2017 Honda Accord Insurance Rates

Searching for the cheapest auto insurance rates for your Honda Accord? Paying more affordable prices for Driversauto insurance could be very difficult for beginners to shopping for insurance online. With so many insurance agents and online companies, it can easily become a burden to find cheaper auto insurance rates.

Consumers need to take a look at other company’s rates yearly because rates change quite often. Despite the fact that you may have had the lowest rate on Accord coverage on your last policy there may be better deals available now. There is too much inaccurate information about auto insurance on the internet, but in a few minutes you can learn some guaranteed methods to save money.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. But drivers need to have an understanding of the methods companies use to price insurance differently because it can help you find the best coverage.

Don’t overlook these auto insurance discounts

Some insurers don’t necessarily list all possible discounts very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious ways to save on auto insurance.

  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Clubs and Organizations – Being in a civic or occupational organization is a good way to get lower rates on your policy.
  • Paperless Signup – A handful of auto insurance companies will give a small break for buying your policy on their website.
  • Policy Bundle Discount – If you combine your auto and home policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.
  • Driver Safety – Participating in a course that instructs on driving safety may get you a small discount and also improve your driving technique.
  • Accident Waiver – Not a discount per se, but companies like Allstate, State Farm and Geico may permit one accident without the usual rate increase so long as you are claim-free prior to being involved in the accident.

Drivers should understand that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount should definitely cut your overall bill.

A few popular companies and their offered discounts are included below.

  • Esurance offers discounts for Switch & Save, paid-in-full, emergency road assistance, homeowner, and safety device.
  • The Hartford policyholders can earn discounts including air bag, good student, vehicle fuel type, anti-theft, bundle, and driver training.
  • AAA offers discounts including education and occupation, AAA membership discount, good driver, multi-car, good student, and anti-theft.
  • Geico discounts include federal employee, emergency military deployment, anti-theft, daytime running lights, good student, defensive driver, and five-year accident-free.
  • State Farm includes discounts for accident-free, anti-theft, good student, defensive driving training, multiple autos, and safe vehicle.

Double check with each company or agent how you can save money. A few discounts might not be offered on policies in your area.

What determines Honda Accord insurance rates?

Lots of things are used when quoting car insurance. Most are fairly basic like your driving record, although some other factors are less obvious such as whether you are married or how financially stable you are.

The items below are some of the most rate-impacting factors that factor into premiums.

  • Long commutes cost more – The more miles you rack up on your Honda each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Vehicles that have low annual miles get more affordable rates compared to those used for work or business. An incorrectly rated Accord is throwing money out the window. It’s a smart idea to ensure your insurance coverage coverage is showing the correct driver usage, because it can save money.
  • Lower insurance coverage rates for being claim-free – Auto insurance companies provide lower rates to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is designed for more catestrophic claims.
  • Costs increase with policy add-ons – There are quite a few extra add-on coverages that can waste your money when buying insurance coverage. Coverage for things like rental car reimbursement, high-cost glass coverage, and additional equipment coverage are examples of these. These may sound like a good investment at first, but if you don’t need them consider taking them off your policy.
  • Urban areas may pay more – Residing in a rural area is a good thing if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities regularly have more aggressive driving styles and longer commute times. More time on the road means a statistically higher chance of an accident.
  • Gender as a rate factor – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Women and men have auto accidents at a similar rate, but the males get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore have the most expensive insurance coverage rates.
  • Don’t cut corners with liability coverage – The liability coverage on your policy will afford coverage if ever a court rules you are at fault for an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Do you have a stressful employer? – Occupations like military generalspolice officers and stock brokers tend to have higher rates than the rest of us due to intense work situations and extremely grueling work hours. On the flip side, jobs such as professors, athletes and retirees generally pay rates lower than average on Accord coverage.

When to get professional advice

When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining if your situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Is my teen driver covered when they drive my company car?
  • Is pleasure use cheaper than using my 2017 Honda Accord to commute?
  • When should my teen driver be added to my policy?
  • How much liability do I need to cover my assets?
  • Is my babysitter covered when using my vehicle?
  • Does my car insurance cover rental cars?
  • How do I file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This coverage covers damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, surgery and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as court costs, pain and suffering, medical services, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Take this to the bank

The cheapest 2017 Honda Accord insurance can be sourced both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide price quotes online and many times these small insurance companies only sell through independent insurance agencies.

In this article, we presented some good ideas how to lower your 2017 Honda Accord insurance prices. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive car insurance. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

Consumers switch companies for many reasons like poor customer service, unfair underwriting practices, policy non-renewal or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is actually quite simple.

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