Quick Guide to Buying Coverage Online for a Honda Accord

Paying for high-priced car insurance for your Honda Accord can empty your checking account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to help make coverage more affordable on a budget.

Multiple insurance companies compete for your business, so it can be very hard to choose a company to discover the definitive lowest rate possible.

Factors that might impact rates for a Honda Accord

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate premiums.

Your spouse saves you money – Having a wife or husband can get you a discount on car insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as judges, social workers and accountants have higher rates than average in part from stressful work requirements and long work days. On the flip side, jobs such as pilots, athletes and performers get better rates.
Mature drivers pay less – More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be careless and easily distracted when driving therefore car insurance rates are much higher.
Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you. If your Honda has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

Car Insurance Quote Comparison

When shopping for car insurance there are multiple ways to compare rates from local car insurance companies. One of the best ways to find the lowest Honda Accord rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for each company you want a rate for. Just one form gets rate comparisons from multiple low-cost companies.
A more time consuming way to compare rate quotes is going to each company’s website and request a quote. For examples sake, we’ll pretend you want to compare Farmers, State Farm and Progressive. To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.For a handy list of car insurance company links in your area, click here.
The hardest way to get comparison rates is to spend your day driving to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the personal advice that only a license agent can provide. It is possible to compare online quotes and get advice from an agent in your area and you’ll learn how to do that later.

Whichever way you use, make sure you use the exact same information for each comparison quote. If you compare higher or lower deductibles it’s impossible to determine the lowest rate for your Honda Accord. Slightly different insurance coverages may cause a big price difference. And when quoting car insurance, remember that getting more free quotes helps you find the best price.

Lots of discounts mean lots of savings

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

Own a Home – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Seat Belt Useage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

What happened to insurance agents?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. One of the best bonuses of getting online price quotes is that you can obtain the best rates but still work with a licensed agent.

Once you complete this quick form, your insurance coverage information is transmitted to agents in your area who will give you bids to get your business. You won’t need to even leave your home because quoted prices will be sent straight to your inbox. Now that’s easy! You can find better rates AND a local agent.

If you want to view a list of agents in your state to contact, click here.

Situations that might require an agent

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs will benefit from professional help.

Does my insurance cover a custom paint job?
Why does it cost so much to insure a teen driver in your state?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else’s vehicle?
Are there companies who specialize in insuring high-risk drivers?
Should I buy additional glass protection?
Do I need roadside assistance coverage?
Am I covered when delivering products for my home-based business?
Should I rate my Honda Accord as pleasure use or commute?
Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Compare but don’t skimp

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

You just learned a lot of techniques to lower your rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.