Cheapest 2009 Honda Accord Insurance Rates in 2023
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UPDATED: Mar 19, 2020
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I can’t think of a single person who likes paying for insurance, in particular when they are paying too much.
Online insurance companies like GEICO and Progressive constantly bombard you with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.
It’s a good idea to take a look at other company’s rates quite often because insurance rates change quite often. Just because you found the best price for Accord insurance six months ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance online, so we’re going to give you some great ways to quit paying high insurance rates.
The quickest way to compare rate quotes is to know almost all companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data such as if you have a valid license, how much school you completed, if the car is leased, and whether you are married. Your information is submitted instantly to multiple top-rated companies and they provide comparison quotes very quickly.
You probably qualify for some discounts
Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you purchase, but less common discounts must be manually applied in order for you to get them.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
- Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
- Clubs and Organizations – Belonging to a professional or civic organization may earn a discount on insurance for Accord insurance.
Keep in mind that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down your overall premium however.
For a list of insurers with the best insurance discounts, click here to view.
There’s no such thing as the perfect policy
When it comes to buying coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if you will benefit from professional help.
- When does my teenage driver need to be added to my policy?
- Is upholstery damage covered by car insurance?
- Is my ex-spouse still covered by my policy?
- I don’t drive much so do I pay less?
- Do I have newly-aquired coverage?
- Is my custom paint covered by insurance?
- Am I covered if I wreck a rental car?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
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Auto insurance coverages
Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.
This coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like bail bonds, funeral expenses and loss of income. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, ambulance fees and rehabilitation expenses. 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 as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like a tree branch falling on your vehicle, fire damage, damage from getting keyed, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision insurance covers damage to your Accord caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like hitting a parking meter, rolling your car, crashing into a building, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
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