How to Save on San Diego Honda Accord Insurance

Want low-cost Honda Accord insurance in San Diego? Are you regretting the purchase of high-priced Honda Accord insurance in San Diego? Trust us when we tell you there are lots of people in the same boat.

Insurance for Honda AccordIt’s shocking but most car insurance policyholders in California have purchased from the same company for well over three years, and 38% of drivers have never compared rates to find cheap insurance. Drivers in the U.S. could pocket approximately $850 a year just by comparing rates, but they feel it’s too difficult to go online and compare rates.

Big-name insurance companies like Allstate and Progressive continually bombard you with catchy ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.

You should make it a habit to do rate comparisons periodically because prices are variable and change quite frequently. Just because you found the lowest quotes on Honda Accord insurance in San Diego a year ago you can probably find a lower rate today. You’ll find a ton of advice on Accord insurance on the web, but we’re going to give you a lot of great tips on how to buy car insurance cheaper in San Diego.

If you have auto insurance now, you will definitely be able to buy cheaper auto insurance using the concepts you’re about to learn. Locating the most cost-effective auto insurance policy in San Diego can be much easier if you know how to start. Although California consumers do need to learn how companies calculate your auto insurance rates and use it to your advantage.

Best companies for competitive Honda Accord insurance in California

The following companies are our best choices to provide price quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.

Honda Accord Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,280 $107
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $324 $648 $454 $26 $136 $1,588 $132
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,280 $107
Accord LX-P 4-Dr Sedan $178 $292 $384 $22 $114 $990 $83
Accord EX-L 4-Dr Sedan $368 $672 $384 $22 $114 $1,560 $130
Accord EX 2-Dr Coupe $252 $502 $514 $30 $154 $1,452 $121
Accord LX-S 2-Dr Coupe $310 $624 $514 $30 $154 $1,632 $136
Accord EX-L 2-Dr Coupe $370 $792 $524 $32 $156 $1,874 $156
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in San Diego location which can increase or decrease premiums substantially.

Responsible drivers pay cheaper San Diego auto insurance rates

The diagram below demonstrates how speeding tickets and fender-benders can drive up Honda Accord insurance costs for each age group. Data assumes a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Honda Accord liability rates compared to full coverage

The information below illustrates the comparison of Honda Accord premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, single male driver, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Honda Accord book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your deductible. If it’s costing in excess of $400 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

An analysis of deductible level

The diagram below shows how choosing a deductible and can influence Honda Accord insurance costs for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

How Insurers Determine Honda Accord Insurance Rates

It’s important that you understand some of the elements that aid in calculating your premiums. If you have some idea of what determines base rates, this allows you to make good choices that can help you get lower premium levels. Multiple criteria are used when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are less apparent such as whether you are married or your vehicle rating.

The items below are some of the factors used by insurance companies to determine prices.

Don’t overlook these Honda Accord insurance discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but some must be asked for prior to receiving the credit. If you’re not getting every credit you qualify for, you’re paying more than you need to.Save money with discounts

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you aren’t that lucky. But any discount will bring down your overall bill.

Large auto insurance companies and some of the premium reductions they offer are included below.

Check with every insurance company how you can save money. Some discounts listed above may not apply to policyholders in every state. If you would like to choose from a list of insurance companies with discount auto insurance rates in California, click here to view.

When should I talk to an agent?

A lot of people just prefer to sit down with an agent. A nice benefit of comparing rates online is you may find lower rates and still have an agent to talk to.

To find an agent, once you fill out this quick form, your insurance data is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer since rate quotes are delivered instantly to you. You can find lower rates AND a local agent. If you wish to get a price quote for a specific company, you just need to search and find their rate quote page and complete a quote there.

Deciding on an insurance company should include more criteria than just a low price. These are some questions you should get answers to.

Be persistent to save money

We just showed you many ideas to shop for Honda Accord insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may even discover the most savings is with an unexpected company. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Cheaper Honda Accord insurance in San Diego can be found online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. A few companies may not offer online price quotes and many times these small insurance companies work with independent insurance agents.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

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