Compare 2009 Honda Accord Car Insurance Quotes

Scraping up a payment for overpriced Honda Accord insurance can take a big chunk out of your savings and force you to cut corners elsewhere. Insurance companies such as State Farm, Allstate, Geico and Progressive continually hit you with ad campaigns and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers only need to know the most efficient way to get comparison rates online.

Components of your Honda Accord insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate the price you pay for auto insurance. When you understand what determines premiums, this empowers consumers to make smart changes that could result in lower rates. Many things are part of the calculation when premium rates are determined. Some are pretty understandable like your driving record, but other criteria are less obvious such as your marital status or your commute time.

The items below are some of the items auto insurance companies consider when setting rates.

  • Urban areas may pay more – Residing in smaller towns and rural areas of the country may provide you with better prices when it comes to auto insurance. Lower population means reduced accidents and a lower car theft rate. Residents of big cities have congested traffic and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
  • Low stress occupation equals lower premiums – Did you know your auto insurance rates can be affected by your occupation? Careers like military generalspolice officers and financial analysts usually pay higher average rates in part from high stress levels and lots of time spent away from family. On the flip side, careers like actors, historians and the unemployed have the lowest average rates for Accord coverage.
  • Auto insurance claims cost money – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies give lower rates to policyholders that do not abuse their auto insurance. Your car insurance is intended to be relied upon for more catestrophic claims.
  • Liability protection risk factors in – A critical coverage on your policy, liability insurance will provide protection in the event that a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Age of drivers impacts costs – More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets.Young drivers tend to be less responsible when at the wheel of a vehicle so auto insurance rates are higher.
  • Responsible drivers have lower prices – Drivers who don’t get tickets pay lower auto insurance prices compared to drivers with tickets. Just one speeding ticket may cause rates to rise by twenty percent. Drivers unfortunate enough to have careless violations such as DUI or reckless driving may find they need to prove financial responsibility to the state department of motor vehicles in order to continue driving.
  • Raising comp and collision deductibles lowers costs – Deductibles for physical damage state the amount of money you are required to pay before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more of the claim you have to pay, the better rate you will receive for Accord coverage.

How to shop insurance coverage online

All the larger insurance coverage companies such as 21st Century, Allstate and State Farm provide coverage prices online. Comparing rates online is quite easy as you just enter your personal and coverage information into the quote form. After you complete the form, the company’s rating system pulls your driving and credit reports and returns a price. Being able to quote online makes comparing rates easy, but the time it takes to visit a lot of sites and type in your information is not the best way to spend an afternoon. But it’s also necessary to compare as many rates as possible if you want to find better prices.

Keep reading for an easier way to compare prices

A better way to locate the lowest prices uses just one form that gets prices from more than one company. This type of form saves time, reduces the work, and makes rate comparisons much more efficient. After your information is entered, it gets priced and you can select any of the pricing results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To get comparison pricing now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you copy deductibles and limits exactly as they are listed on your policy. This makes sure you will get a rate comparison based on identical coverages.

Find hidden discounts to get affordable auto insurance quotes

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but a few must be asked for before you will receive the discount.

  • New Car Discount – Insuring a vehicle that is new can save up to 30% because newer vehicles keep occupants safer.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Accident Waiver – but some companies like Liberty Mutual and Geico may permit one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Driver’s Education for Students – Teen drivers should complete a driver education course if it’s offered in school.
  • Renewal Discounts – Some companies reward drivers for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.

Just know that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of auto insurance companies and some of the premium reductions they offer can be read below.

  • 21st Century may include discounts for anti-lock brakes, theft prevention, 55 and older, defensive driver, and early bird.
  • State Farm has savings for accident-free, Drive Safe & Save, good student, multiple autos, multiple policy, and passive restraint.
  • AAA offers discounts for AAA membership discount, multi-policy, anti-theft, good student, pay-in-full, and education and occupation.
  • Liberty Mutual offers premium reductions for newly retired, safety features, multi-car, new graduate, new move discount, good student, and newly married.
  • Progressive may offer discounts for continuous coverage, online quote discount, good student, multi-policy, homeowner, and multi-vehicle.

When quoting, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of auto insurance companies with significant discounts, click here.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if your situation may require specific advice.

  • Do I need an umbrella policy?
  • Does my personal policy cover me when driving out-of-state?
  • Am I insured when driving a different vehicle?
  • If I drive on a suspended license am I covered?
  • Why do I need rental car insurance?
  • Should I have a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Having a good grasp of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverages – This provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as structural damage, pain and suffering and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, rock chips in glass, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries 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.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for rehabilitation expenses, hospital visits, doctor visits, ambulance fees and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Smart consumers save more

We covered some good ideas how to get a better price on 2009 Honda Accord insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from the least-expected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

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