2014 Honda Accord Hybrid Insurance Quotes

Consumers have options when looking for the best price on Honda Accord Hybrid insurance. They can either waste time driving around to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the absolute fastest way to quote coverages for a Honda and get the best price possible.

If you are insured now or are looking for a new policy, you can use these tips to reduce the price you pay while maximizing coverage. This article will familiarize you with the most effective way to quote insurance and some tricks to saving. Drivers just need to know the proper methods to get comparison quotes over the internet.

Quote auto insurance online

There are a variety of methods you can shop for auto insurance but one way is less time-consuming than others. You could waste time driving to agents in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies belong to a marketplace where insurance shoppers submit one quote, and at least one company then gives them pricing based on that information. This eliminates the need for quote forms to every company.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is you are unable to specify which insurance companies to get pricing from. If you wish to select from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just compare the exact same coverage information for each price quote. If the quotes have different data then you won’t be able to determine which company has the best rates.

Is there deception in advertising?

Consumers can’t avoid all the ads that promise big savings for switching by Allstate and Progressive. They all seem to tend to make the same promise of big savings just by moving your policy.

But how can every company charge less that you’re paying now? It’s all in the words they use.

Most companies provide the lowest rates for the right customer that will add to their bottom line. For instance, a driver they prefer may be a married male, has no tickets, and drives less than 5,000 miles a year. Any driver that meets those criteria receives the best auto insurance rates and is almost guaranteed to save a lot of money.

Drivers who are not a match for those standards will be quoted a more expensive rate which results in the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make those statements. Because each company has a different risk profile, drivers must compare rate quotes every year. Because you never know the company that will have the best premium rates at this point in time.

The Honda Accord Hybrid insurance rate equation

Consumers need to have an understanding of the different types of things that come into play when calculating your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find big savings.

The items below are some of the most rate-impacting factors car insurance companies consider when setting your rate level.

• Car and home together may be cheaper – Lots of insurers provide a discount to clients that buy multiple policies. It’s known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to compare other company rates to confirm you are receiving the best rates possible.There is a chance you can find lower rates by insuring with multiple companies.
• Always have car insurance – Having a lapse in insurance coverage is a quick way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance could result in a license revocation or jail time.
• Annual mileage impacts rates – The more you drive each year the higher the price you pay to insure it. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos that do not get driven very much get more affordable rates than vehicles that are driven to work every day. Double check that your car insurance policy correctly shows the correct usage for each vehicle. An incorrectly rated Accord Hybrid may be costing you.
• Employer reflects on car insurance rates – Careers such as military generals, architects and miners generally have higher rates than average attributed to high stress levels and incredibly demanding work hours. On the other hand, careers like professors, historians and performers pay lower than average rates for Accord Hybrid coverage.
• Your age impacts your premiums – Mature drivers have been proven to be more responsible, tend to cause fewer accidents and receive fewer citations.Inexperience drivers are known to get distracted easily behind the wheel so they pay higher car insurance rates.

Get lower rates with these car insurance discounts

Some providers don’t always advertise every possible discount in an easy-to-find place, so the below list has some of the best known as well as some of the hidden ways to save on car insurance.

• Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off for Accord Hybrid coverage with select insurance companies.
• Senior Citizen Discount – Seniors may qualify for lower premium rates for Accord Hybrid coverage.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10% off your car insurance quote.
• Drive Safe and Save – Safe drivers can save as much as half off their rates for Accord Hybrid coverage than less cautious drivers.
• Organization Discounts – Joining qualifying employment or professional organizations is a simple method to lower premiums when getting a car insurance quote.
• Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% off the personal injury premium cost.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few companies that may offer policyholders these benefits may include but are not limited to:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

Before you buy a policy, ask all the companies how many discounts you can get. Some credits may not be available in your area. To choose companies who offer car insurance discounts, click here.

Car insurance can get complicated

When choosing the best car insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you might need professional guidance.

• I have a DUI can I still get coverage?
• Exactly who is provided coverage by my policy?
• Who is covered when they drive my 2014 Honda Accord Hybrid?
• Am I covered when pulling a rental trailer?
• Am I covered if I break a side mirror?
• I don’t drive much so do I pay less?
• Why is insurance for a teen driver so high?
• What are the financial responsibility laws in my state?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, rehabilitation expenses, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Honda Accord Hybrid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

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

Final thoughts

The cheapest 2014 Honda Accord Hybrid insurance can be bought on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from. A few companies may not offer the ability to get quotes online and many times these smaller companies sell through independent agents.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, policy cancellation, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

We just showed you a lot of information how to compare 2014 Honda Accord Hybrid insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with the least-expected company.

Additional detailed information can be read at these sites:

• Auto Insurance Learning Center (State Farm)
• Safety Belts FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)