1996 Honda Accord Insurance Quotes – 6 Savings Tips

Looking for better auto insurance rates? Shoppers have a choice when shopping for the best price on Honda Accord insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to get rate quotes. There are both good and bad ways to buy auto insurance and we’ll show you the best way to get price quotes for a Honda and find the lowest price either online or from local insurance agents.

If you are insured now or need a new policy, you can follow these tips to find the best rates and still get good coverage. This information will tell you the best way to quote coverages and some tricks to saving. Drivers only need an understanding of the proper methods to compare rates on the web.

Compare Quotes for Auto Insurance

Lowering your 1996 Honda Accord auto insurance rates is a fairly straight forward process. Consumers just need to take time to compare rate quotes online with multiple companies. This can be done using a couple different methods.

  1. The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing repetitive form entry for each company. Taking the time to complete one form will get you rate comparisons from multiple companies. It’s the fastest way to compare.
  2. A harder way to get comparison quotes is to take the time to go to the website of each company and request a quote. For example, we’ll assume you want to compare Geico, State Farm and GMAC. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever method you choose, compare identical coverage limits on every quote you get. If you enter unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Should I buy additional glass protection?
  • Why does it cost so much to insure a teen driver?
  • Should I carry comprehensive and collision coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Which is better, split liability limits or combined limits?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision protection

Collision coverage pays for damage to your Accord from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, scraping a guard rail, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1996 Honda Accord.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This coverage protects you from damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, structural damage, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.