View 1991 Honda Accord Insurance Quotes

No one in their right mind looks forward to paying for car insurance, in particular when the cost is way too high.

You have so many auto insurance companies to choose from, and even though it’s nice to have a selection, it can be more difficult to find the lowest cost provider.

Smart consumers take time to check car insurance prices quite often due to the fact that insurance rates go up and down regularly. Even if you think you had the lowest price for Accord insurance six months ago there may be better deals available now. So just forget anything you know (or think you know) about car insurance because you’re about to learn the best way to lower your annual insurance bill.

How to Get Auto Insurance

There are a variety of methods to compare 1991 Honda Accord auto insurance quotes, but some are less time-consuming than others. You could spend your day driving to local insurance agents in your area, or you could use the internet to maximize your effort.

All the larger companies participate in a marketplace where prospective buyers send in one quote, and each participating company provides a quote for coverage. This saves time by eliminating quotation requests for each company. To access this free quoting program, click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify the insurers to receive prices from. So if you prefer to pick specific insurance companies to compare, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverages for every company. If the quotes have different liability limits it will be impossible to decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. It’s important to know that comparing more company’s prices will increase your chances of finding a better price.

Don’t be fooled by advertising claims

Insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to make the same claim about savings if you change to them. How does each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of driver they prefer to insure. For example, a driver they prefer could be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Drivers who don’t meet this ideal profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that much. That’s the way companies can state the savings. This emphasizes why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest Honda Accord insurance rates.

Discounts are basically free money

Car insurance companies don’t always advertise every available discount very clearly, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Claim Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Accord insurance than their less cautious counterparts.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Accord insurance.
  • Paperwork-free – A few companies will give a small break for buying your policy digitally online.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more if you qualify.

Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of providers with the best auto insurance discounts, click here to view.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • I have a DUI can I still get coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Why do I need rental car insurance?
  • Is my cargo covered for damage or theft?
  • Do I need roadside assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Having a good grasp of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from flooding, falling objects, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, hospital visits, funeral costs, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects, loss of income, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your Accord from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1991 Honda Accord.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Save for a rainy day

Discount 1991 Honda Accord insurance can be purchased both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered some good ideas how you can reduce insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford.

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