1997 Honda Accord Car Insurance Quotes

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.

Finding Car Insurance Deals

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.

The best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate quote forms for each company. Completing one form gets you coverage quotes from several companies. It’s definitely the quickest method.
A harder way to analyze rates consists of going to the website for every company you want to comare to complete a price quote. For sake of this example, let’s say you want to compare Auto-Owners, GEICO and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming method to get comparison rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. Drivers can price shop your coverage online and still use a local agent. We’ll cover that shortly.

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.

Discounts on Honda Accord insurance

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.

Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
Lower Rates for Military – Being deployed with a military unit could mean lower rates.
Homeowners Pay Less – Simply owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Accord coverage.
Sign Online – A few companies may give you up to $50 for buying your policy on their website.
Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

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.

Tailor your coverage to you

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.

Does my insurance cover damage caused when ticketed for reckless driving?
How does medical payments coverage work?
Do I need motorclub coverage?
Do I need rental car coverage?
Can my teen driver be rated on a liability-only vehicle?
When should I buy a commercial auto policy?
Do I need higher collision deductibles?
Is my teen driver covered when they drive my company car?
How high should my uninsured/underinsured coverage be in my state?
Why am I required to buy liability insurance?

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.

Insurance policy coverages for a 1997 Honda Accord

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.

Liability coverages

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

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.

Coverage for uninsured or underinsured drivers

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.

Coverage for medical expenses

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

Auto collision 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.