1990 Honda Accord Car Insurance Rates – 7 Discounts for Best Quotes

Looking for lower insurance coverage rates for your Honda Accord? Do you think you bought an overpriced insurance coverage policy? It’s a common feeling and there are many drivers thinking the same thing. Due to the fact that there are so many insurance companies to choose from, it’s nearly impossible to locate the most cost effective insurance coverage provider.

It’s smart to take a look at other company’s rates quite often because insurance prices tend to go up over time. If you had the best quotes on Accord coverage six months ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

How much does insurance cost?

There are multiple methods to compare insurance prices but some are less labor-intensive and much quicker. You could spend the better part of a day driving to local insurance agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company provides a quote. This system prevents you from having to do form submissions for each company.

To compare rates now click to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the insurers to get quotes from. So if you want to choose specific providers to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just be sure you’re using the exact same coverages on every quote you get. If your comparisons have different liability limits then you won’t be able to find the best deal for your Honda Accord.

Will just any policy work for me?

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Am I covered when driving a rental car?
  • Should I carry comprehensive and collision coverage?
  • Can I still get insurance after a DUI?
  • Where can I find DUI or SR-22 insurance?
  • What discounts do I qualify for?
  • Who is covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses like funeral costs, chiropractic care, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance 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 it provides additional coverages not offered by medical payments coverage

Liability – This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision coverages – Collision insurance covers damage to your Accord resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims 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. So UM/UIM coverage is a good idea.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.