Cheaper 2016 Honda Accord Insurance Cost

Searching for better auto insurance rates for your Honda Accord? Shopping for budget auto insurance on the web might seem impossible for drivers who are beginners to quoting and buying insurance on the internet. When there are so many insurers available, how can drivers have a chance to compare each option to find the cheapest price possible?

Ways to get car insurance quotes

There are several ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you could use online quotes to achieve your goal.

All the larger companies belong to an insurance system that allows shoppers to send in one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do repetitive form submissions for each company.

To compare rates now click to open in new window.

The only downside to getting quotes like this is you cannot specify which providers to receive prices from. If you wish to select specific providers to compare prices, we have a page of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using apples-to-apples deductibles and coverage limits for each comparison quote. If you have different coverage information it will be impossible to determine the lowest rate for your Honda Accord. Quoting even small variations in coverages could throw off the whole comparison. And when comparing car insurance rates, know that having more price comparisons helps increase your odds of locating the best price.

Use discounts to get cheaper car insurance quotes

Some insurance providers do not list every available discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving when you buy insurance online. If you do not check that you are getting every discount possible, you are paying more than you should be.

  • Onboard Data Collection – Policyholders that allow their company to analyze vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
  • Multiple Cars – Drivers who insure multiple cars on one policy can get a discount on all vehicles.
  • Bundled Policy Discount – If you combine your auto and home policies and place coverage with the same company you will save approximately 10% to 15%.
  • Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less since newer models are generally safer.
  • Driver Training Discounts – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to see a list of providers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Does my 2016 Honda Accord qualify for pleasure use?
  • What is an SR-22 filing?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • I have health insurance so do I need medical payments coverage?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Specifics of your car insurance policy

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, medical expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Accord caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car, driving through your garage door, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for dental work, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Accord.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comments About 2016 Honda Accord Insurance

  1. Shan Hess

    I think I’m paying too much. I’m in the south part of Hartford, CT. I quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my 2016 Honda Accord and I think I am saving around $70 each month. I get lower rates because of my clean driving record. Wish I didn’t have to insure at all.

  2. Luana Ayala

    I’m in San Antonio, TX, and 21st Century rates were affordable.

  3. Cornelia Villarreal

    I found affordable 2016 Honda Accord insurance from State Farm in Wichita, Kansas.

  4. Moises Foreman

    Live in New Haven, CT. Checked online prices for a 2016 Honda Accord. Ended up at about $240 savings annually. Went with State Farm. Thankfully I have a good driving record.

  5. Jenifer Patrick

    If you’re a decent driver and live near Portland, Oregon, check out Allstate. You might save some money. Not sure about claim service.

  6. Karol Mccray

    Here’s my quote info. I live on the south side of Philadelphia, PA. Got quotes with GMAC, AAA, Mercury, and a couple others for my Accord and cut my rates about $440 a year. Insured with The General before. I have kids on my policy, too.

  7. Lashunda Howell

    From Huntington, WV. Went online for free insurance quotes for a 2016 Honda Accord. Ended up at about $440 savings annually. Went with GEICO. They were helpful in switching over.

  8. Tommy Giles

    21st Century is decent in Tucson, Arizona.

  9. Benita Durham

    Just my two cents. From west side of Louisville, Kentucky. Quoted rates from Allstate, AAA, and Eastwood for my Honda and am saving around $310 a year. Insured with Amica before. Get lots of quotes to find the best rate.

  10. Hattie Gallagher

    I live just to the north of Hartford, CT. Got quotes from AAA, Safeco, and a few others for my Accord and I’m now saving $20 a month. Wish I didn’t have to insure at all.

  11. Eugene Terry

    Liked the article. I live on the east side of Manchester, NH. I compared lots of rates. Saved darn near $40 a month. 21st Century was the most affordable for me. I recommend comparing lots of rates.

  12. Royal Nunez

    Will Allstate give a discount for driver training?

  13. Devin Mcdowell

    Got pretty cheap 2016 Honda Accord insurance from Allstate in Paterson, New Jersey.

  14. Cynthia Bradley

    I’ve insured with Allstate for a long time. Pretty cheap in Shreveport, LA.

  15. Deirdre Jacobson

    I’m in the suburbs of Frederick, MD. Compared quite a few companies. Saved darn near $70 a month. Allstate was the cheapest option for me.