Best Cheap Insurance Quotes for a Honda Accord in North Dakota

Our staff writers always rib each other than when writing about car insurance, the word cheap should never be used anywhere in the article to describe car insurance prices. Notwithstanding, cheap auto insurance for a Honda Accord is not always easy to find. But don’t despair, because we are going to tell you how you can get car insurance that is more budget-friendly.

The chances of buying the best cheap car insurance for a Honda Accord in North Dakota depends upon a complex equation that considers factors like if you are a renter or homeowner, whether or not you have filed claims in the past, and if your driving record shows any at-fault accidents. North Dakota drivers on average pay around $900 each year to insure their Accord, but that price is a projection rating a 50-year-old single female that wants full coverage including both comprehensive and collision and $250 deductibles.

Odds are that you are not exactly 50 years old and possibly not even female, married instead of single, or maybe your North Dakota zip code is rated cheaper than the example. Just a slight change in quote information can result in a massive change in the rate quoted for a Honda Accord.

Auto insurance is not “one size fits all”, so the way we recommend to find the cheapest rates for your Honda is to quote often and with as many companies as possible.

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The trim level of your Honda tends to have a direct impact on price, so the cost to insure a Accord LX 4-Dr Sedan will be $318 less expensive the insurance cost for the high end Accord EX-L 2-Dr Coupe version, as shown below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can increase or decrease price quotes significantly.

Selecting the top auto insurance provider can be a challenge considering how many different companies there are to choose from in North Dakota. The ranking information shown below could help you choose which coverage providers you want to consider when shopping car insurance rates for a Honda Accord.

These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into these rankings. To check prices from many more North Dakota auto insurance companies, click here.

Types of discounts on North Dakota insurance rates

Insurers that offer the best cheap insurance for a Honda Accord in North Dakota may also offer premium discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. A few of the larger companies and a summarized list of policyholder discounts can be found below.

• Progressive includes discounts for multi-policy, online signing, online quote discount, homeowner, and continuous coverage.
• GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, anti-theft, five-year accident-free, seat belt use, driver training, and multi-vehicle.
• State Farm has savings for good student, multiple autos, good driver, Steer Clear safe driver discount, defensive driving training, and driver’s education.
• Esurance offers premium reductions for renters, good student, online shopper, anti-lock brakes, and defensive driver.
• The Hartford offers discounts including vehicle fuel type, anti-theft, driver training, defensive driver, and air bag.

The example below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents, no driving violations, North Dakota state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, marriage, vehicle safety, homeowner, accident-free, and claim-free discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for a Honda Accord is 28% or $646.

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How violations and accidents impact rates

The common sense way to score the most affordable auto insurance prices for an Accord is to drive carefully and not receive tickets or have accidents. The illustration below highlights how traffic violations and at-fault fender-benders can increase insurance costs for different ages of insureds. The prices are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

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The chart shows that the average cost of auto insurance in North Dakota per year with a clean driving record and no accidents is $1,787. Get two speeding tickets and the average cost swells to $2,550, an increase of $764 each year. Now add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Honda Accord goes up to an average of $3,333. That’s an increase of $1,546, or $129 per month, just for not paying attention while driving!

Ideas for finding cheaper car insurance for a Honda Accord

The list below summarizes some of the better penny-pinching ideas that can help North Dakota drivers quote cheaper car insurance.

• Being accident-free can lower rates significantly
• Higher comprehensive and collision coverage deductibles will save money
• Get cheaper liability coverage by choosing a safer vehicle
• Do not get traffic citations
• Good credit can mean cheaper rates
• Do not waste money insuring older vehicles for full coverage
• Compare rates and switch if you can find a better deal

The last suggestion is extremely vital, as we noted in the prior information. Insurance prices change constantly, so drivers shouldn’t hesitate to switch companies if a cheaper rate is available.

Brand loyalty is great, but it’s not recommended if that faithfulness ends up costing you potentially thousands of dollars a year. Take a few minutes and compare rates to find cheaper auto insurance for a Honda Accord.

Best cheap Honda Accord insurance quotes

There are many ways to buy auto insurance in North Dakota, but the most frequently used methods are using a non-exclusive or independent agent, an exlusive agent such as State Farm or Liberty Mutual, or from a direct company like Geico or Progressive. They all follow the same basic process, but each is different in how they provide price quotes.

Independent insurance agents write for multiple companies and can get rate quotes from each one. These agents are not employed by one specific company and can give you more rates, which may provide you with the best idea of how your rates compare. If a cheaper price is found, your policy can be moved and you stay with the same agent.

An agent who is captive is only able to give prices for one insurance company, a couple examples are Allstate or Farmers Insurance agents. They generally cannot quote rates from more than one company, so you might not find the best rates.

Buying direct means you bypass an independent or exclusive agent and instead shop direct either online or via phone. Buying direct may be good for drivers who do not need risk management and have a decent understanding of how auto insurance works and possible exclusions.

So what is the best way for finding the best cheap insurance for a Honda Accord in North Dakota? We’d like to tell you shopping direct saves the most money because there isn’t an agent involved, but that is not always the case. We could also assume that buying auto insurance from an independent agent is the best way because you have more choices, but again, that’s not accurate. And sometimes, exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Since auto insurance prices vary so much, the guaranteed way to get the lowest rate is to compare, compare, and compare some more. To find the best rates, be sure to get prices from all three types to have the best rate selection. To see some of the cheapest online companies available, click here to view.