2010 Honda Accord Insurance Rates

Want cheaper insurance coverage rates? Drivers have lots of choices when trying to find low-cost Honda Accord insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates.

There are more efficient ways to compare insurance coverage rates and you need to know the proper way to quote coverages on a Honda and locate the lowest possible price from both online companies and local agents.

The quickest method we recommend to compare insurance rates from multiple companies is to understand all the major auto insurance companies provide online access to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information such as an estimate of your credit level, how old drivers are, how much you drive, and if you have a valid license. The rating information is sent automatically to insurance companies and you get price estimates immediately.

To find lower rates now, click here and complete the form.

Insurance coverage companies offer many types of discounts

Companies don’t necessarily list all their discounts in an easy-to-find place, so the below list has a few of the more well known as well as the least known credits available to you.

• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
• Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote for Accord coverage compared to rates paid by drivers with frequent claims.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote insurance for Accord coverage depending on your insurance coverage provider.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Own a Home and Save – Just owning your own home can help you save on insurance coverage since owning and maintaining a home requires a higher level of personal finance.
• Paperless Signup – A few insurance companies give back up to $50 get insurance online.
• Discount for Low Mileage – Keeping the miles down on your Honda can qualify you for substantially lower rates.
• Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.

Just know that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce the premium cost.

To view providers who offer online insurance coverage quotes, click this link.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you could use an agent’s help.

• How much liability coverage do I need in my state?
• Do I need to file an SR-22 for a DUI in my state?
• Exactly who is provided coverage by my policy?
• Does my liability insurance cover pulling a trailer or camper?
• Should I buy only the required minimum liability coverage?
• Am I covered if I crash into my own garage door?
• Are my friends covered when driving my 2010 Honda Accord?
• How high should my medical payments coverage be?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills like nursing services, EMT expenses and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, repair costs for stationary objects, court costs, emergency aid and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, damage from getting keyed, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2010 Honda Accord.

Since a lot of 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. Usually these coverages do not exceed the liability coverage limits.