Cheap 1993 Honda Accord Insurance Rates

Searching for low-cost insurance for a Honda Accord can be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for car insurance so we’re going to tell you the quickest way to compare rates on a Honda and get the lowest price from both online companies and local agents.

How much can you save with discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but some must be asked for before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Multi-policy Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • 55 and Retired – Older drivers may qualify for reduced rates for Accord insurance.
  • Homeowners Savings – Simply owning a home may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more if your company offers it.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

Insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply in every state.

Fast and Easy Insurance Quotes

Most companies provide prices on the web. Obtaining pricing is quite easy as you simply type in your coverage preferences as detailed in the form. After you complete the form, their rating system will obtain reports for credit and driving violations and gives you a price quote based on many factors.

Online price quotes makes comparing rates easy, but the work required to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step in order to get better insurance pricing.

There is an easier way!

The preferred way to find lower prices requires only one form that gets price quotes from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick any of the quotes that you receive.

If a lower price is quoted, you simply finish the application and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you replicate deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will have rate comparison quotes using the exact same coverages.

Lesser-known factors impacting Honda Accord insurance rates

Consumers need to have an understanding of the factors that play a part in calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in big savings.

  • Older drivers save more – Teen drivers are statistically proven to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Your job and insurance rates – Careers like judges, executives and financial analysts have higher average rates because of job stress and lengthy work days. Conversely, jobs such as farmers, engineers and the unemployed get better rates for Accord insurance.
  • Never go without insurance – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • One company can mean more discounts – The majority of insurance companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Extra coverages can waste money – There are many add-on coverages that you can get tricked into buying on your 1993 Accord policy. Coverages for personal injury protection, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.

How much car insurance do I need?

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might point out if your situation might need professional guidance.

  • What exactly is covered by my policy?
  • How do I buy GAP insurance?
  • Should I rate my 1993 Honda Accord as pleasure use or commute?
  • Do I need PIP coverage since I have good health insurance?
  • Can my teen drive my company car?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, legal defense fees, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses such as funeral costs, dental work and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision – Collision insurance covers damage to your Accord caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with a tree, hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, vandalism, a tree branch falling on your vehicle and falling objects. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More effort can pay off

We just presented many ideas to compare 1993 Honda Accord insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the most savings is with a small local company.

Cheap insurance is definitely available from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, poor customer service or even lack of trust in their agent. No matter why you want to switch, finding the right insurance provider can be easy and end up saving you some money.

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