View 1990 Honda Accord Insurance Rates

Searching for the cheapest insurance rates for your Honda Accord? Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers. You have so many insurers to choose from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost insurance.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to save some money using this information. Consumers just need to know the proper methods to shop on the web.

Compare Insurance Coverage Today

There are a lot of ways you can shop for insurance coverage but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms for every insurance coverage company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to doing it this way is buyers cannot specifically choose which providers you want pricing from. If you prefer to choose individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you use, be sure to compare exactly the same coverage information for every company. If the quotes have unequal deductibles or liability limits you can’t possibly find the best deal for your Honda Accord.

Your Honda Accord insurance rate is a complex equation

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that could result in better auto insurance rates.

Listed below are a few of the “ingredients” that factor into premiums.

  • Where you reside plays a part – Residing in small towns and rural areas is a positive aspect when talking about auto insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have more traffic problems and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, business owners and financial analysts have higher average rates due to job stress and long work days. Conversely, occupations such as farmers, engineers and performers get better rates for Accord insurance.
  • Extra add-on coverages are wasting money – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and term life insurance are examples of these. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Poor driving leads to higher costs – Drivers with clean records get better rates than their less careful counterparts. Even one speeding ticket may increase your cost twenty percent or more. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Honda Accord earned at least four stars on Safercar.gov you are probably receiving a discount.

Are you getting all your discounts?

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for insurance coverage for Accord insurance.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • One Accident Forgiven – Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Student in College – Any of your kids who are attending college without a vehicle on campus can receive lower rates.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. Discounts might not apply in your area.

When might I need an agent?

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out if your situation might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • When should I drop full coverage on my 1990 Honda Accord?
  • What if I total my 1990 Honda Accord and owe more than it’s worth?
  • Are split liability limits better than a combined single limit?
  • Will filing a claim cost me more?
  • Is my 1990 Honda Accord covered for flood damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism, rock chips in glass and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses like funeral costs, dental work, nursing services and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1990 Honda Accord.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability car insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, structural damage, pain and suffering, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a mailbox, hitting a parking meter, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Online plus local equals savings

We just covered a lot of tips how to lower your 1990 Honda Accord insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Cheap insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at the links below