Cheap Insurance Quotes for a Honda Accord in Missouri

The chances that you’ll find cheap car insurance for a Honda Accord in Missouri is contingent on a lot of things such as how old the Accord is, your claims history, and the level of deductible you choose. Missouri drivers on average will pay $770 each year to buy insurance for a Honda Accord, but that price is based on cost data for a 30-year-old single female driver that has full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

This brings up the issue that more than likely you are not exactly 30 years old and possibly not even female, married instead of single, or maybe your Missouri zip code is rated cheaper than the example. Just a slight change in quote information can precipitate large changes in the cost of a policy.

Every policy is rated specifically for the driver, so the most reliable method for finding the most affordable coverage for your Honda is to put in the effort and compare rates.

Find Cheaper Honda Accord Insurance

The specific trim level will influence price, so the price you pay to insure a Accord LX 4-Dr Sedan trim level will cost $270 less than the cost to insure the more well-appointed Accord EX-L 2-Dr Coupe model, as demonstrated by the prices below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle location which can influence premiums considerably.

Ratings for Missouri insurance companies

Finding the top car insurance provider is difficult considering how many choices there are in Missouri. The information in the next section may help you decide which car insurance companies to look at when buying insurance for a Honda Accord. The ratings below are for major nationwide insurance companies, so companies that have a smaller presence are not included in these rankings.

Poor driving habits will raise your insurance rates

The recommended way to maintain cheap insurance premiums for an Accord is to be a good driver and avoid accidents and traffic citations. The illustration below shows how speeding tickets and at-fault collisions can affect insurance prices for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2913,3129,3737],[‘Age 30’, 1523,1743,2347],[‘Age 40’, 1497,1711,2321],[‘Age 50’, 1365,1581,2189],[‘Age 60’, 1323,1537,2147],[‘Age 70’, 1625,1843,2447]]);var options = {title: ‘Impact of Citations and Accidents on Missouri Honda Accord Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Missouri’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance per year with no violations or accidents is $1,708. Receive one speeding ticket and the average cost surges to $1,924, an increase of $216 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Honda Accord jumps again to an average of $2,531. That’s an increase of $824, or $69 per month, just for being a careless driver!

Cost of full coverage in Missouri

Finding cheap insurance for a Honda Accord in Missouri is probably important to most vehicle owners, and one great way to reduce the cost of insurance is to only buy liability coverage. The information below shows the difference between auto insurance costs when comparing full coverage to liability only. The costs are based on no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3589,1073],[‘Age 30’, 1849,591],[‘Age 40’, 1839,547],[‘Age 50’, 1671,513],[‘Age 60’, 1615,505],[‘Age 70’, 1959,673]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Missouri’,minValue: 0,format: ‘$###,###’},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 we average all the age groups together, physical damage insurance costs $2,087 per year over and above liability only. That is a large expense which might make you wonder if buying full coverage is worth the money. There is no clear-cut formula of when to phase out physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

Who has the cheapest Honda Accord insurance quotes?

There are quite a few ways to quote insurance rates in Missouri, but the most preferred ways are from an exclusive agency such as Allstate or Auto-Owners, an independent agent, or direct from companies such as Geico or Progressive. Each way is similar, but each is slightly different in how they function.

Independent insurance agencies write business for many companies and can quote your policy with every one. These types of agencies are not restricted to one company and can provide you with more rate quotes, which can help you get improved chances of finding a lower rate. If they find a cheaper price, your agent can just switch to a different company and you don’t have to do anything.

A captive or exclusive agent is limited to a single insurance company, two of the more popular are a State Farm or Allstate agent. This type of agents cannot give you multiple price quotes, so if rates are not competitive, they cannot shop around.

Direct insurance buyers bypass an agent and instead buy from a direct company like Esurance or Geico. Shopping direct may be preferred by consumers who do not need risk management and have some degree of understanding of what limits they need.

What is the best method for finding cheap insurance for a Honda Accord in Missouri? It would be premature to say buying from a direct car insurance company results in the best prices because there is no agent involved, but unfortunately, it’s not that cut and dried. We could also say that an independent agent guarantees the best prices because they can quote many companies, but again, it’s not a sure thing. And often times, exclusive agencies have coverage prices that other insurance companies cannot touch.

Due to the large number of rating factors, the one way to find out which one is cheapest is to compare, compare, and compare some more. Put in the effort to get price quotes all three ways to have a good selection of rates to choose from. For a list of companies with some of the cheapest Missouri insurance rates, click here to view.

How to find low-cost insurance for a Honda Accord

Here are some of the recommended penny-pinching solutions that can help you find the cheapest car insurance.

• Vehicles with good safety ratings are usually cheaper to insure
• Higher deductibles mean lower rates
• Pay cheaper rates with good credit scores
• Pay less by remaining claim-free
• Drop full coverage on older vehicles
• Multi-policy discounts save money
• Compare rate quotes frequently

That last piece of advice is especially important, as we stressed in this write-up. Insurance rates in Missouri can change considerably based on profitability, so drivers shouldn’t be resistant to buy a policy from a new company if a cheaper price is available.

Brand loyalty is not necessarily bad, but is isn’t recommended if that stubbornness costs you money that could be used for better things. It only take a few minutes to compare prices to find cheaper auto insurance for a Honda Accord.