1992 Honda Accord Insurance Quotes

Want lower insurance rates for your Honda Accord? Have you fallen victim to overpriced insurance? Trust us when we tell you there are lots of residents who feel the same.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the definite best price available.

It is always a good idea to do rate comparisons occasionally since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Accord insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to learn the quickest way to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to cut costs considerably using these tips. Buying car insurance is easy if you know what you’re doing. But consumers do need to know how big insurance companies sell online.

Lower-cost auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts that can help lower your rates. Many of these discounts will be applied automatically at the time you complete a quote, but occassionally some discounts must be asked for before you will receive the discount.

No Charge for an Accident – Not really a discount, but some insurance companies will let one accident slide before they charge you more for coverage if your claims history is clear for a certain period of time.
Telematics Data – Insureds that choose to allow driving data submission to spy on driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
Good Student Discount – Excelling in school can save 20 to 25%. You can use this discount normally up to age 25.
Discounts for Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Accord insurance than their less cautious counterparts.
Drivers Ed for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase life insurance.
Distant Student Discount – College-age children who live away from home at college and do not take a car to college can be insured at a reduced rate.
Defensive Driver Discount – Taking time to complete a defensive driver class is a good idea and can lower rates and also improve your driving technique.
Save with More Vehicles Insured – Buying coverage for all your vehicles on the same auto insurance policy can get a discount on all vehicles.

Just know that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

To choose insurance companies who offer discounts, follow this link.

How to buy auto insurance online

Shopping for lower auto insurance rates can be challenging if you aren’t aware of the most efficient way. You could waste time driving to agents in your area, or you could use online quotes to get pricing more quickly.

Many of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and each participating company then gives them pricing based on that information. This saves time by eliminating form submissions to every company.

To use this form to compare rates click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which companies to receive prices from. So if you want to select specific insurance companies to receive pricing from, we have a page of companies who write auto insurance in your area. Click here to view list.

Compare rates however you want, just be sure you’re using the exact same deductibles and coverage limits on every quote you get. If you enter different deductibles it will be nearly impossible to determine which company has the best rates. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps locate more affordable rates.

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What affects Honda Accord insurance premiums?

Many factors are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but other criteria are less apparent such as your marital status or how safe your car is.

Listed below are some of the factors utilized by car insurance companies to help set your premiums.

Compare rates if you combine your policies – Lots of insurance coverage companies will give lower prices to buyers that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, consumers should still comparison shop to verify if the discount is saving money.
Vehicle options that lower prices – Choosing to buy a car that has a built-in theft deterrent system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.
Avoid traffic tickets – Having just one speeding ticket or other violation could increase your next policy renewal forty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who have received dangerous tickets such as DUI, reckless driving or excessive speeding may need to file a SR-22 with their state’s department of motor vehicles in order to continue driving.
Poor credit can mean higher premiums – Having a bad credit score factor in calculating your premium rate. Therefore, if your credit rating could use some work, you could pay less to insure your 1992 Honda Accord by taking the time to improve your credit score. Drivers with very good credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
Lower stress equals lower premiums – Occupations like judgesair traffic controllers and emergency personnel usually pay higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. On the other hand, occupations like professors, students and homemakers have lower than average premiums on Accord insurance.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if you may require specific advice.

Am I covered by my spouse’s policy after a separation?
When should I remove comp and collision on my 1992 Honda Accord?
How can I find cheaper teen driver insurance?
Is other people’s property covered if stolen from my vehicle?
Do I have coverage for damage caused while driving under the influence?
Can I rent a car in Mexico?
Is my business laptop covered if it gets stolen from my vehicle?
How high should deductibles be on a 1992 Honda Accord?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Save $404 a year? Really?

Popular auto insurance providers such as State Farm, GEICO and Progressive regularly use television and radio advertisements. All the companies make an identical promise that you can save just by moving to their company. Is it even possible that every company can charge you less for car insurance? This is how they do it.

Companies have a preferred profile for the type of driver that earns them the highest profit. A good example of this type of risk profile should be between 25 and 40, insures multiple vehicles, and drives a safe vehicle. A customer getting a price quote who matches those parameters is entitled to the best price and most likely will cut their rates if they switch.

People who do not fit these stringent criteria may be forced to pay higher rates which leads to the customer buying from someone else. The trick is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how companies can make the claims of big savings.

Because every company is different, you need to compare many company’s premium rates. It is just not possible to predict which insurance companies will provide you with the cheapest car insurance rates.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Collision insurance

This covers damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, rolling your car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from flooding and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like X-ray expenses, funeral costs, ambulance fees and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Accord.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Coverage for liability

Liability insurance will cover damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of 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 values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Shop smart and save

Some insurance providers may not provide price quotes online smaller providers only sell coverage through independent agencies. Lower-priced 1992 Honda Accord insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture.

As you restructure your insurance plan, never reduce needed coverages to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

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