Compare 1993 Honda Accord Car Insurance Rates

Trying to find the cheapest insurance rates for your Honda Accord? Comparison shopping for insurance can seem to be hard for beginners to shopping for insurance online. There are so many choices that it can easily become a real hassle to find lower rates.

It’s a great practice to check insurance prices periodically because prices go up and down regularly. Just because you had the best rates on Accord insurance two years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Don’t miss out on these money-saving discounts

Companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known car insurance savings.

  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Accord insurance than drivers with accidents.
  • Claim Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Bundle and Save – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Discount for New Cars – Insuring a new car can save up to 30% compared to insuring an older model.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.

It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

To see a list of companies with discount car insurance rates, follow this link.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if you could use an agent’s help.

  • Do I need replacement cost coverage on my 1993 Honda Accord?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving a rental car?
  • Am I insured when driving a different vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • What should my uninsured motorist coverage limits be in my state?
  • Do all my vehicles need collision coverage?
  • Should I buy only the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the ads make the same claim about savings if you switch your coverage to them. How does each company say the same thing?

Different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a desirable insured could be over the age of 40, is a homeowner, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and most likely will save a lot of money.

Drivers who don’t meet the requirements must pay more money and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can state the savings. This illustrates why drivers must compare many company’s rates. It’s impossible to know which auto insurance company will fit your personal profile best.

Coverage specifics

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not 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 commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, funeral expenses, repair bills for other people’s vehicles, structural damage and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, chiropractic care, prosthetic devices, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Accord.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, vandalism, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote often and quote early

We just presented a lot of information how to shop for 1993 Honda Accord insurance online. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a small local company.

Lower-priced insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Consumers change insurance companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, denial of a claim or questionable increases in premium. It doesn’t matter why you want to switch switching insurance companies is not as hard as you think.

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