2011 Honda Accord Insurance Quotes

Sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than most other car owners.

Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rate

It’s a good habit to compare prices periodically because prices go up and down regularly. Just because you had the best deal for Accord coverage a year ago you will most likely find a better rate today. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get some great ideas on how to quit paying high car insurance rates.

If you are paying for car insurance now, you will be able to save some money using these techniques. Buying car insurance is quite easy. But drivers can benefit from knowing the way insurance companies sell online.

Get lower rates on 2011 Honda Accord insurance

Companies don’t necessarily list all available discounts very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Accord coverage.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Accord coverage with select insurance companies.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Paperwork-free – Certain companies give back up to $50 simply for signing over the internet.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Double check with all companies you are considering how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Do I need roadside assistance coverage?
  • When would I need additional glass coverage?
  • What is covered by UM/UIM coverage?
  • When can my company non-renew my policy?
  • Can I afford low physical damage deductibles?
  • Is my teen driver covered when they drive my company car?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Accord caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses for chiropractic care, ambulance fees, X-ray expenses, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability auto insurance – Liability coverage will cover damage that occurs to people or other property. It protects YOU against other people’s claims. 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. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, theft, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Honda Accord.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Buy online or local, you save

We just presented some good ideas how to reduce 2011 Honda Accord insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Discount insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

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