2016 Honda Accord Car Insurance Quotes – 6 Policy Discounts

Think you have an expensive insurance coverage policy? Believe me, there are many people just like you.

Companies like Allstate and Progressive all promote huge savings with ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

How to buy auto insurance

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each company provides a quote based on that information. This system prevents you from having to do repetitive form submissions for each company.

To compare rates using this form now click here to start a free quote.

The single downside to using this type of system is that consumers can’t choose which insurance companies you want pricing from. So if you prefer to pick specific providers for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage limits for every company. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Honda Accord. Even a minor difference in insurance coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing more company’s prices helps improve the odds of finding a lower rate.

How to know if you need help

When buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Who is covered when they drive my 2016 Honda Accord?
• Do I really need UM/UIM coverage?
• Are there companies who specialize in insuring high-risk drivers?
• How much liability do I need to cover my assets?
• Should I drop comprehensive coverage on older vehicles?
• How high should my medical payments coverage be?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my policy cover me when driving someone else’s vehicle?
• What exactly is covered by my policy?
• Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance policy coverages for a 2016 Honda Accord

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Collision – Collision insurance covers damage to your Accord caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability – This can cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as loss of income, medical services, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills like surgery, hospital visits, EMT expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Accord.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, vandalism, theft, rock chips in glass and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.