2015 Honda Accord Car Insurance Quotes

Searching for the cheapest car insurance rates for your Honda Accord? Have you finally had enough of robbing Peter to pay Paul to make your car insurance payment? You are no different than the majority of other drivers. Due to the fact that there are so many options, it’s nearly impossible to locate the most cost effective insurance company.

How to get cheap insurance coverage

There are a lot of ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Most major companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company then gives them pricing. This eliminates the need for quotation requests for every insurance coverage company. To use this form to compare rates click here (opens in new window).

The one downside to comparing rates this way is that you can’t choose the companies you want to price. So if you want to select specific providers to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you are using exactly the same coverages with every price quote. If you compare different deductibles it will be nearly impossible to make an equal comparison.

Insurance coverage ads are enticing

Consumers can’t avoid all the ads that claim the cheapest rates by State Farm, Geico and Progressive. All the ads advertise claims that you’ll save big after switching your policy.

How does each company make almost identical claims? Here is the trick they use.

Different companies have strict underwriting profiles for the type of driver they prefer to insure. For instance, a driver they prefer could be over the age of 40, has a low-risk occupation, and drives a lower-performance vehicle. A propective insured that meets those criteria receive the lowest rate quotes as well as save when they switch companies.

People who may not quite match these stringent criteria will see higher prices which results in the customer not purchasing. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make those claims.

That is why you absolutely need to compare rate quotes every year. It is impossible to guess which company will provide you with the cheapest car insurance rates.

Learn how to lower your insurance prices

Multiple criteria are used when you get your auto insurance bill. Some are obvious such as traffic violations, but others are more transparent such as whether you are married or your commute time.When buying insurance it’s important to understand some of the factors that help calculate the price you pay for insurance. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could help you find lower premium levels.

The items below are some of the most common factors that factor into prices.

  • Never go without insurance – Not having insurance is not a good idea and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance may result in a steep fine or even jail time.
  • Are males or females drivers cheaper? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males cause fender benders in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident so it costs more to insure them.
  • Cheaper rates after marriage – Walking down the aisle may save some money compared to being single. Marriage may mean you are more mature than a single person and statistics show being married results in fewer claims.
  • Poor credit history equals high premiums – Having a bad credit score is a big factor in determining what you pay for insurance. Drivers who have very good credit scores tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit rating leaves room for improvement, you could be paying less to insure your 2015 Honda Accord if you clean up your credit.
  • Age of drivers impacts rates – Teenage drivers are statistically shown to be easily distracted with other occupants in the car so insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims .
  • Theft deterrents systems cut insurance rates – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Insurance rates may be lower depending on your job – Occupations such as judges, executives and accountants generally have higher premium rates in part from job stress and long work days. On the other hand, careers such as actors, athletes and retirees get better rates on Accord insurance.
  • Safer cars cost less to insure – Safer cars tend to have lower insurance rates. Highly rated vehicles reduce injuries and better occupant protection means less claims paid which can mean better rates for you.

Pay discount rates these discounts

Insurance coverage is expensive, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before being credited.

  • 55 and Retired – Drivers over the age of 55 can get a discount up to 10% on Accord insurance.
  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
  • Club Memberships – Belonging to a civic or occupational organization can get you a small discount on your next insurance coverage statement.
  • Bundled Policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find inexpensive car insurance.
  • Drive Less and Save – Fewer annual miles on your Honda may allow you to get better premium rates on cars that stay parked.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
  • Distant Student – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.

Don’t be shocked that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower your overall bill.

A partial list of companies that may offer quotes with many of the previously listed discounts are:

When quoting, ask each insurance company how you can save money. All car insurance discounts may not apply to policies in your area.

Special considerations

When choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • What is PIP insurance?
  • Am I covered when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • How do I file an SR-22 for a DUI in my state?
  • How much liability coverage do I need in my state?
  • Is rental equipment covered for theft or damage?
  • Is my ex-spouse still covered by my policy?
  • Is business property covered if stolen from my car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance 101

Having a good grasp of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, rolling your car, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability – Liability coverage provides protection from damage that occurs to a person or their property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like structural damage, bail bonds, legal defense fees and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2015 Honda Accord.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, dental work, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a bird, vandalism, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In Summary

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

There are still a few companies who don’t offer internet price quotes and most of the time these small, regional companies provide coverage only through independent agencies. Lower-priced 2015 Honda Accord insurance is possible on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates.

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