2014 Honda Accord Plug-In Hybrid Insurance Cost – 10 Ideas for Best Prices

Wish you could get out of an underperforming, overpriced insurance coverage policy? Trust us when we tell you many drivers feel the same as you. Insurance companies such as State Farm, Progressive and Geico increase brand awareness with advertising and it is challenging if not impossible to sift through the bull and find the best price available.

You should make it a habit to shop coverage around at least once a year since insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rate for Accord Plug-In Hybrid coverage on your last policy you will most likely find a better price today. Block out anything you think you know about insurance coverage because I’m going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Don’t overlook these ten insurance coverage discounts

Insurance coverage can be pricey, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be inquired about before you will receive the discount.

  • Online Discount – Many insurance coverage companies give back up to $50 shop insurance on your computer.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driver techniques may get you a small discount if your company offers it.
  • Lower Rates for Military – Having an actively deployed family member could mean lower insurance coverage rates.
  • Low Mileage – Driving less could earn lower rates on the low mileage vehicles.
  • Theft Prevention System – Cars and trucks with anti-theft systems can help prevent theft and will save you 10% or more.
  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give a small discount if you purchase some life insurance too.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could save up to 20% off your total premium.
  • Air Bag Discount – Factory air bags can get savings of 25 to 30%.
  • Buy New and Save – Buying a new car model can cost up to 25% less because new vehicles are generally safer.

As is typical with insurance, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

To find companies who offer online insurance coverage quotes, click here.

Where can I get low cost auto insurance?

There are several ways to compare auto insurance prices but there is one way that is more efficient than others. You could waste time talking to agents in your area, or you could use online quotes to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and each company then returns a price quote determined by their information. This system prevents you from having to do quote requests for every auto insurance company. To find out how much you’re overpaying now click here to start a free quote.

The one downside to comparing rates this way is buyers cannot specifically choose the providers to get quotes from. So if you want to select specific providers to compare rates, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing nearly identical coverages and limits on every price quote you get. If you are comparing mixed coverages it will be nearly impossible to determine which company has the best rates.

When to get professional advice

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine if you could use an agent’s help.

  • When should I drop full coverage on my 2014 Honda Accord Plug-In Hybrid?
  • Do I benefit by insuring my home with the same company?
  • Do I need more liability coverage?
  • What if I total my 2014 Honda Accord Plug-In Hybrid and owe more than it’s worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much liability coverage do I need in my state?
  • Does my car insurance cover rental cars?
  • What is an SR-22 filing?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a bird, damage from a tornado or hurricane and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Honda Accord Plug-In Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for chiropractic care, X-ray expenses, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision insurance

Collision insurance will pay to fix damage to your Accord Plug-In Hybrid caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as attorney fees, medical services, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Quote often and quote early

Low-cost 2014 Honda Accord Plug-In Hybrid insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have online price quotes and usually these regional insurance providers only sell coverage through independent agents.

We’ve covered many tips how you can compare 2014 Honda Accord Plug-In Hybrid insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. They can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Additional insurance information can be found on the following sites:

Comments About 2014 Honda Accord Plug-In Hybrid Insurance

  1. Logan Dunn

    Well-written and thought out article. Checking in from Warwick, RI. Quoted prices online for a 2014 Honda Accord Plug-In Hybrid. Ended up at about $140 savings annually. Went with State Farm. Was with GMAC. It was easy to get rates.

  2. Tenisha Mcgowan

    I found cheap 2014 Honda Accord Plug-In Hybrid insurance in Cleveland, OH with State Farm.

  3. Jaquelyn Washington

    Does GEICO insure after a DUI?

  4. Mazie Bridges

    Good detail in your article. I live just outside Owensboro, KY. I quoted with State Farm, American Family, and Farmers for my 2014 Honda Accord Plug-In Hybrid and saved just over $530 a year. Insured with GEICO before.

  5. Mellisa Lindsey

    I drive uninsured.

  6. Santiago Bray

    Great info, thanks for posting. Proud to be from Charleston, West Virginia. Quoted with Sentry, Farmers, Allstate, and American Family for my Accord Plug-In Hybrid and I think I saved around $40 each month. Got better coverage too. :)

  7. Karena Baker

    Here’s my quote info. I live just outside Philadelphia, PA. Quoted prices online for a 2014 Honda Accord Plug-In Hybrid. Ended up at about $350 savings annually. Went with Allstate. I get lower rates because of my clean driving record. I got prices on the web.