Save on 1998 Honda Accord Insurance Rates

Having to pay for overpriced auto insurance can drain your personal savings and make it impossible to make ends meet. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Vehicle owners have multiple auto insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

It’s important to take a look at other company’s rates at least once a year because auto insurance prices change frequently. Even if you got the lowest rate for Accord coverage a year ago other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

Buying the best protection is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Consumers only need to know the tricks to compare company rates on the web.

Insurance coverage quotes comparison

Most of the larger companies allow you to get coverage prices on the web. Getting online quotes is quite easy as you just enter on the page. When complete, the system orders your driving record and credit report and returns a price based on the information you submitted. This makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same data is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible if you want to get the best price on insurance coverage.

There is a better way!

The quickest way to lower your rates utilizes a single form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. After sending your information, it is rated with multiple companies and you can pick any or none of the pricing results.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

In order to compare rates using this form now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you input the insurance coverages identical to your current policy. This helps ensure you will have a price comparison based on similar coverages.

Drivers can save with with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even know about. Certain credits will be shown when you complete an application, but some need to be asked about prior to getting the savings.

  • Discount for Swiching Early – Some insurance companies provide a discount for switching policies before your current coverage expires. You could save around 10% when you buy auto insurance online.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of up to 25% or more.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Waiver for an Accident – Not a discount per se, but some companies like Progressive, Allstate, and GEICO may permit one accident before raising your premiums so long as you are claim-free for a certain period of time.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • New Car Discount – Buying insurance coverage on a new vehicle can save you some money because new model year vehicles are generally safer.

As is typical with insurance, most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way.

A few companies that may include some of the discounts shown above include:

If you need low cost auto insurance quotes, ask each company or agent how many discounts you can get. Discounts might not be offered on policies in your area.

Your situation helps dictate your coverage

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • Are split liability limits better than a combined single limit?
  • Should I put collision coverage on all my vehicles?
  • Why does it cost so much to insure a teen driver?
  • How do I insure my teen driver?
  • Can I get a multi-policy discount?
  • Is pleasure use cheaper than using my 1998 Honda Accord to commute?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

What car insurance coverages do you need?

Having a good grasp of car insurance can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive coverage

This pays to fix your vehicle from 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 can pay for things such as damage from flooding, hail damage and damage from getting keyed. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1998 Honda Accord.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, damaging your car on a curb, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Liability auto insurance

This will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as court costs, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as pain medications, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible