2014 Honda Accord Hybrid Insurance Rates – 9 Tips to Save

Searching for lower auto insurance rates for your Honda Accord Hybrid? Perplexed by the wide range of auto insurance companies? Lot’s of other consumers are too. Consumers have so many choices that it can be a real hassle to find lower rates.

The fastest way that we advise to get rate comparisons utilizes the fact most insurance companies have advanced systems to compare rate quotes. The one thing you need to do is provide the companies a bit of rating information including if the vehicle is leased, if you require a SR-22, if it has an alarm system, and the type of vehicles you drive. Your information gets sent immediately to many of the top insurers and you will get price comparisons very quickly.

To compare multiple company rates now, click here and enter your coverage details.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight if you may require specific advice.

  • Will my insurance pay for OEM parts?
  • Should I have combined single limit or split liability limits?
  • What is the difference between comprehensive and collision coverage?
  • Are rock chip repairs covered?
  • Does insurance cover damages from a DUI accident?
  • Can I get a multi-policy discount?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage options for a 2014 Honda Accord Hybrid

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. 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 commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, legal defense fees, structural damage, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

This covers damage to your Accord Hybrid resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for prosthetic devices, chiropractic care, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Accord Hybrid.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, falling objects, a tree branch falling on your vehicle and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.