2011 Honda Accord Car Insurance Rates

Looking for cheaper insurance rates for your Honda Accord? If online insurance comparisons are new to you, it’s easy to get overwhelmed because of the huge number of insurers all offering big savings.

It’s smart to price shop coverage as often as possible because prices are variable and change quite frequently. Just because you found the best deal for Accord insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance because you’re going to learn the best methods to find lower rates on insurance.

Cheap auto insurance quotes

There are multiple methods to compare auto insurance quotes, but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize online quoting to get prices fast.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This eliminates the need for form submissions to every company.

To compare rates using this form now click here to open in new window.

One minor caviat to doing it this way is buyers cannot specifically choose which companies you will receive quotes from. So if you prefer to pick from a list of companies to compare rates, we have a listing of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to use identical coverages for each quote you get. If you enter different data it’s impossible to find the best deal for your Honda Accord. Slightly different limits could mean much higher rates. Just remember that comparing all the rates in your area gives you a better chance of getting a lower rate.

You may need specialized insurance coverage coverage

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions might point out whether you may require specific advice.

  • How much can I save by bundling my policies?
  • Is a fancy paint job covered?
  • Is extra glass coverage worth it?
  • Is motorclub coverage worth it?
  • What is no-fault insurance?
  • Do I have coverage if my license is suspended?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, X-ray expenses, funeral costs, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like bail bonds, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, a broken windshield and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.