Compare 1993 Honda Accord Insurance Rates

Shopping for affordable insurance coverage over the internet can seem to be challenging for people who are new to price shopping online. Since there are so many insurers available, how can you have a chance to compare them all to find the lowest rates?

Don’t pay full price with these discounts

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden ways to save on insurance coverage.

  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Claim Free – Claim-free drivers can earn big discounts as compared to frequent claim filers.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of companies offering insurance coverage discounts, follow this link.

Free Auto Insurance Quotes

There are several ways to compare rate quotes from local auto insurance companies. By far the easiest way to find the lowest 1993 Honda Accord rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This form prevents you from having to do separate quotes for each company you want a rate for. Just one form will return quotes direct from many companies. Just one form and you’re done.
  2. A more time consuming way to shop for auto insurance online consists of going to each company website to complete a price quote. For sake of this example, let’s assume you want comparison quotes from USAA, Farmers and Allstate. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

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

  3. The least recommended way of getting rate comparisons is to drive around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. However, consumers can compare the best prices online but still have the advice of a local agent and you’ll learn how to do that later.

However you get your quotes, make darn sure you compare exactly the same quote information on every quote you get. If you have different liability limits you can’t possibly determine the lowest rate for your Honda Accord. Slightly different limits may result in large price differences. Keep in mind that having more price comparisons will enable you to find a better price.

Your personal situation dictates your coverage

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?
  • Does my 1993 Honda Accord need full coverage?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Specific coverages for a 1993 Honda Accord

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

This coverage covers damage to your Accord resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover 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. Your policy might show policy limits of 25/50/25 that translate to $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 insurance covers things such as legal defense fees, attorney fees and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, theft, damage from a tornado or hurricane and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Shop smart and save

Throughout this article, we presented many ideas to compare 1993 Honda Accord insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from a small mutual company.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like lack of trust in their agent, extreme rates for teen drivers, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company can be less work than you think.

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