Save on 2000 Honda Accord Insurance Rates

Buyers have options when searching for affordable Honda Accord insurance. You can either spend your time contacting agents to compare prices or leverage the internet to get rate quotes.

There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to get price quotes for a Honda and get the lowest possible price from both online companies and local agents.

If you have insurance now or need new coverage, you can use these tips to find better prices while maximizing coverage. This article will help you learn the best way to quote coverages and some tricks to saving. Consumers just need to know the most efficient way to compare rates online.

How to Compare Auto Insurance Quotes

There are multiple methods to compare 2000 Honda Accord auto insurance quotes, but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and each participating company returns a competitive quote for coverage. This eliminates the need for quotation requests for each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which carriers to get quotes from. If you prefer to choose specific providers to compare prices, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits for every company. If your comparisons have unequal deductibles or liability limits you can’t possibly determine the best price for your Honda Accord.

Why your Honda Accord insurance rates may be high

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • Adjust deductibles and save – Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more money you’re willing to pay, the bigger discount you will receive on Accord coverage.
  • Battle of the sexes – The statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Your location is important – Choosing to live in less populated areas can save you money when buying car insurance. Fewer drivers translates into fewer accidents. Drivers in populated areas tend to have traffic congestion and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Rates may be lower depending on your job – Occupations such as lawyers, social workers and dentists are shown to have the highest average rates in part from high stress levels and long work days. Other occupations like farmers, historians and retirees pay the least on Accord coverage.
  • Older drivers pay less – Young drivers are known to be more careless behind the wheel so car insurance rates are higher. Having to add a youthful driver onto your car insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked about in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Claim Free – Good drivers with no accidents pay less as compared to drivers who are more careless.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on your policy on Accord coverage.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Accord coverage than their less cautious counterparts.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, companies don’t profit that way. But all discounts will help reduce your premiums.

To see a list of insurers offering insurance discounts, click here to view.

How much car insurance do I need?

When it comes to choosing coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • When would I need additional glass coverage?
  • Is my Honda Accord covered if I use it for business?
  • Is my babysitter covered when using my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability

Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, a tree branch falling on your vehicle and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, funeral costs, X-ray expenses, pain medications and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Shop. Compare. Save.

Throughout this article, we presented a lot of tips how to save on 2000 Honda Accord insurance. The key thing to remember is the more you quote, the better your comparison will be. You may even find the best price on auto insurance is with a lesser-known regional company.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to find the BEST coverage at an affordable rate.

Consumers change insurance companies for many reasons like delays in responding to claim requests, policy cancellation, policy non-renewal or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is actually quite simple.

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