Save on 1999 Honda Accord Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Honda Accord? Are you at wits end from paying out the nose to pay auto insurance each month? You are in the same boat as many other drivers.

You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to get the best deal.

Consumers should take time to compare prices occasionally because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for Accord coverage a year ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

Locating the best insurance coverage coverage is simple if you know the tricks. In a nutshell, everyone who has to buy insurance coverage will more than likely be able to save money. But drivers should learn how companies determine prices because it can help you find the best coverage.

Why you might pay lower rates

Multiple criteria are used in the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, but others are more obscure like your vehicle usage or your financial responsibility.One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that aid in calculating your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to lower rates.

  • Safer vehicles means cheaper premiums – Safe vehicles tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.
  • Save by driving less – The higher the miles on your Honda every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Cars that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Accord may be costing you higher rates. Verify your declarations sheet is showing the correct usage for each vehicle, because it can save money.
  • Low deductibles can be expensive – Physical damage protection, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of some claims that would be covered would be a dented fender, vandalism, and having your car stolen. Comp and collision deductibles define how much you are willing to pay in the event of a claim. The more damage repair cost you have to pay, the better rate you will receive for Accord coverage.
  • Too many car insurance claims will drive premiums up – Companies provide the best rates to insureds who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for claims that you cannot pay yourself.

Free auto insurance rate quotes

Comparing auto insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could waste time talking to local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most major companies enroll in a system where insurance shoppers complete one form, and at least one company can provide price quotes based on that information. This eliminates the need for form submissions for every auto insurance company.

To submit your quote information now, click here to start a free quote.

The one downside to pricing coverage this way is that you can’t choose the companies you want to price. So if you prefer to pick specific providers to receive pricing from, we have a page of companies who write auto insurance in your area. Click to view list.

The method you choose is up to you, but try to use apples-to-apples coverages and limits for each quote you get. If you have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, having more price comparisons increases the change that you will find a lower rate than you’re paying now.

More discounts mean cheap premiums

Not many people think insurance is cheap, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but some discounts are required to be asked for before being credited.

  • Savings for New Vehicles – Adding a new car to your policy can save you some money because new vehicles are generally safer.
  • Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Accord coverage with select insurance companies.
  • Paperwork-free – Certain car insurance companies will provide an incentive get car insurance over the internet.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • Distant Student – Kids who are attending college and don’t have a car could qualify for this discount.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Progressive and Allstate will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a specific time period.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you aren’t that lucky. But any discount should help reduce your policy premiums.

A few of the larger companies and their possible discounts are outlined below.

  • State Farm has savings for anti-theft, multiple policy, defensive driving training, good driver, multiple autos, and accident-free.
  • American Family offers discounts for air bags, defensive driver, mySafetyValet, accident-free, early bird, and Steer into Savings.
  • AAA may offer discounts for anti-theft, multi-policy, pay-in-full, good student, AAA membership discount, and multi-car.
  • GEICO policyholders can earn discounts including daytime running lights, five-year accident-free, driver training, seat belt use, and emergency military deployment.
  • Mercury Insurance offers premium reductions for age of vehicle, ease of repair, accident-free, multi-car, good driver, type of vehicle, and anti-theft.
  • Farmers Insurance may have discounts that include multi-car, teen driver, early shopping, distant student, homeowner, and business and professional.
  • Progressive has discounts for online quote discount, continuous coverage, online signing, good student, and multi-vehicle.

If you want low cost car insurance quotes, ask each company or agent which credits you are entitled to. Discounts may not be offered in every state.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you may require specific advice.

  • What exactly is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I put collision coverage on all my vehicles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a fancy paint job covered?
  • Am I covered when driving in Canada or Mexico?
  • Does my 1999 Honda Accord qualify for pleasure use?
  • How high should deductibles be on a 1999 Honda Accord?
  • What are the best liability limits?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance 101

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, chiropractic care, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

This will pay to fix damage to your Accord from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, vandalism, hitting a bird, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Honda Accord.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, loss of income, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Be a smart shopper

In this article, we presented a lot of ways to lower your 1999 Honda Accord insurance premium rates. It’s most important to understand that the more providers you compare, the better likelihood of getting cheaper car insurance. You may even discover the best price on insurance is with the smaller companies. They may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. The aim is to get the best coverage possible at the lowest possible cost while still protecting your assets.

More affordable insurance is attainable both online and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and many times these regional carriers provide coverage only through independent agents.

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