1995 Honda Accord Car Insurance Quotes

Searching for cheaper car insurance rates for your Honda Accord? No normal person likes having to buy car insurance, especially when they know they could find better rates elsewhere. Vehicle owners have many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more car insurance companies makes it harder to adequately compare rates.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Drivers just need to understand the most efficient way to shop their coverage around on the web.

Shop insurance online

Many insurance companies like Progressive, Geico, Allstate and State Farm allow consumers to get coverage price quotes directly from their websites. This process is quite easy as you simply type in the coverages you want on the page. Once you submit the form, their rating system orders information on your driving record and credit history and quotes a price based on many factors. This makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms is a big time waster. But it’s necessary to have as many quotes as possible if you want to find the best price possible.

A better way to compare rates uses one simple form that obtains quotes from more than one company. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable. After sending your information, it is rated with multiple companies and you can pick any of the quotes returned. If you find a better price you can click and sign and purchase coverage. The entire process just takes a couple of minutes and may result in a nice savings.

In order to get comparison pricing now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as they are listed on your policy. This way, you’re receiving an apples-to-apples comparison based on similar coverages.

There’s no such thing as the perfect insurance policy

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether or not you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Is my camper covered by my car insurance policy?
  • Is my nanny covered when driving my vehicle?
  • Are split liability limits better than a combined single limit?
  • Why am I required to buy high-risk coverage?
  • I don’t drive much so do I pay less?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

What car insurance coverages do you need?

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Liability

This coverage can cover damage or injury you incur to other’s property or people. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, loss of income and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1995 Honda Accord.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, driving through your garage door, hitting a parking meter, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, dental work, ambulance fees, pain medications and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

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

Comprehensive can pay for claims like vandalism, hail damage, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.