2015 Honda Accord Hybrid Car Insurance Cost – 10 Ideas for Cheaper Prices

Searching for the cheapest car insurance rates for your Honda Accord Hybrid? Locating the cheapest insurance for a Honda Accord Hybrid can normally be difficult, but you can use the following methods and make it easy.

There is a better way to shop for car insurance so you’re going to learn the best way to price shop coverage on a Honda and get the lowest possible price from local insurance agents and online providers.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding affordable coverage is quite easy. Vehicle owners just need to know the most efficient way to shop their coverage around online.

Get lower rates with these ten insurance discounts

Insurance can cost an arm and a leg, but you may qualify for discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but a few need to be specifically requested in order for you to get them.

• No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
• Multiple Vehicles – Buying coverage for more than one vehicle on the same insurance policy can get a discount on all vehicles.
• Club Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums when getting a car insurance quote.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the PIP or medical payment premium.
• Distant Student – Older children who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
• Employee of Federal Government – Active or retired federal employment can save as much as 8% for Accord Hybrid coverage with certain companies.
• Online Discount – Certain insurance companies will discount your bill up to fifty bucks for buying your policy online.
• Own a Home and Save – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
• Policy Bundle Discount – If you have multiple policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.
• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so you can save 10 percent or more.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and their offered discounts are detailed below.

• Farmers Insurance has savings for distant student, switch companies, business and professional, homeowner, mature driver, and bundle discounts.
• State Farm may offer discounts for good driver, multiple autos, multiple policy, Drive Safe & Save, accident-free, safe vehicle, and student away at school.
• Liberty Mutual offers premium reductions for newly married, multi-policy, safety features, multi-car, and good student.
• MetLife may have discounts that include multi-policy, accident-free, good student, defensive driver, and good driver.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, multi-policy, online signing, online quote discount, and continuous coverage.

When getting a coverage quote, ask every insurance company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. To find insurance companies that offer some of these discounts, click this link.

How to shop car insurance online

Shopping for lower car insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You can waste hours discussing policy coverages with agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to each individual car insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose the insurers to receive prices from. If you wish to select specific providers to compare, we put together a list of car insurance companies in your area. Click here to view list.

Compare rates however you want, just ensure you are comparing the exact same coverage data for each comparison quote. If you use higher or lower deductibles it will be next to impossible to make an equal comparison.

Insurance coverage can get complicated

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

• What is an SR-22 filing?
• Is my ex-spouse still covered by my policy?
• Should I put collision coverage on all my vehicles?
• Is my teenager covered with friends in the car?
• Does insurance cover tools stolen from my truck?
• Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

This covers damage to your Accord Hybrid resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, backing into a parked car, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

This coverage protects you from injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like hospital visits, EMT expenses, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Final thoughts

You just learned quite a bit of information on how to get a better price on 2015 Honda Accord Hybrid insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with some of the lesser-known companies.

Budget-friendly car insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get quotes online and many times these regional insurance providers provide coverage only through independent agencies.

When you buy car insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

More information is available at these links:

• Booster Seat Ratings (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Determing Auto Insurance Rates (Geico)