Cheap Insurance Quotes for a Honda Accord in New Hampshire

When we talk about car insurance, the word affordable really should not be used anywhere in the article. Nonetheless, cheap auto insurance for a Honda Accord is not always easy to find. We’ll try to make it up to you, because there may be ways you can quote insurance that you can fit into your budget.

Buying affordable car insurance for a Honda Accord in New Hampshire depends upon many different factors like how many years you have been driving, your claims history, and your choice of physical damage deductibles. New Hampshire drivers pay an average rate of $670 every 12 months to insure an Accord, but that amount is a ballpark figure rating a 40-year-old married male with full physical damage coverage and $250 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not exactly 40 years old and possibly not even male, possibly single instead of married, and you don’t want the same coverages and limits as the example. Just a slight difference in the factors used to determine rates can make a large difference in how much coverage for a Honda Accord costs.

Not everyone needs the same coverages, so the most reliable way to find the cheapest insurance price for your Honda is to do a thorough rate comparison. Comparing quotes is easy and you will receive rate quotes from top-rated car insurance companies that insure Honda vehicles in New Hampshire.

Compare Honda Accord Insurance Rates

The trim level of your vehicle impacts the cost of insurance, so the price to insure a Accord LX 4-Dr Sedan model will cost $234 less than the insurance cost for the more well-appointed Accord EX-L 2-Dr Coupe version, as shown by the rates below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle location which can lower or raise coverage rates considerably.

Selecting the right company can be challenging considering how many companies sell coverage in New Hampshire. The company information shown next could help you pick which auto insurers to look at shopping your coverage with. The ratings below are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into this list.

Top 10 Large Car Insurance Companies in New Hampshire Ranked by Value

1. The General
2. The Hartford
3. Farmers Insurance
4. Safeco Insurance
5. AAA Insurance
6. 21st Century
7. Travelers
8. State Farm
9. Progressive
10. American Family

Top Companies for Honda Accord Insurance in New Hampshire

Full coverage versus liability only rates

Finding cheap insurance for a Honda Accord in New Hampshire is the goal of most people, and one common way to find cheap insurance is to not buy comprehensive and collision coverage. The example below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in New Hampshire. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2913,957],[‘Age 30’, 1517,529],[‘Age 40’, 1495,491],[‘Age 50’, 1363,459],[‘Age 60’, 1317,451],[‘Age 70’, 1603,601]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in New Hampshire’,minValue: 0,format: ‘$###,###’},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);}

If all age groups are averaged, full coverage costs an additional $1,701 per year over and above liability coverage. At some point, every insured wonders when is it a good idea to stop buying full coverage. There isn’t a written rule for excluding physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

Get discount New Hampshire auto insurance

Car insurance companies that offer cheap insurance for a Honda Accord in New Hampshire may also offer discounts that could potentially reduce rates by 25% or more if you meet specific criteria. Large car insurance companies and some of the discounts are included below.

• State Farm policyholders can earn discounts including good student, anti-theft, student away at school, multiple policy, and multiple autos.
• American Family discounts include mySafetyValet, air bags, Steer into Savings, good driver, defensive driver, TimeAway discount, and accident-free.
• AAA offers premium reductions for education and occupation, anti-theft, pay-in-full, multi-policy, multi-car, good student, and good driver.
• GEICO may offer discounts for federal employee, good student, driver training, air bags, and emergency military deployment.
• Mercury Insurance offers discounts for location of vehicle, low natural disaster claims, multi-policy, age of vehicle, and accident-free.
• Farmers Insurance has savings for switch companies, distant student, pay in full, early shopping, and bundle discounts.
• Progressive offers discounts including homeowner, multi-vehicle, continuous coverage, online signing, online quote discount, and good student.

The illustration below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, a clean driving record, no claims, New Hampshire state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, accident-free, homeowner, passive restraint, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on car insurance for a Honda Accord is 28% or $421.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2597,1867],[‘Age 30’, 1361,989],[‘Age 40’, 1335,969],[‘Age 50’, 1219,883],[‘Age 60’, 1179,857],[‘Age 70’, 1449,1047]]);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 in New Hampshire’,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);}

How to find economical auto insurance for a Honda Accord

It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help drivers locate cheap auto insurance.

• Good credit can help you save money
• Buying your home and auto policies from the same company can earn a discount
• Having too many claims will increase rates substantially
• Just one traffic violation will increase your rates
• Prevent rate increases by staying accident-free
• Increase your physical damage deductibles
• Shop around and save

That last piece of advice is especially important, as we pointed out in this article. Auto insurance prices can change significantly in a year, so don’t be afraid to switch carriers if a lower price can be found.

Sticking with a specific company is fine, but is isn’t recommended if that loyalty results in overpaying a lot of money every month. In just a couple of minutes you could compare prices and find cheaper insurance for a Honda Accord.

Which major car insurance company is best?

When comparing auto insurance, the four most popular companies are Geico, State Farm, Progressive, and Allstate. All of them have a unique set of features, discounts, and options that add value to each policy. The table below ranks pricing and service ratings, as well as optional policy coverages you can expect with each one.