View 1998 Honda Accord Insurance Quotes

Buying the most affordable insurance on the web can seem to be rather challenging for beginners to buying insurance on the web. With so many choices of insurers available, how can drivers possibly compare every company to locate the lowest price?

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, every driver who carries insurance will more than likely be able to cut their insurance bill. But consumers do need to understand how big insurance companies sell insurance online because it can help you find the best coverage.

The easiest way to compare car insurance company rates is to know the fact auto insurance companies provide online access to provide you with a free rate quote. To get started, all you need to do is give the companies some data like your general credit rating, if the vehicle is leased, whether or not you need a SR-22, and your occupation. Your rating data is then sent to multiple top-rated companies and they return rate quotes with very little delay.

To find lower rates now, click here and enter the information requested.

Lots of discounts mean lots of savings

Companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known car insurance savings.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums for Accord insurance.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Accord insurance than drivers with accident claims.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

Keep in mind that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

To see a list of providers who offer car insurance discounts, follow this link.

Honda Accord rates are in the details

Smart consumers have a good feel for the factors that help determine the price you pay for insurance coverage. When you know what positively or negatively influences your rates helps enable you to make changes that could result in better insurance coverage rates.

  • Never go without insurance – Allowing your insurance coverage policy to lapse will be a fast way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Multi-policy discounts can save money – The majority of insurers will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
  • How credit affects insurance coverage rates – Having a bad credit rating is a important factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings. So if your credit history can use some improvement, you could potentially save money when insuring your 1998 Honda Accord by repairing your credit.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Proper usage rating affects rates – The more miles you rack up on your Honda each year the more you will pay for insurance coverage. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Accord can result in significantly higher rates. Verify your insurance coverage policy is showing how each vehicle is driven.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Honda has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Situations that might require an agent

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Can I afford low physical damage deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Are my friends covered when driving my car?
  • Does my 1998 Honda Accord need full coverage?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your policy

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, hospital visits, ambulance fees, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, fire damage and a broken windshield. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t 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. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as structural damage, court costs, bail bonds, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1998 Honda Accord.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

One last thing about your coverage

People switch companies for a number of reasons such as high prices, policy cancellation, an unsatisfactory settlement offer or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

Budget-conscious 1998 Honda Accord insurance is attainable from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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