2017 Honda Accord Car Insurance Quotes

Tired of being strong-armed to keep your car insured? You have the same problem as many other consumers. Consumers have so many car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to find the best rates.

Consumers need to compare premium rates yearly since rates change frequently. Just because you had the best deal for Accord coverage a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because we’re going to show you the fastest and easiest way to properly buy coverages and cut your premium.

Get cheap insurance coverage quotes with discounts

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that you may not even know about. Certain discounts will be applied when you get a quote, but less common discounts must be specifically requested prior to getting the savings.

  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Resident Student – College-age children who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Defensive Driving Course – Successfully completing a driver safety class is a good idea and can lower rates and make you a better driver.
  • Government Employees – Simply working for the federal government could provide a small rate reduction for Accord coverage with a few insurance coverage companies.
  • Life Insurance Discount – Some insurance companies give a small discount if you purchase life insurance.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving could cut 10% or more off PIP or medical payments premium.

We need to note that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

Some companies that may offer quotes with these benefits may include but are not limited to:

When comparing rates, check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your area. To choose companies offering insurance coverage discounts, click here.

Insurance coverage quotes comparison

Finding more affordable insurance coverage prices is actually easier than you may think. Just take the time comparing price quotes to discover which company has low cost auto insurance quotes. It is quite easy and can be accomplished using a couple different methods.

The simplest way to find low rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form will get you rate comparisons from many national carriers.

A more time consuming way to analyze rates is going to the website for each individual company to complete a price quote. For examples sake, we’ll assume you are doing a rate comparison from Auto-Owners, Safeco and Farmers. To do that, you would have to go to every website to enter the same coverage data repeatedly, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you are using apples-to-apples coverage data for each price quote. If your comparisons have different deductibles you can’t possibly determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might point out whether you may require specific advice.

  • When would I need rental car insurance?
  • At what point should I drop full coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my rates increase for filing one claim?
  • How can I force my company to pay a claim?
  • Am I insured when driving a different vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, fire damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses like ambulance fees, EMT expenses, hospital visits, pain medications and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your 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 can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Honda Accord.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This coverage pays for damage to your Accord resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not 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. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like repair costs for stationary objects, court costs, pain and suffering, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Pennies from heaven

We’ve covered a lot of tips how to save on 2017 Honda Accord insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper auto insurance. You may even discover the biggest savings come from a small local company. They may only write in your state and offer lower auto insurance rates than their larger competitors like GEICO and State Farm.

When buying insurance coverage, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Some car insurance companies do not offer the ability to get quotes online and most of the time these smaller companies prefer to sell through independent agents. Affordable 2017 Honda Accord insurance can be sourced from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

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