Best Cheap Insurance for a Honda Accord in Kansas

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used as a descriptor for car insurance rates. Unfortunately, cheap auto insurance for a Honda Accord may be a thing of the past. But don’t despair, because we will tell you how you can get coverage that most people can afford.

Your ability to find cheap coverage for a Honda Accord in Kansas depends upon a lot of rating factors like whether you are male or female, if you have a coverage lapse, and citations or violations on your driving record. Kansas drivers pay on average $850 per year to buy insurance for a Honda Accord, but that amount is an estimate based on rates for a 40-year-old single male who purchased full comprehensive and collision coverage and $500 deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 40 years old or even a male, possibly married instead of single, and maybe your credit level is not the same as what was rated. This illustrates why the best way to find cheap auto insurance rates for your Honda is to make a habit of comparing prices at least once a year. It takes less than five minutes and you will receive rate quotes from the cheapest companies in Kansas.

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The trim level of your Accord will likely have an effect on price, so the rate you will pay to insure a Accord LX 4-Dr Sedan model will be $304 less than the insurance cost for the fancier Accord EX-L 2-Dr Coupe version, as shown in the chart below.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in specific garaging location which can decrease or increase price quotes significantly.

Comparing quotes for cheap car insurance is difficult, and determining which companies quote the cheapest auto insurance rates for a Honda Accord will require even more shopping around. Every auto insurer uses a slightly different approach to set their prices, so first we will examine the lowest cost auto insurance companies in Kansas.

Keep in mind that Kansas auto insurance rates are influenced by many factors which can substantially change the price of your policy. This price fluctuation is why it is so important to shop around when trying to find affordable insurance rates for a Honda Accord. Rates are made up of many things and can increase or decrease at any time, so the best price when you last compared rates may now be priced much higher than other options.

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USAA offers some of the best car insurance rates in Kansas at around $773 each year. The Hartford, Auto-Owners, Travelers, and Allied also are some of the cheaper Kansas insurance companies.

As shown in the rates above, if you are a policyholder with Travelers and switched to USAA, you may realize savings of roughly $300. Customers with Allied might save as much as $314 a year, and Farmers policyholders might lower prices by $391 a year.

To find the best cheap insurance for a Honda Accord in Kansas for your vehicle, click here to start your free quote or click several companies below for low rates.

Be aware that those policy prices are averages across all drivers and vehicles in Kansas and are not factoring in a specific rate value for a Honda Accord. So the company that can offer you the lowest price may not even be in the rate chart shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

How careless driving impacts auto insurance rates

The common sense way to maintain the cheapest auto insurance premiums for an Accord is to be a good driver and avoid traffic citations and accidents. The example below shows how traffic citations and at-fault collisions can affect insurance prices for different categories of driver ages. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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In the prior example, the average cost of auto insurance in Kansas per year with no accidents or violations is $1,745. Get written up for two speeding tickets and the average cost hikes up to $2,336, an increase of $590 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Honda Accord goes up to an average of $4,623. That’s an increase of $2,878, or $240 per month, just for not driving responsibly!

How to find cheaper insurance for a Honda Accord

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Kansas drivers quote lower-cost coverage.

• Earn a discount by not filing claims
• Increase your credit rating
• Bundle home or renters insurance to earn a discount on car insurance
• Drop full coverage on older vehicles
• Drive safe vehicles
• Increase your comprehensive and collision deductibles
• Shop around and save

The last suggestion is certainly necessary, as we noted in this write-up. Auto insurance prices in Kansas can change considerably in a year, so don’t hesitate to switch carriers if a better deal can be had.

Staying with the same car insurance company is fine, but it’s not recommended if that faithfulness ends up costing you a wad of cash every year. It only takes a couple minutes to shop around to find cheaper car insurance for a Honda Accord.

Who has the cheapest Honda Accord insurance quotes?

Drivers have a lot of different ways to find affordable auto insurance in Kansas, but the most preferred are from an exclusive insurance agency like Liberty Mutual or State Farm, an independent insurance agent, or from a direct company like Progressive.

All three ways can provide auto insurance quotes, but shoppers should understand the differences in how they provide price quotes.

Independent agencies write business for many companies and can quote your policy with each one. Agents of this type are usually affiliated with several companies and can provide you with more rates, which may give you improved chances of finding a lower rate. If you are not satisfied with one company, your agent can just switch to a different company which prevents you from having to find a new agency.

A captive or exclusive agent is only able to quote your policy with a single insurance company, two examples being Allstate or State Farm agents. These agents usually cannot place coverage with different providers, so if rates are not competitive, they cannot give other choices.

If you choose to buy auto insurance direct, you forego an exlusive or independent agent and instead shop from a direct company like Esurance. Shopping for auto insurance direct is a good choice for people who do not need complex risk management and have knowledge of what specific coverages and deductibles they need.

So which one of the three ways works best to find the best cheap insurance for a Honda Accord in Kansas? We’d like to say shopping direct saves money because you bypass the agent, but in reality, that is not true. An argument could also be made that using an independent agent saves the most money since they can provide multiple quotes, but that assumption is not true either. And occasionally, the exclusive agents have price quotes well below independent agents AND direct companies.

Since auto insurance prices vary so much, the guaranteed way to get rock-bottom rates is to compare lots of quotes. Set aside the time to get rate quotes from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.