1999 Honda Accord Car Insurance Cost

Trying to find the cheapest car insurance rates for your Honda Accord? Are you tired of not being able to afford to buy car insurance? You are no different than many other drivers.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a good habit to shop coverage around yearly because insurance rates change frequently. Despite the fact that you may have had the best price for Accord coverage on your last policy other companies may now be cheaper. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get some great ways to quit paying high car insurance rates.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Finding affordable coverage is not rocket science. Nevertheless, car owners need to have an understanding of the way companies market on the web because it can help you find the best coverage.

Insurance Coverage Quote Comparison

All major insurance coverage companies such as State Farm, Allstate and Geico give insurance quotes on their websites. Getting online rates doesn’t take a lot of time as you just enter the coverages you want into the quote form. Behind the scenes, the system will obtain your credit score and driving record and returns a price. Online price quotes helps simplify price comparisons, but the time required to go to a lot of sites and enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you are searching for lower prices.

An easier way to compare insurance coverage pricing uses one simple form to return rates from a bunch of companies at once. The form is fast, requires less work, and makes quoting online much easier to do. After sending the form, it gets priced and you can choose any one of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and could lower your rates considerably.

To find out how much you can save on insurance coverage, click here to open in a new tab and submit the form. To compare your current rates, we recommend you replicate the insurance coverages just like they are on your policy. This way, you will receive comparison quotes for similar coverage.

Do drivers who switch really save $487 a year?

State Farm, Allstate and Geico regularly use ads on television and other media. All the companies say the same thing of big savings if you move to their company. But how can every company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who fall outside the requirements must pay a higher premium which leads to the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make the claims of big savings.

This illustrates why drivers should get quotes from several different companies. You cannot predict the company that will give you the biggest savings on Honda Accord insurance.

Are you getting all your discounts?

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you complete an application, but a few need to be inquired about before they will apply.

  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of up to 25% or more.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Own a Home – Owning a home can save you money because owning a home shows financial diligence.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application on their website.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Check with every prospective company what discounts are available to you. All car insurance discounts might not apply in every state.

When might I need an agent?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • What is PIP insurance?
  • Should I waive the damage coverage when renting a car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What can I do if my company won’t pay a claim?
  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • Does coverage extend to my business vehicle?
  • Do I need an umbrella policy?
  • Is my teen driver covered when they drive my company car?
  • Is my 1999 Honda Accord covered for flood damage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like doctor visits, hospital visits, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability – Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, rock chips in glass, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays for damage to your Accord resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Save for a rainy day

As you shop your coverage around, never buy less coverage just to save a little money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We covered quite a bit of information on how to reduce 1999 Honda Accord insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even discover the most savings is with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

To read more, take a look at these articles: