2006 Honda Accord Insurance Rates

Want better car insurance rates for your Honda Accord? Trying to find better insurance prices for a Honda Accord can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to get price quotes for your Honda and obtain the lowest price.

It’s a great practice to price shop coverage on a regular basis because prices are usually higher with each renewal. Despite the fact that you may have had the best deal for Accord coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best methods to find great coverage at a great price.

Choosing the best insurance company for you is not rocket science. If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to learn the best way to find the lowest price online.

Insurance Coverage Comparison Rates

Lowering your 2006 Honda Accord insurance coverage rates is a fairly straight forward process. The only thing you need to do is take the time getting comparison quotes online with multiple companies. This can be accomplished using a couple different methods.

The recommended way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for separate quote forms for each company. Taking the time to complete one form gets rate comparisons instantly.It’s the quickest way to get rates.
Another way to compare rate quotes requires you to visit the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from Auto-Owners, Progressive and Allstate. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be sure to compare exactly the same information for each price quote. If you enter different values for each quote it will be very difficult to decipher which rate is best.

Is there deception in advertising?

Consumers can’t ignore all the ads that promise big savings from companies such as Progressive, Geico, Allstate and State Farm. They all make an identical promise that you’ll save big after switching your policy.

How do they all make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer could be a mature driver, has no tickets, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Consumers who don’t measure up to these standards will have to pay higher premiums which leads to the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can state the savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest Honda Accord insurance rates.

Discounts mean cheaper 2006 Honda Accord insurance rates

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Accord coverage than less cautious drivers.
Life Insurance – Some companies give a discount if you purchase life insurance from them.
Paperless Signup – A few companies give back up to $50 for buying a policy and signing up digitally online.
Claim Free – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
Low Mileage – Fewer annual miles on your Honda could qualify for discounted rates on garaged vehicles.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies who might offer these discounts are:

Before buying, ask each company how you can save money. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to buying coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out if your situation will benefit from professional help.

Does my 2006 Honda Accord need full coverage?
Should I file a claim if it’s only slightly more than my deductible?
Can I pay claims out-of-pocket if I buy high deductibles?
Is pleasure use cheaper than using my 2006 Honda Accord to commute?
Do all my vehicles need collision coverage?
Does insurance cover tools stolen from my truck?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for liability

This can cover damage that occurs to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, funeral expenses, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if 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 the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like nursing services, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Accord caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Accord.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Make a quick buck

Cost effective 2006 Honda Accord insurance can be sourced both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as poor customer service, high prices, policy non-renewal and high rates after DUI convictions. Whatever your reason, switching auto insurance companies can be easy and end up saving you some money.