Compare 1994 Honda Accord Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Honda Accord? Searching for the cheapest insurance for a Honda Accord can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for a new or used Honda and get the cheapest rates from local insurance agents and online providers.

Smart consumers take time to take a look at other company’s rates at least once a year due to the fact that insurance rates change quite often. Just because you had the best deal on Accord coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay while maintaining coverages. Finding cheaper auto insurance coverage can be fairly easy. Consumers just need to know how to shop on the web.

Take advantage of discounts

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Most are applied when you quote, but less common discounts must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Accord coverage with select insurance companies.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Student in College – Children who live away from home and do not have a car may be able to be covered for less.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance on Accord coverage.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not apply in your state.

The easiest way to get policy rate comparisons is to realize most insurance companies allow for online access to compare their rates. The one thing you need to do is take a few minutes to give details such as your education level, your credit rating estimate, how your vehicles are used, and the type of vehicles you drive. Your rating data gets transmitted to multiple insurance coverage providers and you will receive price estimates very quickly.

To start a quote now, click here and enter the information requested.

What determines your Honda Accord insurance premium

It’s important that you understand the different types of things that play a part in calculating insurance coverage rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can buy when buying insurance coverage. Insurance for vanishing deductibles, towing coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Just one moving violation may increase your cost twenty percent or more. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you work long hours in a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as real estate brokers, social workers and dentists tend to pay the highest average rates due to high stress levels and lots of time spent at work. Other professions such as pilots, historians and homemakers have the lowest average rates on Accord coverage.
  • Discounts for multiple policies – Some insurers give discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money. Drivers may still find better rates by buying insurance coverage from a different company.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • More people means more accidents – Living in small towns and rural areas can be a good thing when insuring your vehicles. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times means more change of being in an accident.
  • Having a spouse can save you money – Having a spouse can get you a discount when buying insurance coverage. Having a significant other means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.

How to know if you need help

When choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Which is better, split liability limits or combined limits?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy full coverage?
  • Does having multiple vehicles earn me a discount?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

How can Progressive, Allstate and Geico save drivers who switch?

Consumers can’t ignore all the ads for the lowest price auto insurance by Progressive, Allstate and Geico. They all make an identical promise that you’ll save big if you change to their company.

How do they all make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. For instance, a preferred risk could be between 30 and 50, owns a home, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will be charged a more expensive rate and ends up with business not being written. The ads state “customers that switch” not “people who quote” save that much money. That’s why insurance companies can make the claims of big savings.

That is why you absolutely need to compare many company’s rates. Because you never know which insurance company will give you the biggest savings on Honda Accord insurance.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from 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 limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision – Collision insurance will pay to fix damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole, crashing into a building, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like ambulance fees, dental work, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Don’t be a big spender

Cheaper 1994 Honda Accord insurance can be bought online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer online quoting and these smaller companies work with independent agents.

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds change insurance companies for many reasons like delays in paying claims, delays in responding to claim requests, not issuing a premium refund or unfair underwriting practices. Whatever your reason, choosing a new company can be less work than you think.

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