Who Has Cheap Insurance Quotes for a Honda Accord in Montana?

When discussing car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere in the article to describe car insurance prices. Nonetheless, cheap car insurance for a Honda Accord can be difficult to find. Don’t get your dauber down, because we are going to tell you how you can still get coverage that is cheaper than what you are paying now.

Whether or not you can find the cheapest insurance for a Honda Accord in Montana relies on a lot of things such as the age of the Accord, if you have a lapse in coverage, and any prior driving offenses. Drivers pay on average $1,320 annually to buy Honda Accord insurance, but that rate is an estimation that uses rate data for a 30-year-old married male that includes both comprehensive and collision coverage and $1,000 policy deductibles.

Most likely you’re not a 30-year-old male, single instead of married, and you want different coverage limits than the example. Auto insurance is unique to each driver, so the only real way to find cheap insurance rates for your Honda is to just take the time to do a thorough rate comparison. Quotes are free and you will receive rate quotes from some of the most affordable companies around.

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Your Honda’s trim level can impact the annual cost of coverage, so the price to insure a Accord LX 4-Dr Sedan trim level will be $458 lower than the cost to insure the more expensive Accord EX-L 2-Dr Coupe trim level, as shown in the table below.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle garaging location which can influence rates greatly.

Trying to find cheap insurance is not always easy, and determining which companies offer the cheapest insurance rates for a Honda Accord will involve even more shopping around. Each insurer has a unique approach to set their prices, so let’s begin by taking a look at the insurance companies that tend to have lower prices in Montana.

Keep in mind that Montana insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Events like a birthday, buying a different vehicle, or getting into an accident can trigger rate changes that can make some companies much higher than others.

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Safeco normally has some of the most affordable car insurance rates in Montana at around $853 a year. Progressive, USAA, State Farm, and MetLife also qualify as some of the best Montana insurance companies.

As shown above, if you buy coverage from USAA and switched to Safeco, you might achieve savings of approxmiately $202. Drivers with State Farm might save as much as $216 a year, and MetLife policyholders might see rate reductions of $322 a year.

To find cheap insurance for a Honda Accord in Montana for your vehicle, click here or visit any of the low-priced companies below.

Be aware that those prices are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a Honda Accord. So the insurer that fits you best may not even be in the company chart above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.

Tickets and at-fault accidents raise rates

The best way to find cheap insurance for a Honda Accord in Montana is to drive attentively and have a clean driving record. The example below shows how speeding tickets and accidents influence insurance premiums for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of car insurance in Montana per year with no accidents or violations is $3,133. Get written up for two speeding tickets and the average cost increases to $4,219, an increase of $1,086 each year. Now add in two accidents along with the two speeding tickets and the annual cost of insurance for a Honda Accord jumps again to an average of $8,073. That’s an increase of $4,940, or $412 per month, just for not driving attentively!

Cost comparison with and without full coverage

Finding cheap insurance for a Honda Accord in Montana should be important to the majority of people, and a great way to find cheap insurance is to not buy comprehensive and collision coverage. The chart below shows the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 7785,2303],[‘Age 30’, 3991,1255],[‘Age 40’, 3971,1161],[‘Age 50’, 3601,1085],[‘Age 60’, 3485,1067],[‘Age 70’, 4231,1433]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Montana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, full coverage on your policy costs $4,511 per year over having just liability coverage. Many people question if paying for full coverage is a waste of money. There is no exact rule for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s assume your vehicle’s replacement cost is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,500 after paying your deductible. If premium cost is more than $1,050 annually to have full coverage, the it may be a good time to stop paying for full coverage.

State Farm, Progressive, Allstate, and Geico: Who is best?

When comparing insurance for an Accord in Montana, the most popular companies are State Farm, Progressive, Allstate, and Geico. When combined, they have nearly half of the car insurance market in the United States. The next table compares some of the different options and features you can buy with each company.

Best cheap Honda Accord insurance quotes

There are a variety of different ways to buy insurance in Montana, but the most preferred methods are through an exclusive insurance agency like State Farm or Liberty Mutual, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico.

They all have the same end result, but insurance buyers need to understand the differences in how they provide rate quotes.

Independent insurance agencies write business for many companies and can compare coverage rates with each one. Independent agents have the option to get prices from more than one company, which may give you the best idea of how your rates compare. If a cheaper price is found, your policy can be moved and you can remain with the same agent.

A captive or exclusive agent is able to quote prices with a single company such as a State Farm or Allstate agent. Exclusive agencies are unable to provide multiple price quotes, so unless you get quotes from other companies, you cannot determine which is cheapest.

Buying insurance direct means you skip either of the other two types of agents and instead shop direct either online or via phone. Shopping direct may be the best choice families who do not need high amounts of coverage and have a good understanding of the limitations of insurance.

Which way is best to find cheap insurance for a Honda Accord in Montana? The obvious answer would be shopping direct results in the best prices because you bypass the middleman, but that does not always hold true. It would also be easy to say going through an independent agent guarantees the best prices due to having more companies to select from, but that assumption is also not necessarily accurate. In many cases, exclusive agents have price quotes that are the cheapest in Montana.

Because there are so many factors that make up insurance rates, the guaranteed way to not overpay for insurance is to get quotes and compare. It’s a good idea to get prices from all three types to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.