Cheaper 2018 Honda Accord Insurance Quotes

Want cheaper insurance rates? Drivers have many options when trying to find affordable Honda Accord insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates and you need to know the proper way to quote coverages for a new or used Honda and obtain the lowest possible price.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance prices change quite often. Just because you had the best deal on Accord insurance two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

The easiest way to compare insurance rates from multiple companies is to understand most of the bigger providers participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is give the companies some data like how old drivers are, any included safety features, how you use your vehicles, and whether you have decent credit. Your information is sent automatically to many different companies and you receive quotes almost instantly.

To compare rates now, click here then complete the form.

Discount insurance rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be manually applied before they will apply.

No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
Telematics Discount – Policyholders that allow companies to spy on driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
Paperwork-free – Certain insurance companies may give you up to $50 get insurance online.
Low Miles Discount – Driving less may enable drivers to earn discounted premium rates on garaged vehicles.
Military Discounts – Being on active deployment in the military could trigger a small discount.
Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote insurance on Accord insurance depending on your company.
Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
Homeowners Savings – Simply owning a home may trigger a policy discount on insurance because owning a home demonstrates responsibility.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

Companies and a selection of discounts can be read below.

Farm Bureau offers premium reductions for multi-vehicle, multi-policy, youthful driver, 55 and retired, and safe driver.
State Farm may include discounts for student away at school, driver’s education, multiple policy, anti-theft, passive restraint, and Steer Clear safe driver discount.
Progressive policyholders can earn discounts including multi-policy, good student, homeowner, multi-vehicle, online quote discount, continuous coverage, and online signing.
Allstate includes discounts for premier discount, FullPay discount, new car, multi-policy, farm vehicle, and premier plus.
Nationwide may offer discounts for good student, family plan, business or organization, multi-policy, and anti-theft.
MetLife offers discounts for claim-free, good driver, accident-free, good student, multi-policy, defensive driver

If you want the cheapest insurance quotes, ask each insurance company to give you their best rates. Some of the discounts discussed earlier might not apply in every state.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

How do I file an SR-22 for a DUI in my state?
When would I need additional glass coverage?
When does my teenage driver need to be added to my policy?
Does my policy cover me when driving someone else’s vehicle?
Why do I need rental car insurance?
Do I need medical payments coverage since I have good health insurance?
Does my liability insurance cover pulling a trailer or camper?
Are rock chip repairs covered?
Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2018 Honda Accord.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, ambulance fees, pain medications, hospital visits and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your Accord caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, medical expenses, court costs, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, falling objects, a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.