View 2017 Honda Accord Hybrid Insurance Rates in 2024

Finding the cheapest insurance for a new or used Honda Accord Hybrid can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to price shop coverage for your Honda and locate the lowest price.

Smart consumers take time to compare prices periodically since prices change regularly. Even if you think you had the best price on Accord Hybrid coverage last year other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance out there, but in this article, you’re going to get some of the best techniques to reduce your auto insurance bill.

How to get free insurance quotes online

Shopping for lower insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste a lot of time talking to agents in your area, or you can utilize the internet to get pricing more quickly.

Most of the best insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company then returns a price quote. This eliminates the need for repetitive form submissions to each individual insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

The only drawback to getting quotes like this is that consumers can’t choose which companies you want pricing from. If you prefer to choose specific providers to receive pricing from, we have a page of the cheapest insurance companies in your area. Click to enter zip code.

Whichever way you use, try to keep apples-to-apples quote information on every quote you get. If you use different values for each quote you can’t possibly find the best deal for your Honda Accord Hybrid.

Insurance coverage policy discounts you can’t miss

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so below is a list a few of the more common and the harder-to-find credits that you can use to lower your rates. If you are not receiving all the discounts available, you could be getting lower rates.

• Bundled Policy Discount – If you can bundle your auto and home insurance and insure them with the same company you may earn as much as 10 to 15 percent.
• New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
• Safe Drivers – Drivers who avoid accidents could pay up to 40% less on Accord Hybrid coverage as compared to drivers with claims.
• Safety Course Discount – Successfully completing a course teaching safe driver skills may get you a small discount depending on where you live.
• ABS Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
• Senior Citizen Discount – Seniors could receive a discount up to 10% on Accord Hybrid coverage.
• No Claims – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
• College Student – Any of your kids who attend college more than 100 miles from home and do not take a car to college can receive lower rates.
• Telematics Data Discounts – Insureds who allow data collection to study their driving habits by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they show good driving skills.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may include some of the discounts shown above may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before purchasing a policy, check with each insurance company which discounts you qualify for. A few discounts might not be offered in your area. To locate companies offering insurance coverage discounts, enter your zip code here.

Insurance agents can help

When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether you could use an agent’s help.

• Am I covered when driving on a suspended license?
• Can I make deliveries for my home business?
• How much underlying liability do I need for an umbrella policy?
• Do I need Motor Club coverage?
• When should I remove comp and collision on my 2017 Honda Accord Hybrid?
• Am I covered if I drive in a foreign country?
• Does liability extend to a camper or trailer?
• I have health insurance so do I need medical payments coverage?
• Do I need an umbrella policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Eight factors that influence insurance costs

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels. Many factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although some other factors are less apparent such as whether you are married or how safe your car is.

• How much liability insurance do you need? – Your car insurance policy’s liability coverage is the protection if you are ruled to be at fault for an accident. Liability provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
• Premiums are high for teenagers – More mature drivers are more cautious drivers, file fewer claims and are safer drivers. Young drivers have been known to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.
• Credit history impact car insurance rates – Having a bad credit score factor in determining what you pay. Drivers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit history can use some improvement, you could save money insuring your 2017 Honda Accord Hybrid by spending a little time repairing your credit.
• Too many claims drive up rates – Insurance companies award lower rates to insureds that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of claims that pose a financial burden.
• Don’t buy extra coverages you don’t use – There are quite a few optional add-on coverages that you can get tricked into buying on your car insurance policy. Things like personal injury protection, better glass coverage, and Farm Bureau memberships may be wasting your money. You may think they are a good idea initially, but if you’ve never needed them in the past think about removing them and cutting costs.
• Better premiums on safer vehicles – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates directly to fewer claims and thus lower rates.
• Where you reside – Residing in a rural area is a positive aspect when shopping for auto insurance. Urban drivers tend to have congested traffic and longer commute times. Lower population means reduced accidents and a lower car theft rate.
• Better prices for no policy lapses – Not having insurance is illegal and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.

Coverages available on your policy

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as legal defense fees, attorney fees and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision – This coverage pays for damage to your Accord Hybrid caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, fire damage, a broken windshield, rock chips in glass and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for doctor visits, rehabilitation expenses, dental work and ambulance fees. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Best coverage at the best price

Affordable 2017 Honda Accord Hybrid insurance is possible online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online price quotes and many times these regional carriers only sell through local independent agencies.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage at the best cost while still protecting your assets.

You just learned a lot of ways to save on 2017 Honda Accord Hybrid insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the most savings is with a lesser-known regional company.