View 2004 Honda Accord Insurance Quotes

Searching for cheaper car insurance rates for your Honda Accord? No one in their right mind likes paying for car insurance, particularly when their premiums are through the roof.

Because you have many options when it comes to car insurance, it can be challenging to locate the right insurer.

Consumers should take time to shop coverage around periodically because prices change frequently. Even if you think you had the best deal on Accord insurance a couple years back you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

This information will help educate you on how to get online quotes and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Although vehicle owners do need to learn the methods companies use to determine prices and take advantage of how the system works.

Compare Auto Insurance Today

There are multiple methods to shop for 2004 Honda Accord auto insurance, but there is one way that is less time-consuming than others. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Many insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company can give them a price. This saves time by eliminating quotation requests to every company.

To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to doing it this way is you can’t choose which companies to receive prices from. If you wish to select individual companies to request quotes from, we put together a list of auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use apples-to-apples coverages for every quote you compare. If you use unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Honda Accord. Slightly different coverages may result in a large different in cost. And when price shopping your coverage, more quotes provides better odds of finding lower pricing.

How to reduce 2004 Honda Accord insurance rates

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Some trigger automatically at quote time, but some must be asked for before they will apply.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums on Accord insurance.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on insurance coverage on Accord insurance.
  • Homeowners Pay Less – Owning a house can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.

It’s important to note that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Am I covered if my car is in a flood?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have a DUI can I still get coverage?
  • Am I covered when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Honda Accord rates influenced by many factors

An important part of buying insurance is that you know the rating factors that help determine insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

The following are some of the factors used by your company to calculate your rates.

  • High numbers of claims are not good – Auto insurance companies give better rates to drivers who file claims infrequently. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Your car’s features help determine rates – Driving a car with an alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • One company can mean more discounts – Many insurance companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal. You may still find better rates by buying insurance from a different company.
  • Big city or small town – Choosing to live in small towns and rural areas can be a good thing when talking about insurance. Fewer people means fewer accidents. Drivers in populated areas have much more traffic to deal with and longer commute times. More time commuting can result in more accidents.
  • How’s your driving record? – A bad driving record impacts your car insurance rates tremendously. Good drivers have lower premiums than people who have multiple driving citations. Just one ticket can increase rates forty percent or more. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and windstorm damage. Physical damage deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The more money you have to pay, the less your insurance will be on Accord insurance.
  • Never go without insurance – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm, GEICO and Progressive consistently run ads in print and on television. All the ads have a common claim that you’ll save big if you change to them. But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that makes them money. For example, a desirable insured might be between 25 and 40, has no tickets, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who fall outside these standards will be charged higher prices which leads to business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can advertise the way they do.

That is why it is so important to get as many comparisons as possible. It is impossible to predict which insurance company will give you the biggest savings on Honda Accord insurance.

Information about specific coverages

Knowing the specifics of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your Accord caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, medical services, court costs, bail bonds and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda Accord.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses like prosthetic devices, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as 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

Be a money saver!

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage for the lowest price.

Low-cost 2004 Honda Accord insurance can be found on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

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