How Much Does 1991 Honda Accord Insurance Cost?

Drivers have lots of choices when trying to find the best price on Honda Accord insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to find insurance coverage online and you need to know the quickest way to compare rates for your Honda and locate the best price possible either online or from local insurance agents.

It’s important to check insurance coverage prices quite often because insurance coverage rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate on Accord insurance at your last renewal a different company probably has better prices today. Ignore everything you know about insurance coverage because you’re going to learn one of the best ways to find better rates and still maintain coverage.

This information will help you learn the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Consumers only need to know the proper methods to compare company rates over the internet.

Honda Accord insurance cost factors

Part of the car insurance buying process is learning the factors that help calculate car insurance rates. If you have a feel for what determines premiums, this enables you to make decisions that could help you find lower rates. Many things are part of the equation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but some are more obscure like your continuous coverage or your financial responsibility.

The items below are some of the things used by insurance companies to determine premiums.

  • How’s your driving record? – Even one chargable violation may cause rates to rise by as much as twenty percent. Drivers with clean records have lower premiums as compared to those with violations. Drivers unfortunate enough to have dangerous tickets like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
  • Rates impacted by vehicle usage – The more miles you rack up on your Honda in a year the higher your rates will be. Most insurance companies calculate rates partially by how you use the vehicle. Cars that do not get driven very much receive lower rates than those that get driven frequently. It’s always a good idea to double check that your policy shows the correct usage for each vehicle. An improperly rated Accord is just wasting money.
  • Save by driving vehicles with better crash test results – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars reduce occupant injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If your Honda Accord scored better than four stars on Safercar.gov you may be receiving a better rate.
  • Single drivers may pay more – Having a spouse actually saves money compared to being single. Having a significant other usually means you are less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.
  • Urban residents pay more – Being located in less populated areas has definite advantages when insuring your vehicles. Drivers in populated areas regularly have traffic congestion and longer commutes to work. Fewer drivers on the road means reduced accidents and a lower car theft rate.

How to get insurance quotes

There are a variety of methods to compare insurance quotes, but some are more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests to every company.

To use this form to compare rates click here (opens in new window).

The one downside to doing it this way is that you can’t choose which carriers to get pricing from. If you wish to select individual companies to compare rates, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

How you compare quotes is your choice, just ensure you are comparing exactly the same coverages on every quote. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Honda Accord.

You may qualify for discounts

Insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but a few must be manually applied in order for you to get them. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you could save as much as 10 to 15 percent.
  • Defensive Driver – Successfully completing a course in defensive driving can save you 5% or more and make you a better driver.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Accord insurance.
  • Paper-free Discount – A few insurance companies will give a small break for buying your policy on the internet.
  • No Claim Discounts – Drivers who don’t have accidents have much lower rates as compared to drivers with a long claim history.
  • Telematics Devices – People who choose to allow their company to look at driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
  • Early Signing – Some companies reward drivers for signing up before your current coverage expires. You can save around 10% with this discount.
  • Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% on Accord insurance than drivers with accident claims.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Low Mileage Discounts – Low annual miles can qualify you for better prices on cars that stay parked.

Don’t be shocked that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

A list of companies and their possible discounts are included below.

  • State Farm discounts include multiple policy, defensive driving training, good driver, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
  • Farmers Insurance offers discounts including good student, electronic funds transfer, business and professional, teen driver, alternative fuel, and youthful driver.
  • Geico may have discounts that include anti-theft, military active duty, five-year accident-free, defensive driver, membership and employees, and federal employee.
  • American Family has discounts for bundled insurance, mySafetyValet, Steer into Savings, early bird, multi-vehicle, good driver, and accident-free.
  • Nationwide offers discounts for defensive driving, business or organization, accident-free, anti-theft, Farm Bureau membership, and family plan.
  • Progressive has savings for multi-policy, homeowner, online quote discount, online signing, and multi-vehicle.

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. A few discounts may not be available in your area.

There’s no such thing as the perfect car insurance policy

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out whether you will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • Am I covered when driving a rental car?
  • Should I sign the liability waiver when renting a car?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a 1991 Honda Accord

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, falling objects, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses such as dental work, nursing services, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your Accord from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Final thoughts

In this article, we covered many tips how you can get a better price on 1991 Honda Accord insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper auto insurance. You may even find the best price on insurance is with the smaller companies.

When getting auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Some insurance companies may not provide online price quotes smaller companies only sell through independent agents. Budget-friendly insurance can be bought both online and also from your neighborhood agents, so compare prices from both to have the best selection.

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