View 2013 Honda Accord Insurance Quotes

Expensive Honda Accord insurance can eat up your family’s budget and possibly require you to analyze your spending habits.

Drivers have multiple auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates.

The cheapest insurance quotes

Comparing insurance rates is a ton of work if you aren’t aware of the most efficient way. You could waste time driving to local insurance agents in your area, or you could use online quoting to maximize your effort.

The majority of car insurance companies take part in a program where insurance shoppers submit one quote, and every company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions to each company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which carriers you want pricing from. So if you want to choose individual companies to compare rates, we have a page of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you are using identical coverage limits on every quote. If the quotes have differing limits then you won’t be able to truly determine the lowest rate. Even a minor difference in coverage limits may cause a big price difference. And when quoting insurance, remember that making a lot of price comparisons provides better odds of finding more affordable rates. Not every company allows you to get quotes online, so you should also compare prices from the smaller companies as well.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Should I have a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • Does my car insurance cover rental cars?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have newly-aquired coverage?
  • Is my Honda Accord covered if I use it for business?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, rock chips in glass, vandalism, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as funeral costs, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, medical services and bail bonds. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision protection

This will pay to fix damage to your Accord caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Honda Accord.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.