How Much are Insurance Quotes for a Honda Accord in Vermont?

Buying cheaper auto insurance for a Honda Accord in Vermont depends on factors like if you are married or single, whether or not you garage your vehicle, and any prior driving offenses. Drivers will pay around $540 every 12 months to buy insurance for a Honda Accord, but that figure is an estimation based on cost data for a 30-year-old married female that wants full coverage and $1,000 policy deductibles.

It’s more than likely you’re not a 30-year-old female, you might be single instead of married, and maybe you want higher deductibles. Every driver’s needs are different, and that is why the best method for finding the cheapest rates for your Honda is to make a habit of regularly comparing rates from other companies.

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The specific model of Accord will be a contributing factor to the annual cost of coverage, so the price you pay to insure a Accord LX 4-Dr Sedan trim level will be $188 less than the cost to insure the higher-priced Accord EX-L 2-Dr Coupe model, as demonstrated by the prices below.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location information which can revise price quotes significantly.

Finding reliable, budget auto insurance is confusing at best, and determining which company has the cheapest auto insurance rates for a Honda Accord involves additional perseverance. Every insurance company has their own guidelines for determining rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Vermont.

It’s important that readers know that Vermont auto insurance rates are calculated based on many things that will increase or decrease the price you have to pay. This is why it is critical to compare rates when trying to find the cheapest auto insurance rates for a Honda Accord. Rates consist of many risk factors and change dramatically, so the most economical option when you bought your policy may now be quite expensive.

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Safeco generally has some of the lowest car insurance rates in Vermont at around $463 annually. California Casualty, USAA, The Hartford, and Travelers would also be considered some of the cheaper Vermont car insurance companies.

As the example above demonstrates, if you are insured with California Casualty and switched to Safeco, you might realize a yearly price reduction of around $51. Policyholders with USAA might save as much as $175 a year, and The Hartford policyholders might lower prices by $176 a year.

To discover how much you can save, click here to begin a quote or feel free to get quotes from the companies below.

Understand that those rates are averages across all drivers and vehicles in Vermont and and are not figured with a specific rating modification for a Honda Accord. So the car insurance company that has the cheapest price for you may not even be featured in the list of companies above. That helps illustrate why you need to quote rates from many companies using your own driver and vehicle profiles.

Discounts on cheap insurance for a Honda Accord in Vermont

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-honda-accord-vt.jpg" alt="Cheaper Vermont auto insurance for an Accord” />Auto insurance companies that offer quotes for a Honda Accord may additionally offer policy discounts that can reduce rates by 35% or more if you are eligible to receive them. Companies and the discounts they provide are outlined below.

The diagram below illustrates the difference between insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a male driver, no accidents or driving violations, Vermont state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, marriage, passive restraint, multiple policy, defensive driving course, and claim-free discounts applied. When discounts are applied, the average savings per year on auto insurance for a Honda Accord is 42% or $558.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2281,1637],[‘Age 30’, 1191,863],[‘Age 40’, 1163,843],[‘Age 50’, 1069,771],[‘Age 60’, 1037,751],[‘Age 70’, 1295,929]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Honda Accord’,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’,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(‘qcibdisc’));chart.draw(data, options);}

Find cheap insurance for a Honda Accord in Vermont

The list below summarizes some money-saving suggestions that can help drivers quote cheaper car insurance.

• Buy a safer vehicle
• Earn a discount by not filing claims
• Do not get into accidents that are your fault
• Serious violations like DUI or reckless driving can increase rates dramatically
• Maintaining good credit helps earn cheaper rates
• Compare rates regularly and switch companies to save money

The last tip is highly necessary, as was emphasized in this piece. Insurance prices in Vermont change frequently, so don’t be hesitant to change insurance companies if a more affordable price is available.

Staying with the same company for years is fine, but it’s not a great idea if that stubbornness costs you a lot of money. Spend a few minutes and compare prices to find cheaper insurance for a Honda Accord.

Who has the cheapest Honda Accord insurance quotes?

Drivers have many ways to quote auto insurance rates in Vermont, but the most frequently used ways are through an independent insurance agent, a captive (or exclusive) agency like State Farm or Allstate, or from a direct company like Geico. Each way has the same basic steps, but it’s good to know the differences in how they give price quotes.

Independent insurance agents work for many companies and can get rate quotes from each one. Independent agents do not write with just one company and can provide you with more rates, which may give you the best chance of saving money. If cheaper coverage is found, it’s simple to move the policy which prevents you from having to find a new agency.

Exclusive agencies are limited to one insurance company, for example an Allstate or State Farm agent. They are unable to provide prices from multiple companies, so if rates are not competitive, they cannot shop around.

Opting to purchase auto insurance direct means you forego a local agent and buy buying direct from a company like Geico or Progressive. Buying direct may be preferred by families who do not need complex risk management and know what coverage options they need.

So what is the best way to buy cheap insurance for a Honda Accord in Vermont? Most drivers assume that buying direct saves money because there are no middleman commissions, but that turns out to not be true. A good argument could also be made that buying from an independent agent results in the best rates since there are more companies to choose from, but that is not accurate either. For some people, exclusive agencies may have prices that other companies cannot beat.

Because there are so many factors that make up auto insurance rates, really the only way to ensure the lowest rates is to compare, compare, and compare some more. It takes a little work, but we recommend you get price quotes from all three to get a good idea who is cheapest. For a list of companies with some of the cheapest Vermont auto insurance rates, click here to view.