Car Insurance Quotes for a Honda Accord in Mesa

Finding cheaper insurance for your Honda Accord in Arizona could be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to quote coverages for your Honda and find the lowest price either online or from Mesa insurance agents.

It’s an obvious assumption that auto insurance companies don’t want you quoting rates from other companies. Insureds who shop around for a cheaper policy are likely to move their business because of the high probability of finding a lower rate. A recent survey found that people who routinely shopped for cheaper coverage saved on average $70 a month as compared to drivers who never compared other company’s rates.

If finding budget-friendly auto insurance is your objective, then learning about the best ways to shop for cheaper coverage can help you succeed in finding affordable rates.

Smart consumers take time to compare rates every six months since insurance prices change regularly. Even if you think you had the lowest rates on Honda Accord insurance in Mesa six months ago other companies may now be cheaper. There are a lot of ways to save on Accord insurance on the web, but in this article, you’re going to get the easiest ways to slash your insurance rates in Mesa.

Take advantage of these discounts

Not too many consumers would say auto insurance is affordable, but you may qualify for discounts that can dramatically reduce your bill. Some discounts apply automatically at quote time, but less common discounts must be asked for prior to receiving the credit. If you’re not getting every credit you qualify for, you are just wasting money.

• Early Renewal Discounts – Some larger companies give discounts for signing up prior to your current Accord insurance policy expiring. You could save around 10% when you buy Mesa auto insurance online.
• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
• Driver Safety – Participating in a class that teaches driver safety techniques could earn you a small percentage discount depending on where you live.
• Clubs and Organizations – Having an affiliation with a civic or occupational organization in Mesa could earn you a nice discount on auto insurance.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully take a driver’s education course in school or through a local driver safety program.
• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you will save up to 20% off your total Accord insurance premium.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will lower the amount you have to pay.

The illustration below illustrates the difference between Honda Accord insurance prices with and without discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

A list of companies and their offered discounts are shown below.

• GEICO may have discounts that include anti-lock brakes, daytime running lights, defensive driver, multi-policy, military active duty, membership and employees, and emergency military deployment.
• MetLife may include discounts for multi-policy, accident-free, good student, claim-free, and good driver.
• State Farm has savings for accident-free, good student, anti-theft, safe vehicle, good driver, student away at school, and Drive Safe & Save.
• Progressive offers discounts for good student, multi-vehicle, online signing, online quote discount, homeowner, multi-policy, and continuous coverage.
• Mercury Insurance discounts include good driver, ease of repair, professional/association, location of vehicle, accident-free, and multi-policy.
• 21st Century may offer discounts for student driver, theft prevention, anti-lock brakes, automatic seat belts, teen driver, good student, and air bags.
• Allstate has discounts for EZ pay plan discount, anti-theft, early signing, good student, farm vehicle, and safe driver.

If you need lower rates, check with all companies you are considering how many discounts you can get. A few discounts may not be offered everywhere. To see auto insurance companies with discount rates in Mesa, follow this link.

Compare Honda Accord insurance rates

The companies shown below can provide comparison quotes in Arizona. If multiple companies are listed, we suggest you visit as many as you can in order to find the most affordable rates.

Insurance rate breakdown

The price information displayed below highlights different insurance prices for Honda Accord models. Having a better idea how policy rates are established can assist in making smart choices when selecting a policy.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific zip code location which can decrease or increase coverage rates noticeably.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The following insurance rates highlight how much more you’ll pay when you select higher and lower deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can lower or raise coverage prices noticeably.

Based on this data, using a $250 deductible costs an average of $11 more each month or $132 each year averaged for all Accord models than quoting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 23 months between claims, you would save more money if you elect the higher deductible.

The chart below demonstrates how deductibles and can influence Honda Accord insurance costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Violations and accidents raise rates

The example below highlights how speeding tickets and at-fault fender-benders can influence Honda Accord auto insurance rates for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Auto insurance prices based on gender

The illustration below visualizes the comparison of Honda Accord yearly insurance costs for male and female drivers. The premiums are based on no claims or driving citations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below compares Honda Accord insurance prices with and without physical damage coverage. The rates are based on no claims or driving violations, $250 deductibles, single status, and no other discounts are factored in.

When to stop buying full coverage

There is no exact rule to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Honda Accord settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Getting quotes from local Mesa car insurance agents

Some people still prefer to visit with an insurance agent and that is OK! Professional agents can answer important questions and give you someone to call. One of the great benefits of getting free rate quotes online is the fact that you can find cheaper car insurance rates and still choose a local agent.

Once you complete this short form, your insurance coverage information is transmitted to local insurance agents who want to provide quotes for your business. There is no reason to search for an agent because quoted prices will be sent immediately to you. If for some reason you want to get a comparison quote from a specific auto insurance provider, just go to their quote page and submit a quote form there.

Finding the right provider shouldn’t rely on just a cheap price quote. Here are some questions you should ask.

• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Can you use your own choice of collision repair facility?
• Is the agency involved in supporting local community causes?
• Will the quote change when the policy is issued?
• Are they paid to recommend certain coverages?
• Do they review policy coverages at every renewal?
• Will the agent help in case of a claim?

Persistence is the key to cheaper rates

When you buy Mesa auto insurance online, never buy less coverage just to save a little money. In too many instances, drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. Your goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

We covered a lot of tips how to shop for Honda Accord insurance online. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may even be surprised to find that the most savings is with some of the lesser-known companies.

Drivers who switch companies do it for any number of reasons including policy cancellation, unfair underwriting practices, not issuing a premium refund or even high rates after DUI convictions. Regardless of your reason, finding a new insurance company can be less work than you think.

Steps to quoting cheaper Honda Accord insurance in Mesa

Truthfully, the best way to quote cheaper car insurance rates in Mesa is to start comparing rates regularly from different companies in Arizona. You can compare rates by following these steps.

1. It will benefit you to learn about how companies set rates and the measures you can control to prevent rate increases. Many factors that cause rate increases like speeding and a negative credit score can be improved by making minor changes to your lifestyle.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or State Farm, while independent agents can quote prices for many different companies.
3. Compare the new rates to your existing coverage and see if you can save money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide written notification to your current company of your decision to cancel the current policy. Submit a completed application and payment to your new agent or company. Once coverage is bound, safely store the certificate of insurance with your registration paperwork.

A good piece of advice is to use the same deductibles and limits on every quote and and to get price estimates from as many companies as feasibly possible. Doing this enables an accurate price comparison and the best price selection.

For more information, feel free to visit the resources below:

• Auto Crash Statistics (Insurance Information Institute)
• Who Has Affordable Mesa Car Insurance for a Ford Escape? (FAQ)
• What Car Insurance is Cheapest for Felons in Mesa? (FAQ)
• Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
• Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)