Cheapest Insurance Quotes for a Honda Accord in Connecticut

Since we’re writing about auto insurance, the word cheap should not be used anywhere in the article to describe car insurance rates. The fact is, cheap car insurance for a Honda Accord may be a thing of the past. Don’t let that bother you, though, because we are going to show you how you can find and buy car insurance that is more budget-friendly.

The odds of finding cheap auto insurance for a Honda Accord in Connecticut relies on lots of different rating factors such as how many miles you drive each year, your profession, and deductibles for comprehensive and collision coverage. Drivers in Connecticut pay an average of $810 a year for Accord insurance, but that rate is a projection rating a 50-year-old single female driver with comprehensive and collision coverage and $1,000 deductibles.

There is a really good chance that you are not 50 and maybe not even a female, possibly married instead of single, or maybe you just want liability only. Having the smallest difference in price quote data can lead to a significant difference in the price of a policy.

Everone’s needs are different, and this illustrates why the most reliable way to find the cheapest coverage for your Honda is to compare rates from as many companies as possible.

Compare Rates and Save

Vehicle trim level tends to have a direct impact on the coverage cost, so the price you will be charged to insure a Accord LX 4-Dr Sedan model will be $280 less expensive the price to insure the more expensive Accord EX-L 2-Dr Coupe trim level, as shown by the rates below.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in vehicle garaging location which can alter prices considerably.

Finding out which companies have the best auto insurance rates for a Honda Accord will require a little more sweat in order to find the lowest price quote. Each insurance company used slightly different criteria to set premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Connecticut.

Lowest Insurance Price Quotes for Your Accord

Get a Free Quote and Save

Utica National has some of the cheapest car insurance rates in Connecticut at around $965 each year. Travelers, Amica, USAA, and Nationwide also qualify as some of the best Connecticut auto insurance companies.

As depicted above, if you are a policyholder with USAA and switched to Utica National, you may see an annual premium reduction of about $269. Connecticut drivers with Nationwide might save as much as $474 a year, and Unitrin insureds might lower prices by up to $569 a year.

These premium estimates are averaged across all drivers and vehicles in Connecticut and and are not figured with a specific rate factor for a Honda Accord. So the auto insurance company that is most affordable for your situation may not even be shown in the list of companies shown earlier. That helps illustrate why you need to get quotes using your own driver and vehicle profiles.

Get discount Connecticut car insurance

Insurance companies that provide the cheapest insurance for a Honda Accord in Connecticut may also provide premium discounts that can lower rates by as much as 30% if you meet specific criteria. A list of auto insurance companies and some of the discounts are detailed below.

• Progressive discounts include continuous coverage, good student, online signing, online quote discount, multi-vehicle, and homeowner.
• GEICO offers discounts for five-year accident-free, multi-policy, seat belt use, air bags, multi-vehicle, anti-lock brakes, and driver training.
• State Farm policyholders can earn discounts including defensive driving training, multiple policy, safe vehicle, student away at school, accident-free, and driver’s education.
• Esurance has savings for defensive driver, good student, Switch & Save, renters, and anti-theft.
• The Hartford includes discounts for anti-theft, vehicle fuel type, bundle, defensive driver, driver training, air bag, and good student.

The example below shows the comparison of insurance costs with and without discounts applied. The information is based on a female driver, no accidents, no driving violations, Connecticut state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, passive restraint, claim-free, multiple policy, defensive driving course, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on auto insurance for a Honda Accord is 28% or $518.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2761,1979],[‘Age 30’, 1847,1333],[‘Age 40’, 1733,1247],[‘Age 50’, 1513,1091],[‘Age 60’, 1467,1057],[‘Age 70’, 1741,1249]]);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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Connecticut’,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 get the cheapest insurance for a Honda Accord in Connecticut

Lowering your rates is not difficult, and here are some thrifty solutions that can help drivers buy low-cost car insurance.

• Having at-fault accidents will increase rates
• Speeding tickets and other violations increase rates
• Save money by bundling your home and auto policies
• Vehicles with good safety ratings have lower liability rates
• If possible, do not file small claims
• Check for cheaper rates once a year

The final tip is incredibly critical, as was noted in this write-up. Auto insurance rates in Connecticut can change in a short period of time, so don’t be tentative to switch companies if a better deal can be had. Having a favorite company is great, but it’s not a great idea if that loyalty ends up costing a small fortune. It only takes a couple minutes to compare rates to find cheaper insurance for a Honda Accord.

Who has the cheapest Honda Accord insurance quotes?

Due to technology, there are many ways to find cheap auto insurance in Connecticut, but the most popular are through an independent agent, an exclusive insurance agency such as Liberty Mutual or State Farm, or direct either online or via phone.

They all follow the same basic process, but it’s good to know the differences in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can compare rates with each one. These agents can quote with many companies and provide you with more rate quotes, which may provide you with the best chance of saving money. If your agent finds a cheaper company, the business is moved internally and you don’t have to switch agencies.

Exclusive agencies are usually restricted to a single insurance company such as Allstate or Farmers Insurance agents. They are unable to quote rates from more than one company, so if their prices are high, they cannot shop around.

The last way is buying direct, which means you skip local insurance agents and buy direct either online or via phone. Shopping direct may be good for consumers who have fewer assets and have an above average understanding of what coverage limits and deductibles they need.

So which method is best to find the cheapest insurance for a Honda Accord in Connecticut? It would be obvious to point out shopping direct results in the cheapest rates since that eliminates agent commissions, but in reality, that argument does not hold true. A valid argument could also be made that buying from an independent agent guarantees the best prices due to having more companies to select from, but that assumption is not true either. In some circumstances, exclusive agencies have really good rates that cannot be met by either independent or direct companies.

Since auto insurance prices are based on many different factors, the guaranteed way to buy the cheapest coverage is to compare rate quotes from as many companies as possible. We recommend you get prices from all three to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.