Cheap 1994 Honda Accord Insurance Quotes

If you’ve never shopped for insurance quotes online, it’s easy to get overwhelmed by the diversity of local and online companies all advertising big savings.

Consumers need to compare premium rates every six months because insurance prices change regularly. If you had the best price for Accord insurance six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance out there, but we’re going to give you some of the best techniques to buy insurance cheaper.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Locating affordable insurance is not that difficult. But drivers must learn how insurance companies determine prices and take advantage of how the system works.

The quickest method we recommend to compare rates is to know the fact most larger insurance companies will pay a fee to compare their rates. The one thing you need to do is give them rating details like whether you are married, how your vehicles are used, if you have an active license, and if a SR-22 is required. That rating data is instantly provided to multiple different insurance companies and you will get price comparisons with very little delay.

If you would like to start a quote now, click here and complete the form.

Lower rates by qualifying for discounts

Auto insurance is expensive, but you may find discounts to reduce the price significantly. Some discounts will apply when you quote, but some discounts are required to be asked for before they will apply.

  • Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and will save you 10% or more.
  • New Vehicle Savings – Adding a new car to your policy can save you some money because new model year vehicles keep occupants safer.
  • Defensive Driver – Successfully completing a course that instructs on driving safety may get you a small discount if you qualify.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Accord insurance with select insurance companies.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Senior Citizen Discount – Seniors can get a small discount on rates for Accord insurance.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of providers who offer auto insurance discounts, click here to view.

Smart buyers can lower insurance rates

Many factors are part of the calculation when pricing auto insurance. Some are obvious such as your driving record, but others are not quite as obvious such as whether you are married or your commute time.

  • How credit score affects car insurance premiums – Having a bad credit score factor in your rate calculation. Therefore, if your credit history leaves room for improvement, you may save money insuring your 1994 Honda Accord if you improve your credit rating. People with good credit tend to be more responsible and file fewer claims than those with lower credit scores.
  • Does auto insurance cost more for men? – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that females are better drivers. They both are responsible for fender benders in similar percentages, but men have accidents that have higher claims. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Do you really need the incidental coverages? – Policies have optional add-on coverages that can add up if you aren’t careful. Insurance for things like coverage for rental cars, death and dismemberment, and membership fees may be costing you every month. They may seem like a good idea when buying your policy, but if you have no use for them get rid of them and save.
  • Certain vocations pay higher rates – Do you have a high-stress occupation? Jobs like military generals, executives and dentists generally have higher premium rates due to high stress levels and incredibly demanding work hours. Other jobs like actors, historians and performers have lower than average premiums for Accord insurance.
  • Get cheaper premiums after the wedding – Getting married actually saves money on car insurance. Having a spouse demonstrates that you tend to be more responsible it has been statistically shown that being married results in fewer claims.

Auto insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Am I covered if I break a side mirror?
  • Should I rate my 1994 Honda Accord as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy only the required minimum liability coverage?
  • What is an SR-22 filing?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form.

Buyer beware of auto insurance advertising tricks

Big name companies like State Farm, Allstate and GEICO constantly bombard you with television, radio, and online ads. All the ads make an identical promise about saving some big amount after switching to their company. How does every company have lower policy pricing? This is the way they can do it.

Most companies give the best rates for the driver that will not have excessive claims. For instance, this type of risk profile might be described as over the age of 50, has no driving citations, and the vehicle is rated for pleasure use. Any driver who meets those qualifications will probably get cheap car insurance rates and have a good chance to save quite a bit of money when switching.

Insureds who do not match this ideal profile will probably have to pay a higher rate which translates to business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently make those claims. Each company has different criteria, so you need to do a price quote comparison at every renewal. It’s just not possible to know with any certainty which company will be your best fit.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as medical services, pain and suffering, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your Accord resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 1994 Honda Accord.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, falling objects and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, pain medications, funeral costs, X-ray expenses and surgery. They are often 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 as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Better coverage you can count on

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

More affordable insurance coverage is possible from both online companies and from local insurance agents, so you should compare both to have the best rate selection. Some insurance coverage companies may not offer the ability to get a quote online and usually these smaller providers work with independent agencies.

Insureds change insurance companies for many reasons like denial of a claim, delays in responding to claim requests, policy cancellation and questionable increases in premium. Regardless of your reason for switching companies, switching insurance coverage companies can be easier than you think.

More tips and info about insurance coverage can be found by following these links: