2019 Honda Accord Hybrid Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Trying to find lower car insurance rates? Buyers have many options when searching for low-cost Honda Accord Hybrid insurance. They can either waste time calling around to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to compare rates for a Honda and obtain the best price possible.

If you have insurance now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. This article will tell you how to effectively get price quotes and some tricks to saving. Drivers only need an understanding of the tricks to get comparison quotes online.

Why you might pay higher rates

It’s important that you understand some of the things that help determine car insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in lower rates.

Listed below are some of the factors used by companies to determine your prices.

  • Increase comp and collision deductibles and save – Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your Honda. Some instances where coverage would apply would be a windshield shattered by a rock, hitting a deer, and damage caused by flying debris. Your deductibles define how much you are required to pay if you file a covered claim. The more the insured has to pay upfront, the lower your rates will be on Accord Hybrid insurance.
  • An active claims history can increase rates – If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Companies provide most affordable rates to people who file claims infrequently. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Never let your car insurance policy expire – Driving without insurance coverage in place is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, failure to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Married people drive safer – Being married can get you a discount on car insurance. It means you’re less irresponsible and it’s proven that being married results in fewer claims.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies participate in a system to provide you with a free rate quote. All consumers are required to do is provide a small amount of information such as if it has an anti-theft system, if you require a SR-22, how old drivers are, and if you lease or own. The rating information is instantly submitted to many different companies and they return cost estimate instantly.

Use discounts to get cheaper auto insurance quotes

Companies don’t always advertise the entire discount list very well, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies permit an accident without the usual rate increase if you are claim-free prior to being involved in the accident.
  • No Claim Discounts – Drivers who don’t have accidents pay much less compared to drivers with a long claim history.
  • Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Military Discounts – Having a deployed family member may lower your prices slightly.
  • Safety Course Discount – Taking part in a course that instructs on driving safety can save you 5% or more if you qualify.
  • Discounts for Multiple Vehicles – Buying coverage for more than one vehicle with the same company can get a discount for every vehicle.
  • Good Student Discount – Being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to see a list of providers that can offer you the previously mentioned discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

For example, these questions may help you determine whether you will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are my friends covered when driving my car?
  • Do I need more liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why is insurance for a teen driver so high?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage covers damage to your Accord Hybrid resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, backing into a parked car, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses such as dental work, prosthetic devices, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2019 Honda Accord Hybrid.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Pennies from heaven

Insureds leave their current company for many reasons like unfair underwriting practices, policy cancellation, high rates after DUI convictions and questionable increases in premium. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

Some companies may not provide rate quotes online and these smaller providers work with independent insurance agencies. Lower-priced insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money.

We just covered many ways to get a better price on 2019 Honda Accord Hybrid insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from an unexpected company.

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