2017 Honda Accord Hybrid Insurance Rates – 9 Ways to Save

Searching for cheaper insurance coverage rates for your Honda Accord Hybrid? I doubt anyone looks forward to paying premiums for insurance coverage, especially when the price is too high.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to find the absolute best rates possible.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Finding the best rates is not that difficult. But drivers do need to understand the way insurance companies determine prices.

How to buy car insurance online

To find the best car insurance rates, there are several ways to compare quotes from many different insurance companies. The recommended way to find the cheapest 2017 Honda Accord Hybrid insurance rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate quote forms for every company. Filling out one form compares rates from multiple low-cost companies.
  2. A more time consuming way to analyze rates requires you to visit each company website and complete a new quote form. For example, let’s say you want to compare rates from Progressive, Farmers and Travelers. In order to compare rates, you need to spend time on each company’s site and enter your policy data, which can get rather old.

    To view a list of companies in your area, click here.

Whichever method you choose, do your best to enter equivalent coverage information on every quote you get. If you are comparing different deductibles then you won’t be able to make a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. And when quoting car insurance, remember that getting more free quotes will enable you to find a lower rate than you’re paying now. Not every company allows you to get rate quotes online, so you need to compare rates from the smaller companies as well.

Take advantage of every car insurance discount

Some insurance providers don’t always publicize all available discounts very well, so we break down both the well known and the harder-to-find discounts that you may qualify for. If you don’t get every credit possible, you could be paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Military Discounts – Having a deployed family member can result in better premium rates.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% for Accord Hybrid coverage.
  • Memberships – Having an affiliation with qualifying clubs or civic groups may earn a discount on your next renewal.
  • Paper-free Discount – A handful of larger companies will give you a small discount for signing up digitally online.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Accident Waiver – This one is not really a discount per se, but certain companies will allow you to have one accident without the usual rate increase if you have no claims for a set time period.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Don’t be surprised that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Despite the appearance that you could get a free car insurance policy, it just doesn’t work that way.

Companies and a summarized list of policyholder discounts can be found below.

  • Geico discounts include five-year accident-free, good student, multi-vehicle, air bags, multi-policy, membership and employees, and defensive driver.
  • Auto-Owners Insurance has discounts for group or association, air bags, good student, mature driver, paid in full, and anti-theft.
  • American Family may offer discounts for bundled insurance, good student, early bird, accident-free, defensive driver, and good driver.
  • Esurance offers discounts for claim free, multi-policy, defensive driver, online quote, safety device, Switch & Save, and paid-in-full.
  • Progressive includes discounts for online quote discount, continuous coverage, homeowner, good student, and multi-policy.
  • State Farm has savings for good student, good driver, accident-free, multiple policy, student away at school, safe vehicle, and anti-theft.
  • AAA offers discounts including good driver, pay-in-full, multi-car, education and occupation, and AAA membership discount.

If you are trying to find cheaper auto insurance quotes, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not be available everywhere. If you would like to view insurance companies that provide some of the discounts listed above, click here.

How to know if you need help

When buying the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • Do I need added coverage for expensive stereo equipment?
  • When should I remove comp and collision on my 2017 Honda Accord Hybrid?
  • Should I buy additional glass protection?
  • Where can I find high-risk insurance?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if my car is in a flood?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my rates increase for filing one claim?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Collision coverage – This coverage covers damage to your Accord Hybrid resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical expenses, emergency aid, funeral expenses, court costs and legal defense fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Honda Accord Hybrid.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses like funeral costs, hospital visits, dental work, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop Smart and Save

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced collision coverage only to discover later that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Budget-conscious 2017 Honda Accord Hybrid insurance is attainable on the web and from local agencies, so you should compare both in order to have the best price selection to choose from. Some car insurance companies don’t offer price quotes online and many times these small, regional companies provide coverage only through independent insurance agents.

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