Save on 1993 Honda Accord Insurance Cost

Trying to find the cheapest insurance coverage rates for your Honda Accord? Are you drained from robbing Peter to pay Paul to buy insurance coverage? Your situation is no different than many other people.

There is such a variety of car insurance companies to choose from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider.

How to get free insurance quotes online

Most major insurance companies give price estimates from their websites. Doing online quotes doesn’t take much effort as you simply type in your coverage preferences into a form. Upon sending the form, their rating system automatically orders your driving record and credit report and generates a price. Online quotes makes comparing rates easy, but the work required to visit different websites and type in the same information can be a bit repetitive. But it’s also necessary to compare as many rates as possible in order to find better prices.

An easier way to locate the lowest prices uses just one form that gets prices from multiple companies. It’s a real time-saver, reduces the work, and makes rate comparisons much easier. After sending the form, it is quoted and you can select your choice of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter the coverage information as shown on your current policy. This makes sure you’re receiving rate quotes for the exact same coverage.

Lower rate quotes by taking advantage of discounts

Some insurance providers do not advertise the entire discount list in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
Driver Safety – Completing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
Discount for Life Insurance – Select insurance companies reward you with better insurancerates if you take out a life policy as well.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
More Vehicles More Savings – Drivers who insure more than one vehicle on one policy qualifies for this discount.
Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance for Accord coverage but check with your company.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Some of the larger companies who may offer these benefits are:

When quoting, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. To view providers that offer discounts, click this link.

How much car insurance do I need?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

Can I still get insurance after a DUI?
Is rental equipment covered for theft or damage?
Do I need to file an SR-22 for a DUI in my state?
When should I drop full coverage on my 1993 Honda Accord?
Why do I only qualify for high-risk insurance?
Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Coverage for collisions

Collision coverage covers damage to your Accord resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for X-ray expenses, hospital visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance

Liability insurance can cover damage or injury you incur to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, court costs, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.