2004 Honda Accord Insurance Rates

Searching for better insurance coverage rates for your Honda Accord? Locating better insurance prices for a Honda Accord can normally be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance coverage so you’re going to learn the proper way to get price quotes on a Honda and obtain the best price possible from local insurance agents and online providers.

If you have a current insurance policy or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Shopping for affordable protection is quite easy. Vehicle owners only need to know the most efficient way to compare price quotes online.

How to Get Car Insurance Comparison Quotes

Comparing car insurance rates can be challenging if you don’t utilize the best way to get rate quotes. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company can provide price quotes based on that data. This saves time by eliminating quote requests to each individual car insurance company.

To compare 2004 Honda Accord rates now click here to open in new window.

The only drawback to using this type of form is you are unable to specify which insurance companies to receive prices from. If you prefer to choose specific insurance companies to compare rates, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you’re using identical information with every price quote. If you are comparing different limits and deductibles on each one you will not be able to make a fair comparison for your Honda Accord.

Save big with these discounts

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Claim Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Driver Safety – Taking a defensive driving course could save 5% or more if you qualify.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Student in College – Children who are attending college and do not have a car may qualify for this discount.
  • Lower Rates for Military – Having a family member in the military can result in better rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

For a list of companies who offer car insurance discounts, click this link.

Honda Accord rate determination is complex

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get better car insurance rates.

  • Car features impact rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Pay less if you’re married – Having a wife or husband helps lower the price on car insurance. Marriage means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • High credit ratings translate to low rates – Having a bad credit score is a important factor in your rate calculation. If your credit score is lower than you’d like, you could potentially save money when insuring your 2004 Honda Accord by improving your credit score. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
  • Teen drivers pay high rates – Young drivers have a tendency to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Protect yourself with liability coverage – The liability section of your policy is the coverage that protects you when you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

But I don’t know anything about car insurance

When choosing the best auto insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Should I sign the liability waiver when renting a car?
  • How do I file an SR-22 for a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does insurance cover tools stolen from my truck?
  • What are the best liability limits?
  • Am I covered when driving a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • How high should deductibles be on a 2004 Honda Accord?
  • Should I rate my 2004 Honda Accord as pleasure use or commute?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a Honda Accord

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

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

Collision coverage pays for things such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

This protects you from injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, legal defense fees, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like pain medications, funeral costs and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Save your hard earned cash

Discount 2004 Honda Accord insurance is attainable online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of ways to shop for insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small local company.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

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