2014 Honda Accord Insurance Quotes – 7 Tips for Cheaper Rates

No one in their right mind cherishes buying car insurance, especially knowing they are paying too much. Drivers have multiple insurers to pick from, and though it is a good thing to have a selection, so many choices can make it hard to find the best rates.

Locating affordable insurance coverage is simple if you know the tricks. If you are insured now or need a new policy, you can follow these tips to find better prices while maximizing coverage. Drivers only need to know how to compare price quotes on the web.

Compare Insurance Today

Effectively comparing insurance prices can take hours if you don’t utilize the most efficient way. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

The majority of car insurance companies enroll in a system that allows shoppers to send in one quote, and at least one company returns a rated price based on that data. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to doing it this way is you can’t choose which carriers you want pricing from. If you wish to select from a list of companies to receive pricing from, we have a page of insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use the exact same deductibles and coverage limits on every quote. If your comparisons have differing limits it’s not possible to find the best deal for your Honda Accord.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some may not be applied and must be requested specifically prior to getting the savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Drive Less and Save – Fewer annual miles on your Honda can earn better rates on cars that stay parked.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Air Bag Discount – Factory air bags can receive discounts up to 30%.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will cut your overall premium however.

For a list of insurance companies offering car insurance discounts, click here to view.

Insurance agents can help

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out whether you would benefit from professional advice.

  • What is the ISO rating for a 2014 Honda Accord?
  • Do I have coverage when making deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when driving on a suspended license?
  • Am I covered if I drive in a foreign country?
  • Does my medical payments coverage pay my health insurance deductible?
  • Which is better, split liability limits or combined limits?
  • Am I missing any policy discounts?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Auto insurance coverages and their meanings

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, rehabilitation expenses, funeral costs, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage

Collision insurance will pay to fix damage to your Accord caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage, falling objects and damage from a tornado or hurricane. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Save your cold hard cash

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

We covered quite a bit of information on how to shop for 2014 Honda Accord insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the most savings is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Discount insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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