Lower Your 2022 Honda Accord Car Insurance Quotes in 2024

Price shopping your Driversauto insurance is always hard for people who are beginners to comparing prices online. You have so many options that it can easily be more work than you anticipated to find cheaper prices.

Consumers need to do rate comparisons at least once a year because auto insurance prices trend upward over time. If you had the lowest rates for Accord insurance at your last renewal you will most likely find a better rate quote today. There are a lot of ways to save on auto insurance online but we’re going to give you some of the best techniques to save money.

The quickest method to get policy rate comparisons is to know the fact most insurance companies will pay a fee to provide you with a free rate quote. The one thing you need to do is provide a little information such as if you have an active license, whether you are married, how old drivers are, and the year, make and model of vehicles. That information is sent automatically to multiple top-rated companies and you will receive price estimates within a short period of time.

Auto Insurance Discounts

Some companies don’t list all possible discounts in an easy-to-find place, so the following list contains both the well known as well as some of the hidden credits that you can use to lower your rates.

• Early Switch Discount – Some larger companies reward drivers for switching companies prior to your current policy expiration. This discount can save up to 10%.
• Smart Student Discounts – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
• Air Bag Discount – Options like air bags may qualify for discounts as much as 30%.
• Professional Organizations – Belonging to a qualifying organization could trigger savings on your next auto insurance statement.
• Responsible Driver Discounts – Drivers who avoid accidents could pay up to 40% less for Accord insurance than drivers with accidents.
• Government Employees – Active or retired federal employment can earn a discount up to 10% for Accord insurance with certain companies.
• No Claim Discounts – Insureds with no claims or accidents get the best auto insurance rates as opposed to drivers with a long claim history.
• More Vehicles More Savings – Insuring more than one vehicle on a single policy qualifies for this discount.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

Some companies who might offer many of the previously listed discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need affordable car insurance quotes, ask each company or agent to give you their best rates. Some discounts listed above may not be offered in your area. To locate insurance companies that offer many of these discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover if your situation might need professional guidance.

• Am I covered if I drive in a foreign country?
• I have a DUI can I still get coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Who is covered when they drive my 2022 Honda Accord?
• Does my insurance cover a custom paint job?
• Does my insurance cover my expensive audio equipment?
• Do I have coverage for damage caused while driving under the influence?
• Do I need PIP (personal injury protection) coverage in my state?
• Does medical payments coverage apply to all occupants?
• How many claims can I have before being cancelled?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Learn how to lower your insurance rates

Many factors are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving record, but some are not as apparent like your vehicle usage or your vehicle rating.

The following are some of the factors that factor into your rate level.

• Teenagers are high risk – Beginning drivers are proven to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher. Parents adding a beginning driver onto your insurance coverage can be very expensive. Mature drivers tend to be more responsible, file fewer claims and are safer drivers.
• Avoid unnecessary incidental coverages – Insurance policies have a lot of extra add-on coverages that sound like a good idea at the time on your insurance coverage policy. Coverages like vanishing deductibles, death and dismemberment, and Farm Bureau memberships are probably not needed. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Drive less and get lower rates – The more miles you rack up on your Honda each year the more you will pay for insurance coverage. Many insurance companies calculate rates partially by how you use the vehicle. Cars and trucks that do not get driven very much get more affordable rates than cars that get driven a lot. It’s a smart idea to ensure your insurance coverage policy is rated on annual mileage, because it can save money. An incorrectly rated Accord may be wasting your money.
• Females tend to take less risk – Statistics show females are less aggressive when driving. This data doesn’t prove that women are better drivers. Women and men are in fender benders at a similar rate, but males have costlier accidents. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are the most expensive to insure and therefore are the most expensive to insure.
• Inexpensive frequent insurance claims are not good – Auto insurance companies award lower rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Advertising myths

Well-known insurance coverage companies like Allstate and Progressive seem to constantly run television, radio, and online ads. They all seem to have a common claim that you’ll save big if you move your insurance coverage coverage to their company. It sounds good, but how can they all offer you a better deal? It’s all in the wording.

All the different companies have specific criteria for the type of customer they prefer to insure. One example of a driver they prefer may be between 30 and 50, carries full coverage, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will probably get cheap prices and will most likely cut their rates substantially.

Potential customers who fall outside the requirements will have to pay higher prices and the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that much. That’s the way companies can truthfully make the claims of big savings. Because of these techniques, you absolutely need to compare as many free car insurance quotes as you can. It is just not possible to predict with any certainty which company will have the lowest rates.

Auto insurance policy coverages for a 2022 Honda Accord

Knowing the specifics of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays for damage to your Accord caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, surgery, chiropractic care and pain medications. They are used to cover expenses not covered by your 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. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability insurance will cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2022 Honda Accord.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

The best insurance company isn’t always the cheapest

We just showed you a lot of ways to compare 2022 Honda Accord insurance car insurance rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable car insurance. Consumers may even find the lowest car insurance rates come from a small mutual company.

Insureds who switch companies do it for many reasons like denial of a claim, high rates after DUI convictions, policy non-renewal and even extreme rates for teen drivers. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

Discount 2022 Honda Accord insurance can be found online as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer online rate quotes and usually these small insurance companies only sell through independent insurance agencies.