2016 Honda Accord Insurance Quotes

Trying to find lower car insurance rates for your Honda Accord? Are you a victim of an overpriced car insurance policy? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out. Vehicle owners have multiple auto insurance companies to pick from, and even though it’s nice to be able to choose, it makes it harder to locate the cheapest rates.

Compare insurance coverage rate quotes

Most companies allow you to get pricing from their websites. Comparing rates online is pretty painless as you just enter into a form. After you submit the form their system will order your driving and credit reports and gives you a price quote. This simplifies rate comparisons, but the process of having to visit several different sites and type in the same data is a big time waster. But it’s very important to perform this step in order to get the lowest price.

There is a better way!

An easier way to find better insurance coverage pricing utilizes a single form that obtains quotes from several companies at one time. It saves time, requires less work, and makes online shopping much easier. After your information is entered, it is quoted and you can select any or none of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the policy. It takes 15 minutes at the most and can result in significant savings.

In order to find out what other companies charge, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits exactly as they are listed on your policy. This ensures you will have an apples-to-apples comparison using the exact same coverages.

Cheaper rates by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specially asked for before being credited.

• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
• Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
• Driver Training Discounts – Successfully completing a driver safety course could save 5% or more if you qualify.
• Distant Student Discount – Children who are attending college and do not have access to a covered vehicle could get you a discount.
• Service Members Pay Less – Being deployed in the military could mean lower premium rates.
• Early Signing – Some larger companies reward drivers for buying a policy prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.
• Safety Restraint Discount – Drivers who require 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.
• Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy could earn a price break for each car.

Discounts lower rates, but most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

For a list of companies who offer online auto insurance quotes, follow this link.

How much auto insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight if you may require specific advice.

• Is my Honda Accord covered if I use it for business?
• Do I have coverage if my license is suspended?
• Can I rate high risk drivers on liability-only vehicles?
• Does liability extend to a camper or trailer?
• What companies insure drivers after a DUI or DWI?
• What is the difference between comprehensive and collision coverage?
• When can I cancel my policy?
• Are my friends covered when driving my 2016 Honda Accord?
• Why do I need rental car insurance?
• Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

The coverage is in the details

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses such as funeral costs, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision coverage – This will pay to fix damage to your Accord resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, attorney fees, medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a deer and fire damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.