Lower Your 2024 Honda Accord Insurance Quotes

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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 8, 2024

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Trying to find lower insurance coverage rates for your Honda Accord? When searching for cheaper insurance, do you get frustrated by the dozens of insurance coverage choices in your area? You’re not alone. There are so many choices available that it can really be a real challenge to find a more affordable company.

You need to check insurance coverage prices before your next renewal since insurance prices are variable and change quite frequently. Even if you got the best deal on Accord coverage a few years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the best methods to save on insurance coverage.

Buying car insurance is not that difficult. Basically, everyone who is required by state law to have car insurance stands a good chance to be able to save money. Although consumers should learn the way insurance companies price insurance differently and use this information to your advantage.

How insurance providers determine Honda Accord insurance premiums

When buying car insurance it’s important to understand a few of the rating criteria that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you better car insurance rates.

  • Compare rates if you consolidate your policies – The majority of insurance companies give lower prices to buyers that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, you still need to get quotes from other companies to ensure the best deal.
  • Prevent car insurance lapses – Having a gap between insurance policy dates is a fast way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. 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.
  • Tough job may mean higher prices – Did you know your car insurance rates can be affected by your occupation? Occupations like doctors, police officers and financial analysts tend to pay higher average rates attributed to intense work requirements and incredibly demanding work hours. On the flip side, occupations such as farmers, athletes and homemakers generally pay rates lower than average on Accord coverage.
  • Drive less and get lower rates – Driving a lot of miles every year the more it will cost to insure it. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars that have low annual miles get more affordable rates than those used for commuting. Verify your car insurance policy states the correct driver usage, because improper ratings can cost you money. An improperly rated Accord may be wasting your money.
  • Adjust coverage deductibles and save – Insurance for physical damage to your car, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of covered claims could be a windshield shattered by a rock, damage from fire, and burglary. The deductibles you choose represent how much money you are willing to pay before your car insurance pays a claim. The more you’re willing to pay, the bigger discount you will receive on Accord coverage.

The method we recommend to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies allow for online access to give you rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information like driver ages, whether or not you need a SR-22, if the vehicle is leased, and whether you drive to work or school. Your information is then submitted to multiple companies and you will receive price estimates within a short period of time.

Don’t believe everything you hear

Insurance companies such as Progressive, Allstate and GEICO regularly use ads on television and other media. All the companies make the same claim that drivers can save some big amount if you move your policy. How does every insurance company make almost identical claims? Here is the trick they use.

Insurance providers are able to cherry pick for the type of driver that will add to their bottom line. One example of this type of insured may need to be between 25 and 40, has had continuous coverage, and has a short commute. Any new insured that matches those criteria will probably get the lowest premium rates and will most likely pay quite a bit less when switching companies.

People who don’t measure up to the requirements will probably be forced to pay higher premiums which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully lure you into getting a quote. This really drives home the point why drivers should compare rate quotes every year. It’s not possible to predict which insurance company will fit you best based on your risk profile.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but you may find discounts that many consumers don’t even know exist. Some discounts apply automatically when you get a quote, but once in a while a discount must be asked about before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Anti-lock Brakes – Cars with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
  • Driver’s Ed – Have your child successfully take a drivers education course in school or through a local driver safety program.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn lower rates due to less chance of an accident.
  • Telematics Devices – People who choose to allow driving data submission to study driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
  • New Car Discount – Buying insurance coverage on a new vehicle can cost up to 25% less because new vehicles keep occupants safer.
  • No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote as compared to drivers who are more careless.
  • Employee of Federal Government – Federal government employees could provide a small rate reduction on Accord coverage depending on your company.
  • Multiple Vehicles – Drivers who insure multiple cars or trucks with the same car insurance company can reduce rates for all insured vehicles.
  • Distant Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle could get you a discount.

A little disclaimer on discounts, most discount credits are not given to the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So even though you would think you could get a free car insurance policy, you won’t be that lucky.

A list of companies and some of their more popular discounts are outlined below.

  • GEICO policyholders can earn discounts including multi-vehicle, daytime running lights, military active duty, defensive driver, seat belt use, multi-policy, and anti-theft.
  • Travelers discounts include payment discounts, student away at school, IntelliDrive, hybrid/electric vehicle, and early quote.
  • Farm Bureau offers premium reductions for multi-vehicle, youthful driver, multi-policy, driver training, safe driver, renewal discount, and good student.
  • Liberty Mutual may include discounts for safety features, new vehicle discount, hybrid vehicle, newly retired, multi-policy, and exclusive group savings.
  • American Family includes discounts for air bags, Steer into Savings, TimeAway discount, defensive driver, and good student.
  • Progressive offers discounts for multi-vehicle, continuous coverage, online quote discount, multi-policy, and homeowner.

Before purchasing a policy, check with all the companies the best way to save money. Some discounts listed above may not apply in your area.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from an agent’s advice.

  • What vehicles should carry emergency assistance coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Should I buy additional glass protection?
  • What happens if I owe more than my 2024 Honda Accord is worth?
  • How do I buy GAP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage basics

Having a good grasp of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. 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. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as court costs, legal defense fees, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, surgery, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a bird, a tree branch falling on your vehicle, damage from getting keyed and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Honda Accord.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

A little work can save a LOT of money

We just showed you some good ideas how you can shop for 2024 Honda Accord insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance. You may even discover the lowest premium rates come from some of the smallest insurance companies.

Consumers change insurance companies for many reasons like lack of trust in their agent, high rates after DUI convictions, high prices or even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

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