How Much Does Insurance Cost for a Honda Accord in Delaware?

When writing about shopping for auto insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Honda Accord is almost non-existent. But don’t let that discourage you, because we can show you some ways you can quote auto insurance that you can afford.

The odds of finding cheap insurance for a Honda Accord in Delaware depends upon an enormous amount of factors such as whether you are a new or experienced driver, whether or not you are currently insured, and whether or not you are a good driver. Drivers on average pay approximately $1,640 each year for Accord insurance, but that policy rate is an approximation based on a 30-year-old single female that includes comprehensive and collision coverage and $100 physical damage deductibles.

But there is a good chance that you are not a 30-year-old female, possibly married instead of single, or you have a violation or two on your driving record. Auto insurance is unique to every driver, so the only real way to find the cheapest coverage for your Honda is to just take the time to do a thorough rate comparison.

Compare Rates and Save

The trim level of your Honda will have an impact the cost of coverage, so the cost to insure a Accord LX 4-Dr Sedan trim level will be $584 less expensive the cost to insure the more expensive Accord EX-L 2-Dr Coupe version, as shown by the rates below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in your specific Delaware location which can modify rates significantly.

Best car insurance in Delaware

Insuring your vehicle with the top company is hard considering how many choices drivers have in Delaware. The company information below can help you pick which car insurance companies to look at when buying insurance for a Honda Accord. The ratings below are only comprised of large, nationwide insurance companies, so companies that only write business in Delaware or surrounding areas will not be included in these rankings.

Top 10 Large Auto Insurance Providers in Delaware Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top Companies for Honda Accord Insurance in Delaware

The information below shows how choosing a deductible can impact insurance prices when quoting cheap insurance for a Honda Accord. The information is based on a single male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5381,4895,4369,3877],[‘Age 30’, 2731,2511,2257,2011],[‘Age 40’, 2727,2487,2219,1965],[‘Age 50’, 2479,2265,2027,1799],[‘Age 60’, 2399,2195,1967,1749],[‘Age 70’, 2925,2687,2429,2187]]);var options = {title: ‘Effect of Higher Deductibles on Honda Accord Insurance Rates in Delaware’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $452 a year by increasing from a $100 deductible to a $500 deductible, or save $680 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could shave up to $1,504 or more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will now be necessary to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

The benefit of shopping around

Delaware car insurance rates are based on many factors which can substantially decrease or increase the price you pay. Simply turning a year older, moving to a different location, or getting a couple of tickets can produce rate changes that can make some companies much cheaper than others. Not only that, but car insurance companies change premium rates as often as every quarter in order to offset underwriting gains or losses. Higher than normal claims can result in increased policy costs, while lower claim expenses can cause more affordable Accord insurance rates.

For example, the bar chart below demonstrates which company has the cheapest car insurance in Delaware for a 45-year-old male driver with a good driving record, no prior claims, and solid credit. If we estimate rates based on his current situation, USAA offers the most affordable car insurance rates in Delaware at $840 annually. This is $1,165 less than the average price paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and California Casualty are also on the list of the most affordable Delaware auto insurance companies.

google.charts.setOnLoadCallback(drawDEWitcqcibChart);function drawDEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 840, ‘#629100’],[‘Travelers’, 1052, ‘#517800’],[‘Nationwide’, 1254, ‘#436400’],[‘Atlantic States’, 1279, ‘#375300’],[‘California Casualty’, 1332, ‘#2D4500’]]);var options = {title: ‘Best Auto Insurance Rates for a Honda Accord’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1432,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In this example, we will give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a couple of points charged on his driving record. Since each auto insurer uses their own formula to determine rates, analyzing rates may result in a different ranking of cheap Delaware auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawDEWcqcibChart);function drawDEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1636.8, ‘#C75000’],[‘National Grange Mutual’, 1668.7, ‘#A54200’],[‘Travelers’, 1683.2, ‘#893700’],[‘Donegal Mutual’, 1714.9, ‘#722D00’],[‘USAA’, 1760, ‘#5F2500’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1860,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the cheapest rate in Delaware with National Grange Mutual, Travelers, Donegal Mutual, and USAA now rounding out the top five. This shows why it is so important to compare many different companies when trying to find the most economical insurance quotes for a Honda Accord.

Prices can be altered by many factors and change dramatically, so the most economical option the last time you compared rates may now be one of the more expensive options.

Cheapest Honda Accord insurance quotes

Thanks to technology, drivers have a lot of ways to find affordable car insurance in Delaware, but the most frequently used ways are from an independent or non-exclusive agent, an exclusive insurance agent like Liberty Mutual or Allstate, or direct either online or via phone. They all follow the same basic process, but car insurance shoppers should know the differences in how they give price quotes.

Independent insurance agencies can place your business with multiple companies and can provide price quotes from all of them. Agents of this type can quote with many companies and get prices from more than one company, which can help you get a better chance of saving money. If a cheaper price is found, your policy can be moved and you don’t have to switch agencies.

A captive or exclusive agent is only able to quote your policy with a single company, two popular examples being an Allstate or State Farm agent. These agents are not able to quote prices from more than a single company, so drivers will want to get other quotes as well.

The last way is buying direct, which means you forego local insurance agents and buy direct online or over the phone from a company like Geico or Progressive. This option may be the best choice families who have fewer assets and understand what car insurance covers and what it doesn’t.

Which way is best to find cheap insurance for a Honda Accord in Delaware? Most people would assume that buying from a direct company results in the best prices since there isn’t an agent involved, but that is not always the case. It would also be easy to say buying from an independent agent guarantees the cheapest rates since they have more companies to choose from, but that is not necessarily true either. And often times, exclusive agencies have extremely competitive rates that other car insurance companies cannot touch.

Because there are so many factors that make up car insurance rates, really the only way to get the cheapest rates is to compare rate quotes from as many companies as possible. Set aside the time to get rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. For a list of companies with some of the cheapest Delaware car insurance rates, click here to view.

Tips for finding economical auto insurance for a Honda Accord

It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help drivers quote cheaper car insurance.

• Don’t have frequent claims
• Improve your credit rating
• You will pay more if you get tickets or have at-fault accidents
• Buy a vehicle with excellent safety ratings
• Drive attentively and avoid accidents
• Shop your coverage around for the best deal

That last idea is particularly significant, as was affirmed in this write-up. Prices charged by companies fluctuate constantly, so you should be ready to buy a policy from a new company if a cheaper rate is available.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you a wad of cash every year. In just a few minutes you could compare rates to find cheaper auto insurance for a Honda Accord.