1997 Honda Accord Insurance Quotes

Want lower car insurance rates for your Honda Accord? Are you a victim of high-priced car insurance? Trust us, you’re not the only one. Drivers have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, having more insurance companies makes it harder to find a good deal.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Drivers only need an understanding of the tricks to find the lowest price on the web.

Don’t miss these discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying insurance coverage for Accord insurance.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

It’s important to note that most discounts do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Companies that may offer some of the above discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Savings might not apply everywhere.

Finding Insurance Coverage

There are multiple methods to shop for 1997 Honda Accord insurance coverage, but some are less labor-intensive and much quicker. You can spend countless hours driving to local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Most of the larger companies take part in a program where prospective buyers enter their policy data once, and each participating company then returns a price quote. This prevents consumers from doing form submissions to each individual insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify the companies to get pricing from. So if you want to choose specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, make sure you use the exact same coverage limits and deductibles for every company. If you use unequal deductibles or liability limits it’s impossible to determine the best price for your Honda Accord.

Complexity of Honda Accord insurance rates

Smart consumers have a good feel for the rating factors that go into determining insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in better insurance rates.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • One company can mean more discounts – Many insurance companies will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still find a better deal by buying insurance from more than one company.
  • Being married is a good thing – Having a wife or husband actually saves money on your policy. Marriage usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • More claims means more premium – Car insurance companies award better rates to policyholders who do not file claims often. If you file claims often, you can expect higher rates. Auto insurance is designed for larger claims.
  • Traffic citations inflate rates – Only having one moving violation can increase rates twenty percent or more. Good drivers have lower premiums than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Your stress level may be raising your rates – Did you know your insurance rates can be affected by your occupation? Occupations such as lawyers, executives and stock brokers tend to have the highest rates attributed to high stress levels and long work hours. On the other hand, professions such as scientists, students and performers receive lower rates for Accord insurance.
  • More miles equals more premium – The more miles you rack up on your Honda every year the higher your rate. Most companies rate vehicles based on their usage. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Double check that your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Accord can result in significantly higher rates.

When might I need help?

When buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need more liability coverage?
  • Should I carry comprehensive and collision coverage?
  • What if I don’t agree with a claim settlement offer?
  • How high should deductibles be on a 1997 Honda Accord?
  • Where can I find high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Misconceptions in auto insurance advertisements

Consumers get pounded daily by advertisements for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the companies have a common claim that you can save after switching to them.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a driver they prefer could possibly be a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Drivers who are not a match for the “perfect” profile must pay a more expensive rate which leads to business not being written. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently claim big savings. This illustrates why it’s extremely important to compare many company’s rates. It’s not possible to predict which auto insurance company will fit your personal profile best.

Auto insurance coverage considerations

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hail damage and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, court costs, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, rehabilitation expenses, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision insurance will pay to fix damage to your Accord caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Be a penny pincher

Cheap 1997 Honda Accord insurance can be purchased 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 online quoting and most of the time these smaller companies sell through independent agents.

We covered many ways to lower your insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

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