t 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 liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.