Cheaper 1999 Honda Accord Car Insurance Cost

Trying to find lower insurance coverage rates for your Honda Accord? Have you fallen victim to overpriced insurance coverage? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage.

Numerous car insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest cost out there.

It’s important to price shop coverage once or twice a year because rates go up and down regularly. Even if you think you had the lowest price on Accord insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the only way to reduce your cost while improving coverage.

The quickest method to compare car insurance company rates is to know the trick most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide details such as any included safety features, if you have an active license, which vehicles you own, and driver ages. That rating data is then sent to many different companies and you will receive price estimates instantly.

To compare rates for a now, click here then complete the form.

Your coverage should be tailored to you

When choosing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining whether or not you could use an agent’s help.

Are all vehicle passengers covered by medical payments coverage?
How do I insure my teen driver?
Does coverage extend to my business vehicle?
What if I total my 1999 Honda Accord and owe more than it’s worth?
Does coverage extend to Mexico or Canada?
Am I covered if my car is in a flood?
Am I covered if I hit my neighbor’s mailbox?
Am I covered if I drive in a foreign country?
Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage

This covers damage to your Accord resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Honda Accord.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, a broken windshield, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills such as pain medications, dental work, EMT expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability

This coverage will cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, pain and suffering, emergency aid, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.