How Much Does 1999 Honda Accord Insurance Cost?

Buyers have lots of choices when searching for the best price on Honda Accord insurance. You can either waste hours driving around trying to get quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for your Honda and locate the cheapest rates either online or from local insurance agents.

You need to shop coverage around at least once a year because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate for Accord insurance a year ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to properly buy coverages and cut your premium.

The method we recommend to compare car insurance company rates is to understand most larger insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details including how old drivers are, your education level, any included safety features, and whether you have decent credit. That rating data is instantly provided to multiple top-rated companies and you get price estimates instantly to find the best rate.

To compare rates for your 1999 Honda Accord now, click here and enter your coverage details.

Discounts to earn lower-cost auto insurance rates

Companies don’t always publicize all disounts in a way that’s easy to find, so we break down both well-publicized and the more hidden credits that you can use to lower your rates.

  • Senior Citizen Rates – Mature drivers may be able to get lower premium rates for Accord insurance.
  • Paper-free Discount – Certain auto insurance companies will give you a small discount for buying your policy on their website.
  • Telematics Data Discounts – People who choose to allow their auto insurance company to monitor driving patterns through the use of a telematics system such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Discount for New Cars – Insuring a new car can save you some money due to better safety requirements for newer vehicles.
  • Multiple Cars – Purchasing coverage when you have multiple cars or trucks with the same company qualifies for this discount.
  • Membership in Organizations – Having an affiliation with a professional or civic organization is a simple method to lower premiums on auto insurance.
  • Good Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for Accord insurance than less cautious drivers.
  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts compared to insureds who have frequent claims or accidents.

A quick disclaimer, most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that may include most of these discounts possibly include:

It’s a good idea to ask every insurance company how you can save money. All car insurance discounts may not apply to policyholders everywhere. To choose companies with discount rates, click here.

Insurance costs are influenced by these factors

Lots of factors are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are more obscure like your vehicle usage and annual miles driven.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Auto insurance policy lapses increase prices – Allowing your auto insurance policy to lapse can be a fast way to increase your rates. In addition to paying higher rates, failure to provide proof of insurance could earn you a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Physical damage deductibles – Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your Honda. Some coverage claims are a windshield shattered by a rock, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles state the amount of money you are required to spend before your auto insurance pays a claim. The more the insured is willing to pay, the lower your rates will be for Accord insurance.
  • Do you know you’re credit history? – Your credit history can be an important factor in your rate calculation. If your credit history is not that good, you could potentially save money when insuring your 1999 Honda Accord if you clean up your credit. Insureds with excellent credit tend to be more responsible than those with lower ratings.
  • City traffic equals higher prices – Choosing to live in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Fewer people translates into fewer accident claims and a lower car theft rate. Urban drivers have to deal with traffic congestion and more severe claims. Higher commute times means more chances of being involved in an auto accident.
  • Cheaper prices for being claim-free – If you are the type of insured that files lots of claims don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies generally give lower rates to policyholders who do not file claims often. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Your stress level may be raising your premiums – Jobs such as lawyers, social workers and medical professionals are shown to have the highest rates because of intense work situations and lengthy work days. On the flip side, jobs such as scientists, historians and the unemployed generally pay rates lower than average for Accord insurance.
  • Better drivers pay lower premiums – Being a careful driver has a big impact on rates. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Even one driving citation can bump up the cost to the point where it’s not affordable. People who have flagrant violations such as reckless driving or DUI might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if you would benefit from professional advice.

  • What is roadside assistance coverage?
  • How much liability insurance is required?
  • How can I force my company to pay a claim?
  • I have a DUI can I still get coverage?
  • What exactly is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if my car is in a flood?
  • Am I insured when driving a different vehicle?
  • Is my state a no-fault state?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like prosthetic devices, ambulance fees, EMT expenses, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane, vandalism, damage from flooding and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Accord resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, structural damage, medical services, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

More comparisons equals lower rates

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

Cheap 1999 Honda Accord insurance is possible online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies don’t offer internet price quotes and most of the time these small insurance companies provide coverage only through independent agents.

We just presented a lot of ways to save on 1999 Honda Accord insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a lesser-known regional company.

Additional information can be found on the following sites: