You have lots of choices when buying insurance for your Honda vehicle. You can either buy through an insurance agent or get quotes online to compare pricing from multiple insurance companies. Buying auto insurance on the web saves time, is easy to do and at the same time you may find lower rates.
Shopping online for auto insurance is challenging if you are a beginner to online rate quotes. But relax because we're going to show you how. Finding lower Accord insurance cost isn't really that difficult. You just have to spend a little time to compare quotes online from several insurance companies. This can be accomplished by visiting this page.
FREE Car Insurance Comparison
Insurance premiums paid to insure a Honda Accord will vary greatly and are calculated by many factors. Taken into consideration are:
One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older Honda models so the costs to repair will push premiums up. Conversely, more recent Honda vehicles have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection so those may provide discounts that lower premiums.
To get a better idea how much rates will be for your vehicle, select the year of your Accord from available model years below.
Liability car insurance - This will cover damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.
Collision coverage - Collision insurance will pay to fix damage to your Honda from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.
Comprehensive auto insurance - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim 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 - This gives you protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.
How Much are Honda Accord Insurance Rates?