View 2014 Honda Accord Hybrid Insurance Quotes

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, there are many people just like you. You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more difficult to adequately compare rates.

What determines your Honda Accord Hybrid insurance premium

It’s important that you understand some of the elements that play a part in calculating your insurance rates. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces insurance companies consider when setting your rates.

  • Little extras can really add up – There are quite a few add-on coverages you can purchase on your Accord Hybrid policy. Things like personal injury protection, better glass coverage and motor club memberships are some examples. They may seem good initially, but if you don’t need them remove them from your policy.
  • Protect your assets with liability insurance – Liability insurance is the protection if ever a jury decides you are liable for damages from an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Discounts for married couples – Being married can get you a discount on your insurance policy. Having a significant other means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • What are your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Honda from damage. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more you’re willing to pay, the bigger discount you will receive for Accord Hybrid coverage.
  • Do you work long hours in a high stress job? – Careers like real estate brokers, business owners and stock brokers tend to pay the highest rates attributed to stressful work requirements and long work days. On the other hand, jobs such as pilots, students and retirees have the lowest average rates for Accord Hybrid coverage.
  • You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide cheaper rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Do you qualify for a multi-policy discount? – Most insurance companies will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal.

How to Get Insurance

Most major insurance companies such as Allstate, GEICO and Progressive give insurance quotes on their websites. Obtaining pricing is fairly straightforward as you just type in your required coverages into a form. Once entered, the company’s rating system pulls your driving and credit reports and returns pricing information. Being able to quote online helps simplify price comparisons, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. But it is imperative to have as many quotes as possible if you want to find better insurance pricing.

The easiest way to get multiple rate quotes uses one form that analyzes rates from several different companies. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable. After your information is entered, it is rated and you can choose any or none of the pricing results. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and could lower your rates considerably.

To compare rates now, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting comparison quotes for exact coverage.

Can you really save that much by switching?

Drivers get pounded daily by advertisements that promise big savings by companies like Allstate, GEICO and Progressive. All the ads say the same thing about savings if you move to them.

How do they all say the same thing? This is how they do it.

All companies can use profiling for the right customer that earns them a profit. A good example of a preferred risk could be between the ages of 40 and 55, is a homeowner, and has a short commute. Any new insured who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will be charged higher prices which usually ends up with business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully state the savings. That is why it’s extremely important to get as many comparisons as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Don’t miss these discounts

Auto insurance companies don’t list every discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Accord Hybrid coverage with select insurance companies.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers with discount insurance rates, click here.

When might I need help?

When it comes to buying coverage, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • When does my teenage driver need to be added to my policy?
  • When should I drop full coverage on my 2014 Honda Accord Hybrid?
  • Can I afford to pay high deductible claims out of pocket?
  • Do all my vehicles need collision coverage?
  • Is business property covered if stolen from my car?
  • Is my Honda Accord Hybrid covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Auto collision coverage

Collision coverage pays for damage to your Accord Hybrid resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, vandalism and falling objects. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for bills for EMT expenses, hospital visits, chiropractic care and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Accord Hybrid.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, emergency aid, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

Cheaper 2014 Honda Accord Hybrid insurance can be bought online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best price.

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