Save on 1996 Honda Accord Car Insurance Rates

Want lower insurance rates for your Honda Accord? Feeling guilty for buying overpriced insurance? Say no more because there are many consumers feeling the pinch from expensive insurance. Big companies like Progressive, State Farm and GEICO continually bombard you with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It’s a good idea to take a look at other company’s rates before your policy renews since insurance prices tend to go up over time. If you had the best rate for Accord insurance a year ago you may be paying too much now. Block out anything you think you know about insurance because we’re going to show you the fastest and easiest way to properly buy coverages and cut your premium.

If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to learn the most efficient way to get comparison quotes over the internet.

First Step: Get free car insurance quotes

There are multiple methods you can shop for car insurance but some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many popular insurance companies take part in a program where insurance shoppers send in one quote, and every company provides a quote for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for. To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of system is you can’t choose which carriers you will receive quotes from. So if you want to select individual companies to receive pricing from, we have assembled a list of car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you compare equivalent quote data for each quote you get. If you use different liability limits it’s impossible to make an equal comparison.

Buy cheap car insurance with these tips

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other factors are more transparent such as your credit history or how safe your car is.

The list below includes some of the factors car insurance companies consider when setting premiums.

  • Alarm systems save money – Choosing a vehicle with an alarm system can help lower your premiums. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Which gender costs less? – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean females are better at driving than males. Men and women are responsible for accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also get more serious tickets such as reckless driving. Males from age 16 to 21 tend to get in the most accidents and thus pay the highest rates.
  • Urban areas may pay more – Having an address in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Residents of big cities tend to have congested traffic and more severe claims. Fewer drivers on the road means fewer accidents.
  • Do you save by driving less? – The more miles you rack up on your Honda in a year’s time the more you will pay for car insurance. Many insurance companies apply a rate determined by how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your Accord may be costing you. It’s a good idea to make sure your policy is rated on annual mileage, because improper ratings can cost you money.
  • Use one insurance company and save – Many insurance companies apply a discount to insureds that have more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still compare rates to guarantee you are still saving the most.

Auto Insurance Discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but lesser-known reductions have to be asked about in order for you to get them.

  • Low Miles Discount – Low mileage vehicles can earn better premium rates on cars that stay parked.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for newer vehicles.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts as much as 30%.
  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Home Ownership Discount – Just being a homeowner can earn you a little savings because owning a home is proof of financial responsibility.

Remember that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will bring down your auto insurance premiums.

A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm offers premium reductions for driver’s education, good student, Drive Safe & Save, Steer Clear safe driver discount, good driver, safe vehicle, and accident-free.
  • Progressive includes discounts for continuous coverage, online quote discount, multi-policy, multi-vehicle, and good student.
  • Progressive may offer discounts for good student, online quote discount, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • MetLife may have discounts that include good driver, good student, accident-free, claim-free, defensive driver, multi-policy
  • Farm Bureau may include discounts for multi-policy, youthful driver, good student, safe driver, and driver training.
  • GEICO has discounts for military active duty, anti-lock brakes, multi-vehicle, good student, multi-policy, membership and employees, and federal employee.
  • SAFECO policyholders can earn discounts including bundle discounts, teen safe driver, drive less, multi-car, and teen safety rewards.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. To see auto insurance companies who offer free auto insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Why am I required to buy high-risk coverage?
  • How much liability insurance is required?
  • Is my ex-spouse still covered by my policy?
  • Do I need roadside assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Does my car insurance cover rental cars?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Liability coverage

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

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

Collision insurance

This coverage pays for damage to your Accord resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, driving through your garage door, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many cases, drivers have reduced full coverage only to discover later that the savings was not a smart move. The goal is to find the BEST coverage at a price you can afford.

Lower-priced insurance coverage is definitely available online as well as from independent agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some insurance coverage companies may not provide rates over the internet and many times these small insurance companies sell through independent agents.

We just presented a lot of tips how to shop for 1996 Honda Accord insurance online. The key thing to remember is the more you quote insurance, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

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