Cheaper 2013 Honda Accord Insurance Quotes

Searching for better insurance prices for your Honda Accord could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Honda and find the best price possible from local insurance agents and online providers.

It’s smart to do rate comparisons quite often because rates are rarely the same from one policy term to another. If you had the lowest price for Accord insurance two years ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance because I’m going to teach you the fastest way to remove unneeded coverages and save money.

Locating affordable protection is not that difficult. If you have a current car insurance policy or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers just need to learn the tricks to shop for car insurance online.

Discounts to lower Honda Accord insurance rates

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some must be inquired about before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Accord insurance than drivers with accidents.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Own a Home – Owning a house may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck. But any discount will help reduce the amount you have to pay.

To see a list of providers with the best car insurance discounts, click this link.

Honda Accord rates are in the details

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Frequent insurance claims increase rates – Auto insurance companies award better rates to people who are claim-free. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Rural vs Urban Areas – Residing in less populated areas has it’s advantages when insuring your vehicles. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. City drivers regularly have congested traffic and a longer drive to work. Higher commute times translates into higher accident risk.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as doctors, social workers and financial analysts tend to pay higher average rates due to job stress and long work hours. Conversely, occupations such as farmers, engineers and homemakers have the lowest average rates for Accord insurance.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Honda Accord earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Mature drivers pay less – More mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible when driving therefore insurance rates are much higher.
  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates than bad drivers. Just one ticket can bump up the cost forty percent or more. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Accord insurance.
  • Bundling policies can get discounts – The majority of insurance companies will award you with lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by buying insurance from a different company.

Tailor your coverage to you

When buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Does insurance cover tools stolen from my truck?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I required to get a high-risk car insurance policy?
  • Does my car insurance cover rental cars?
  • I have good health insurance, so how much medical payments coverage do I need?
  • At what point should I drop full coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, prosthetic devices, chiropractic care, nursing services and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision coverage covers damage to your Accord resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, driving through your garage door, sustaining damage from a pot hole, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, funeral expenses, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists 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 carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Online plus local equals savings

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut full coverage only to regret that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Cost effective 2013 Honda Accord insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We’ve covered many ideas to get a better price on insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from a small mutual company.

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