Cheap Insurance for a Honda Accord in West Virginia

Whenever people write about auto insurance, the words “affordable” or “cheap” shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for a Honda Accord can be extremely hard to find. We’ll try to make it up to you, because we are going to show you some ways you can still find and buy auto insurance that doesn’t cost an arm and a leg.

The chances that you’ll find cheaper insurance for a Honda Accord in West Virginia depends on a complex equation that considers factors like how far you drive to work, your residence address, and driving violations. Drivers in West Virginia will pay around $960 a year to buy insurance for a Honda Accord, but that policy rate is based on rates for a 40-year-old single male driver that includes full coverage including both comprehensive and collision and $1,000 deductibles.

There is a high likelihood that you may not be 40 years old (or even male), possibly married instead of single, or maybe you’ve had an at-fault accident or two. There is no perfect policy for every driver, so the only way to find the cheapest coverage for your Honda is to do your own rate comparisons.

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The specific trim level tends to have a direct effect on the coverage cost, so the cost to insure a Accord LX 4-Dr Sedan model will be $336 cheaper than the cost to insure the higher-priced Accord EX-L 2-Dr Coupe model, as shown below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase prices noticeably.

Choosing a high-quality car insurance company can be difficult considering how many choices you have in West Virginia. The information below could help you analyze which auto insurers to look at shopping your coverage with. These rankings are only comprised of the largest companies in the United States, so companies with more of a regional focus will not be included in the list.

The information below shows how choosing a deductible can impact yearly insurance costs when searching for cheap insurance for a Honda Accord. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.

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The data above shows that a 30-year-old driver could lower their car insurance rates by $474 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $712 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save up to $1,392 annually by using a higher deductible.

If you do raise deductibles, it is necessary to have enough savings to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Chances are good that you’re overpaying for Accord insurance

West Virginia insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Improving your credit rating, getting divorced, or having an accident can trigger changes in premium that can now make some companies more affordable than before.

Also, auto insurance companies change prices as often as every three months to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can result in rate hikes, while lower claims can produce cheaper Accord insurance rates.

For example, the data below shows the companies that have the cheapest car insurance in West Virginia for a 40-year-old female driver with a clean driving record, no accidents, and good credit. If we estimate prices based on her current situation, Erie has the lowest car insurance rates in West Virginia at $940 per year. This is $840 less than the average price paid by West Virginia drivers of $1,780. The Hartford, State Auto, USAA, and Westfield are the remaining best West Virginia auto insurance companies.

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Now we will pretend the driver in the first example a claim or two, bad credit, and a traffic citation. Since every car insurance company has a proprietary formula for establishing rates, analyzing rate quotes may now present a slightly different list of the cheapest companies as shown below.

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The Hartford now has the lowest price in West Virginia with Nationwide, State Farm, Encompass, and Erie now being in the top five. This illustrates why consumers need to take the time to spend some time comparing rates to find the best car insurance rates for a Honda Accord.

Insurance rates are made up of many risk factors and can change without notice, so the best price three years ago may now be quite expensive.

How to find cheap insurance for a Honda Accord in West Virginia

Here are many thrifty suggestions that can help drivers quote lower-cost coverage.

• Raise comprehensive and collision coverage deductibles
• Avoid filing small claims
• Maintaining good credit helps earn cheaper rates
• Safer vehicles cost less to insure
• Older vehicles may not need full coverage
• Bundle home and auto and earn a discount
• Shop around and save

The final tip is especially vital, as we hit on in the prior article. Car insurance prices can be modified anytime, so don’t be unwilling to switch to a new company if a cheaper price is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that loyalty ends up costing hundreds every year. Spend a few minutes and compare rates and find cheaper auto insurance for a Honda Accord.

Cheap Honda Accord insurance quotes

Drivers have many ways to compare cheaper insurance rates in West Virginia, but the three most common ways are from an exclusive agency like Allstate or Auto-Owners, an independent or non-exclusive agent, or direct either online or via phone. They all have the same end result, but they differ slightly in how they give price quotes.

Independent agents can place your business with multiple companies and can compare coverage rates with each one. These types of agencies have the option to give you more rates, which may provide you with the best idea of how your rates compare. If they find a lower price, your policy can be easily switched to a new company which makes it simple for you.

A captive, or exclusive, agent is only able to give rates for one company, a couple examples are a State Farm or Liberty Mutual agent. They usually cannot provide a range of price quotes, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you bypass an agent and instead buy from a direct company like Geico or Esurance. Shopping direct may be a decent choice people who have little risk and know what insurance covers.

So which one of the three ways works best for finding cheap insurance for a Honda Accord in West Virginia? It would be easy to say shopping direct results in the best prices because there are no middleman commissions, but that is not always the case. And we’d like to say an independent agent guarantees the lowest rates due to increased selection, but again, that’s not accurate. In a lot of cases, exclusive agents have coverage prices that other insurance companies cannot touch.

Because of the variability of insurance rates, the guaranteed way to buy the cheapest policy is to get quotes and compare the rates. Put in the effort to get quotes from all three types to have enough rates to compare. For a list of insurance companies with low rates, click here to view.