Trying to find cheaper insurance for a new or used Honda Accord can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages on a Honda and locate the best price possible.
Lowering your 1997 Honda Accord car insurance rates is not a difficult process. All you need to do is spend a few minutes comparing price quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
To view a list of companies in your area, click here.
Whichever way you use, make sure you use apples-to-apples coverage limits and deductibles for each price quote. If the quotes have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.
Auto insurance companies don’t necessarily list every available discount very clearly, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you are throwing money away.
Consumers should know that some of the credits will not apply the the whole policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.
Companies that possibly offer these discounts are:
Check with every prospective company what discounts are available to you. Savings may not apply everywhere.
When it comes to buying coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.
For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
This provides protection from damage that occurs to a person or their property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism and falling objects. 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 removing comprehensive coverage.
This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Honda Accord.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for doctor visits, X-ray expenses, chiropractic care, rehabilitation expenses and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.