2009 Honda Accord Car Insurance Quotes – 7 Tips to Save

Have you fallen victim to an overpriced auto insurance policy? Believe me, there are many consumers feeling the pinch from expensive auto insurance.

Having so many options, it can be hard to locate the best insurance company.

It’s smart to check auto insurance prices once or twice a year because rates are usually higher with each renewal. Despite the fact that you may have had the best deal on Accord insurance a couple years back you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so I’m going to show you some tested techniques to slash your auto insurance rates.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. But car owners can benefit by having an understanding of how companies compete online and take advantage of how the system works.

Finding Car Insurance Deals

The are a couple different ways to compare rate quotes from different insurance companies. The best method to find competitive 2009 Honda Accord insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for each company. One form will return quotes from car insurance companies with the best prices.
  2. A slightly less efficient method to get quotes online is spending the time to visit each company’s website to complete a price quote. For instance, let’s say you want to compare Nationwide, Liberty Mutual and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method of getting rate comparisons is to waste gas driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. You can, however, price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever method you choose, make sure you use exactly the same deductibles and coverage limits for each price quote. If you use different deductibles you can’t possibly truly determine the lowest rate. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes will enable you to find the best rates.

Do drivers who switch really save $471 a year?

Car insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all have a common claim of big savings if you move your policy. How can each company make the same claim?

All companies are able to cherry pick for the type of driver they prefer to insure. For instance, a desirable insured might be over the age of 40, is a homeowner, and drives newer vehicles. A customer who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who fall outside these standards will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest Honda Accord insurance rates.

Lots of discounts mean lots of savings

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on car insurance.

  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings when shopping for car insurance on Accord insurance.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Accord insurance than drivers with accidents.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more depending on where you live.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way.

For a list of insurance companies with the best car insurance discounts, click here.

Situations that might require an agent

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Exactly who is provided coverage by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business equipment covered while in my vehicle?
  • Do I really need UM/UIM coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I sign the liability waiver when renting a car?
  • How does medical payments coverage work?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for pain medications, doctor visits, surgery, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance covers damage to your Accord resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like pain and suffering, repair bills for other people’s vehicles, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, rock chips in glass, hitting a deer, a broken windshield and theft. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Do the work, save more money

You just learned a lot of information how to compare 2009 Honda Accord insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance comes from the least-expected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where drivers have reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

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