1999 Honda Accord Car Insurance Rates

Trying to find low-cost insurance for your Honda Accord could be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for car insurance and you need to know the quickest way to compare rates for a new or used Honda and find the lowest price from local insurance agents and online providers.

It’s a good idea to take a look at other company’s rates before your policy renews since rates change quite often. Just because you found the best price for Accord coverage a few years ago a different company probably has better rates today. Starting now, ignore everything you know about car insurance because you’re about to learn how to quote online to remove unneeded coverages and save money.

The quickest method we recommend to compare policy rates is to realize most of the bigger providers participate in a system to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information such as what your job is, if you are currently licensed, your education level, and the year, make and model of vehicles. That information is instantly provided to many of the top insurers and you will get price comparisons immediately.

You probably qualify for some discounts

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specifically requested prior to receiving the credit. If you’re not getting every credit available, you’re just leaving money on the table.

  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Accord coverage than drivers with accident claims.
  • Memberships – Affiliation with a professional or civic organization may earn a discount on car insurance for Accord coverage.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of more than 20%.

It’s important to understand that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Insurance companies who might offer these money-saving discounts are:

Before buying, ask every prospective company how you can save money. Some discounts may not be available in every state.

There’s no such thing as the perfect policy

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions can help discover if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Why you might be paying too much to insure your Honda Accord

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower insurance coverage prices.

  • Small claims can cost you – If you frequently file small claims, you can look forward to higher rates. Companies provide cheaper rates to drivers who do not file claims often. Insurance coverage is meant to be used in the event of larger claims.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on their usage. Autos that are left in the garage qualify for better rates than those used for commuting. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Accord may be wasting your money.
  • Being married can save on insurance coverage – Having a spouse actually saves money on your insurance coverage policy. Having a spouse translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Even one ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Do you know you’re credit rating? – Credit score is a important factor in determining your rates. People with good credit tend to be more responsible than drivers who have lower credit ratings. If your credit is low, you could save money insuring your 1999 Honda Accord by repairing your credit.
  • No coverage gaps is important – Driving without insurance can get your license suspended and insurance coverage companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state DMV.

Do drivers who switch really save $468 a year?

Drivers can’t ignore all the ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. All the companies make the same claim that you can save after switching your coverage to them.

How can each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the driver that is profitable for them. An example of a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A customer who fits that profile will get the preferred rates and therefore will pay quite a bit less when switching companies.

Potential customers who fall outside this ideal profile will be quoted higher rates and ends up with business not being written. The ads state “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can claim big savings.

This emphasizes why you need to get quotes from several different companies. It’s just too difficult to predict the company that will have the lowest Honda Accord insurance rates.

Specific coverages for a 1999 Honda Accord

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – Collision insurance will pay to fix damage to your Accord from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, rolling your car, hitting a parking meter, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, hitting a deer, vandalism, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like chiropractic care, surgery and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Accord.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability – This coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

At the end of the day…

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced 1999 Honda Accord insurance can be purchased on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, denial of a claim or even extreme rates for teen drivers. No matter why you want to switch, switching insurance companies is actually quite simple.

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