Save on 1997 Honda Accord Insurance Cost

Searching for better car insurance rates for your Honda Accord? Paying for high-priced Honda Accord insurance can deplete your family’s budget and make it hard to pay other bills.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings with TV and radio ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

Don’t miss these rate-reducing discounts

Auto insurance is neither fun to buy or cheap, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some may not be applied and must be requested specifically prior to receiving the credit. If they aren’t giving you every credit you deserve, you are just wasting money.

  • Early Switch Discount – Some insurance companies give discounts for renewing your policy prior to your current policy expiration. It’s a savings of about 10%.
  • Professional Memberships – Being in a professional or civic organization could qualify you for a break when getting a auto insurance quote.
  • Senior Citizen Rates – Mature drivers can possibly qualify for lower premium rates for Accord coverage.
  • Discounts for Multiple Vehicles – Insuring multiple cars on one policy qualifies for this discount.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Federal Employees – Simply working for the federal government may reduce rates when you quote auto insurance for Accord coverage with certain companies.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
  • Good Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates for Accord coverage compared to accident prone drivers.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

Larger auto insurance companies and some of the discounts are included below.

  • Esurance may have discounts that include multi-policy, multi-car, Switch & Save, paid-in-full, Pac-12 alumni, and claim free.
  • The Hartford offers discounts for driver training, air bag, defensive driver, bundle, good student, vehicle fuel type, and anti-theft.
  • AAA has discounts for pay-in-full, education and occupation, multi-policy, AAA membership discount, anti-theft, and multi-car.
  • Geico offers discounts including seat belt use, good student, defensive driver, daytime running lights, emergency military deployment, and anti-lock brakes.
  • State Farm may include discounts for driver’s education, good driver, defensive driving training, good student, and accident-free.

If you are trying to find cheap auto insurance quotes, ask each insurance company which discounts can lower your rates. Savings might not be available to policyholders in your area. To view providers offering auto insurance discounts, click here to view.

How to compare insurance coverage rate quotes

Most larger insurance companies make it easy to get insurance quotes on their websites. Comparing prices online is fairly straightforward as you simply type in the amount of coverage you want into the quote form. Behind the scenes, the system orders reports for credit and driving violations and returns a price based on the data you entered. Being able to quote online streamlines rate comparisons, but the process of having to visit different websites and fill out multiple forms gets old quite quickly. But it is imperative to get many rate quotes in order to find the best price possible.

There is an easier way!

The smarter way to find better insurance coverage pricing makes use of a single form to obtain quotes from many companies. The form is fast, requires much less work on your part, and makes comparison shopping a lot less work. Once the form is submitted, it gets priced and you can choose your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you type in the coverages identical to your current policy. Doing this assures you will be getting rate comparison quotes based on the exact same insurance coverage.

Why you might pay higher rates

Many things are considered when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are less apparent like your vehicle usage or your financial responsibility.Consumers need to have an understanding of the rating factors that aid in calculating your policy premiums. If you have a feel for what influences your rates, this allows you to make good choices that can help you get lower premium levels.

Listed below are a few of the “ingredients” that factor into rates.

  • Do you really need to file that insurance claims? – If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Companies generally give better rates to people who do not file claims often. Your insurance policy is meant to be used in the event of more catestrophic claims.
  • Cheaper rates with high coverage deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Honda. Examples of covered claims are running into the backend of another car, flood damage, and damage caused by flying debris. Your deductibles are the amount of money the insured will be required to pay in the event of a claim. The more money you’re willing to pay, the lower your rates will be for Accord coverage.
  • Married people drive safer – Having a wife or husband can actually save you money when buying insurance. Marriage means you’re more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Save mileage and save money – The higher the mileage driven each year the more you’ll pay to insure it. The majority of insurers charge rates based on how the vehicle is used. Cars that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage correctly shows the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Accord can cost quite a bit.
  • Rates increase with policy add-ons – There are a lot of extra add-on coverages that you can buy on your Accord policy. Coverages like coverage for rental cars, better glass coverage, and term life insurance are probably not needed. You may think they are a good idea initially, but if you have no use for them get rid of them and save.
  • Traffic violations increase rates – A bad driving record impacts your car insurance rates tremendously. Attentive drivers pay less for auto insurance than people who have multiple driving citations. Having a single chargable violation may increase your cost by as much as twenty percent. Drivers with multiple tickets like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Liability protection risk factors in – Your insurance policy’s liability coverage is the protection if ever a jury decides you are liable for causing personal injury or damage in an accident. It provides for a legal defense to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.

Do I need special coverages?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I not file a claim?
  • Is my camper covered by my car insurance policy?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • Can I make deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Smaller companies may have the best rates

Popular insurance providers such as Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all state the claim that people will save if you move to their company. How does every company offer you a better deal? Here is the trick they use.

All companies have a certain “appetite” for the type of driver that will most likely be profitable. An example of this type of driver may be a female over age 40, has few claims, and does not commute to work. Any new insured who meets those qualifications will get a cheap rate quote and will most likely save some money.

Potential insureds who don’t qualify for those criteria will probably be forced to pay higher prices with the end result being the customer not purchasing. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can advertise the way they do.

Different companies use different criteria so it’s extremely important to compare as many free auto insurance quotes as you can. It’s just not possible to know with any certainty which company will provide you with the cheapest prices.

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, a broken windshield, hail damage and hitting a bird. The highest amount a 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 it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, doctor visits, pain medications, hospital visits and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, pain and suffering, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision – This will pay to fix damage to your Accord resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Do the work, save more money

When searching for low cost auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest price, but do not skimp to save money.

Cheaper 1997 Honda Accord insurance can be sourced both online and also from your neighborhood agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not offer online price quotes and most of the time these smaller providers sell through local independent agents.

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