Cheaper 1997 Honda Accord Insurance Quotes

If price shopping insurance coverage quotes online is new to you, you can be bewildered by the large number of online insurance coverage companies and websites competing for business.

It’s a good idea to shop coverage around before your policy renews because insurance coverage prices change quite often. Despite the fact that you may have had the lowest rates on Accord insurance last year you may be paying too much now. You’ll find a ton of advice on insurance coverage out there, but in this article, you’re going to get some of the best ways to find cheap insurance coverage.

Buying car insurance is not rocket science. Basically, everyone who is required by state law to have car insurance will more than likely be able to cut their insurance bill. Nevertheless, car owners must understand the way companies sell online and take advantage of how the system works.

The method we recommend to compare car insurance rates utilizes the fact all the major auto insurance companies provide online access to compare rate quotes. To get started, all you need to do is provide the companies a bit of rating information including an estimate of your credit level, level of coverage desired, if you are currently licensed, and how your vehicles are used. The data is automatically sent to insurance companies and they return cost estimate almost instantly.

Cheap insurance quotes with discounts

Some providers don’t always publicize the entire discount list very clearly, so the next list breaks down some of the more common and also the more inconspicuous insurance savings.

55 and Retired – Seniors can possibly qualify for a small decrease in premiums on Accord insurance.
Passive Restraint Discount – Vehicles equipped with air bags can get savings as much as 30%.
New Vehicle Savings – Insuring a vehicle that is new can save up to 30% since newer models are generally safer.
Smart Student Discounts – This discount can save 20 to 25%. The good student discount can last until age 25.
Lower Rates for Military – Being deployed with a military unit could mean lower insurance rates.
Telematics Data Discounts – Drivers who agree to allow their company to study vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
Bundle and Save – If you insure your home and vehicles with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
Federal Employees – Simply working for the federal government could cut as much as 10% off on Accord insurance with some insurance companies.
Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut the amount you pay for coverage.

A list of companies and some of the discounts can be found below.

State Farm offers discounts including Drive Safe & Save, multiple autos, Steer Clear safe driver discount, safe vehicle, passive restraint, defensive driving training, and good driver.
Nationwide has discounts for multi-policy, Farm Bureau membership, anti-theft, family plan, defensive driving, and good student.
GEICO may offer discounts for multi-vehicle, multi-policy, anti-lock brakes, emergency military deployment, driver training, and military active duty.
AAA offers premium reductions for pay-in-full, multi-policy, education and occupation, AAA membership discount, and anti-theft.
21st Century offers discounts for theft prevention, homeowners, automatic seat belts, anti-lock brakes, driver training, 55 and older, and defensive driver.
The Hartford has savings for bundle, driver training, defensive driver, good student, and vehicle fuel type.

When quoting, ask all companies you are considering which credits you are entitled to. Some discounts might not be available to policyholders in your state. If you would like to choose from a list of providers that offer multiple discounts, follow this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

Will I be non-renewed for getting a DUI or other conviction?
What vehicles should carry emergency assistance coverage?
Is my 1997 Honda Accord covered for smoke damage?
What is no-fault insurance?
Does my 1997 Honda Accord need full coverage?
Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Get cheap insurance costs by understanding these factors

Many things are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other factors are more transparent like your vehicle usage or your vehicle rating.It’s important that you understand some of the things that play a part in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may result in cheaper rates.

The itemized list below are just a few of the factors used by companies to determine your prices.

Premiums are high for teenagers – Teen drivers have a tendency to be more careless when at the wheel of a vehicle so they pay higher car insurance rates. Older people are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.
Marriage can save on car insurance – Having a spouse can get you a discount when buying car insurance. Marriage usually means you are more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
Lower stress equals lower premiums – Occupations such as lawyers, business owners and financial analysts are shown to have higher rates than the rest of us because of stressful work requirements and extremely grueling work hours. Other occupations such as farmers, engineers and performers receive lower rates on Accord insurance.
Eliminate add-on coverages – There are a lot of extra bells and whistles that can waste your money on your Accord policy. Coverage for things like replacement cost coverage, towing, and Farm Bureau memberships may be wasting your money. They may sound like good ideas when talking to your agent, but if you don’t need them think about removing them and cutting costs.
Urban areas may pay more – Choosing to live in areas with lower population has definite advantages when it comes to car insurance. People who live in big cities regularly have much more traffic and longer commute times. Lower population means reduced accidents as well as less vandalism and auto theft.
A policy lapse can increase premiums – Driving without insurance coverage in place is illegal and companies may charge more for letting your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you fines and jail time.

Auto insurance coverages explained

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, emergency aid, pain and suffering, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Accord.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Lower-priced 1997 Honda Accord insurance is possible on the web and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these small, regional companies prefer to sell through independent agents.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, unfair underwriting practices and an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is easier than you think.

As you shop your coverage around, you should never buy poor coverage just to save money. There are too many instances where someone dropped collision coverage only to regret that the savings was not a smart move. Your focus should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.