Cheaper 1997 Honda Accord Car Insurance Quotes

I can’t think of anyone who looks forward to paying for insurance coverage, particularly when they are paying too much.

Companies like State Farm, Progressive and Geico all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

Comparison of Auto Insurance

When shopping for auto insurance there are multiple ways to get quotes and find the best price. The easiest way to find the cheapest 1997 Honda Accord insurance rates is simply to get online rate quotes. This can be done in several different ways.

• One of the best ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate forms for each company you want a rate for. One quote request gets rate comparisons from several companies.
• A less efficient way to obtain and compare quotes online requires a visit to each company website and request a quote. For examples sake, let’s assume you want rates from Geico, Farmers and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

• The least efficient way to get comparison rates is to spend your day driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the professional advice only provided by licensed agents. Drivers can compare the best prices online but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but double check that you are using exactly the same coverage limits and deductibles for every quote you compare. If you compare higher or lower deductibles it’s impossible to find the best deal for your Honda Accord. Quoting even small variations in coverage limits may result in a large different in cost. And when quoting auto insurance, remember that more quotes will enable you to find a better price.

Save big with these discounts

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so here is a list both the well known and the more hidden discounts you could be receiving.

• Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
• Federal Employees – Simply working for the federal government may qualify you for a discount for Accord coverage with certain companies.
• Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
• Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school.
• Auto/Home Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
• 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% for Accord coverage.
• Paperless Signup – A handful of insurance companies will give a small break just for signing your application online.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

It’s important to understand that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with the best car insurance discounts, follow this link.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining if your situation might need an agent’s assistance.

• How high should my medical payments coverage be?
• What if I don’t agree with a claim settlement offer?
• What companies insure drivers after a DUI or DWI?
• Are there companies who specialize in insuring high-risk drivers?
• Should I carry comprehensive and collision coverage?
• How can I force my company to pay a claim?
• Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and 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. So UM/UIM coverage is very important.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, damage from getting keyed, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Accord from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, prosthetic devices, doctor visits, X-ray expenses and ambulance fees. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.