1991 Honda Accord Insurance Rates

Buyers have lots of choices when searching for affordable Honda Accord insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to find the lowest rates.

There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for your Honda and locate the cheapest rates from both online companies and local agents.

It’s a good idea to price shop coverage periodically because insurance rates are adjusted regularly by insurance companies. Just because you found the best price for Accord insurance a year ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about auto insurance because it’s time to teach you the best methods to lower your annual insurance bill.

The purpose of this article is to help you learn how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Drivers only need to know the most effective way to buy car insurance online.

The quickest method we recommend to compare car insurance company rates is to know the fact auto insurance companies have advanced systems to give you rate quotes. All consumers are required to do is provide a little information like how old drivers are, how much you drive, any included safety features, and if you require a SR-22. That rating data gets sent immediately to multiple top-rated companies and you should receive rate quotes instantly.

To find lower rates now, click here and enter your coverage details.

Save money by taking advantage of these discounts

Car insurance is not cheap, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at quote time, but some may not be applied and must be specially asked for prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Accord insurance with a few insurance coverage companies.
  • Distant Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • E-sign – Certain companies will give a small break for buying your policy digitally online.
  • No Accidents – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Accord insurance than their less cautious counterparts.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts might not be offered in your state.

Your Honda Accord insurance rate is a complex equation

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower insurance coverage prices.

The list below includes some of the factors that factor into your rates.

  • Rates may be higher depending on your occupation – Did you know your insurance coverage rates can be affected by your occupation? Careers like doctors, executives and dentists have the highest average rates due to high stress and lengthy work days. Other professions such as pilots, historians and performers get better rates for Accord insurance.
  • Multiple policies with one company can save – Most insurance companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
  • More people means more accidents – Residing in a small town is a positive aspect when insuring your vehicles. City drivers regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Poor driving leads to higher costs – Good drivers have lower premiums than people who have multiple driving citations. Only having one ticket can increase rates by as much as thirty percent. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Too many insurance coverage claims drive up costs – Car insurance companies generally give cheaper rates to policyholders who are claim-free. If you are a frequent claim filer, you can expect higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.

When should I use an insurance agent?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • Is a fancy paint job covered?
  • Do I need an umbrella policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • Do I need medical payments coverage since I have good health insurance?
  • How many claims can I have before being cancelled?
  • Do all my vehicles need collision coverage?
  • What vehicles should carry emergency assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a Honda Accord

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Auto collision coverage

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

Collision coverage pays for things such as colliding with a tree, crashing into a building, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees, structural damage, attorney fees and court costs. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Shop. Compare. Save.

Consumers switch companies for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. Whatever your reason, finding a great new company can be less work than you think.

We covered many ways to get a better price on 1991 Honda Accord insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising.

As you shop your coverage around, do not buy less coverage just to save a little money. There have been many situations where someone dropped physical damage coverage only to find out that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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