Car Insurance Quotes for a Honda Accord in Arlington

  1. Home
  2. >
  3. Arlington Auto Insurance
  4. >
  5. Honda Accord

Sad but true, a large majority of consumers have bought car insurance from the same company for four years or more, and about 40% of consumers have never quoted rates to find cheap coverage. Drivers in Arlington could cut their rates by about 70% a year just by getting comparison quotes, but most undervalue how much money they would save if they changed companies.

Insurance rates Honda Accord in ArlingtonReally, the only way to quote cheaper Honda Accord insurance is to start doing a yearly price comparison from providers who sell insurance in Arlington. You can compare prices by completing these steps.

  1. Take a few minutes and learn about how car insurance works and the modifications you can make to keep rates in check. Many rating criteria that result in higher prices like traffic violations, accidents, and a negative credit rating can be controlled by making lifestyle changes or driving safer.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agencies can provide prices for many different companies.
  3. Compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you find a better price and make a switch, ensure coverage does not lapse between policies.

The most important part of shopping around is to make sure you enter the same deductibles and limits on each quote and and to get rate quotes from as many different insurance providers as possible. This enables an accurate price comparison and a thorough price selection.

Lower Your Arlington Insurance Rates

Lots of factors are used when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are not quite as obvious such as your credit history or how safe your car is. When buying insurance it's important to understand some of the elements that help calculate the price you pay for insurance. If you understand what influences your rates, this enables you to make decisions that will entitle you to lower premium levels.

Listed below are some of the most common factors insurance companies consider when setting your rate level.

  • Why do you need liability coverage? - The liability section of your policy is the protection when you are responsible for an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Are you male or female? - Over the last 50 years, statistics have shown women tend to be less risk to insure than men. It does not mean men are worse drivers. Both sexes tend to get into auto accidents at about the same rate, but the males tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving.

    The chart below shows the comparison of Honda Accord yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no other discounts are factored in.

  • File insurance claims and pay more - If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Companies in Texas award discounts to drivers that do not abuse their auto insurance. Insurance coverage is intended for major claims that would cause financial hardship.
  • High performance equals high rates - The performance of the car you need to insure makes a significant difference in your auto insurance rates. The lowest performance passenger vehicles usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

    The data below uses these assumptions: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Honda Accord policy rates compared to other vehicles that have a range of performance rating factors.

  • No coverage gaps is important - Not maintaining insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance may result in fines or a revoked license.
  • Honda Accord claim statistics - Car insurance companies use statistical claims data when they file their rates in each state. Vehicles that tend to have increased losses will cost more for specific coverages. The table below demonstrates the collected loss data for Honda Accord vehicles.

    For each policy coverage type, the claim amount for all vehicles as a whole is considered to be 100. Percentage values below 100 suggest losses that are better than average, while percentage numbers above 100 point to more frequent losses or an increased chance of larger losses than average.

    Honda Accord Insurance Loss Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Honda Accord 91 85 90 122 117 94
    Honda Accord Hybrid 96 80 98 89 76 84
    Honda Accord Crosstour 4dr 2WD 85 97 83 122 113 94
    Honda Accord Crosstour 4dr 4WD 99 102 94 120 93
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Honda Accord insurance statistics and information

The premium table displayed next covers a range of insurance coverage prices for Honda Accord models. Learning a little about how premiums are established is important for making smart choices when choosing a car insurance company.

Honda Accord Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $246 $476 $340 $20 $102 $1,184 $99
Accord LX 4-Dr Sedan $246 $476 $340 $20 $102 $1,184 $99
Accord EX 4-Dr Sedan $246 $476 $340 $20 $102 $1,184 $99
Accord LX-P 4-Dr Sedan $246 $476 $340 $20 $102 $1,184 $99
Accord LX-P 4-Dr Sedan $246 $476 $340 $20 $102 $1,184 $99
Accord EX-L 4-Dr Sedan $282 $580 $340 $20 $102 $1,324 $110
Accord EX 2-Dr Coupe $282 $684 $452 $26 $136 $1,580 $132
Accord LX-S 2-Dr Coupe $282 $684 $452 $26 $136 $1,580 $132
Accord EX-L 2-Dr Coupe $318 $684 $452 $26 $136 $1,616 $135
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in your specific Arlington location which can raise or lower premiums substantially.

The diagram below demonstrates how choosing different deductibles and can affect Honda Accord insurance rates for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Drive safe and save

The illustration below illustrates how violations and accident claims can drive up Honda Accord insurance premiums for each different age category. The premium estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Car insurance discounts help lower rates for Honda Accord insurance in Arlington

Auto insurance companies don't always advertise every policy discount very well, so the list below details both well-publicized and also the more inconspicuous credits available to you.Car insurance discounts

  • Accident Forgiveness - This isn't a discount exactly, but companies like State Farm and Allstate will turn a blind eye to one accident without the usual rate increase if you have no claims prior to the accident.
  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Own a Home - Owning a house in Arlington can get you a discount because owning a home means you have a higher level of financial diligence.
  • Drive Less and Save - Fewer annual miles on your Honda may enable drivers to earn discounted premium rates on garaged vehicles.
  • Military Rewards - Being deployed in the military can result in better car insurance rates.
  • Defensive Driver Discount - Taking time to complete a course teaching driver safety skills is a good idea and can lower rates and also improve your driving technique.

It's important to understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies don't profit that way. But all discounts will reduce the amount you have to pay.

The information below shows the difference between Honda Accord annual premium costs with and without discounts applied to the policy premium. The information is based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-car, marriage, and multi-policy discounts applied.

Larger car insurance companies and some of the discounts include:

  • GEICO offers discounts for air bags, anti-lock brakes, good student, daytime running lights, and emergency military deployment.
  • Auto-Owners Insurance policyholders can earn discounts including multi-policy, safe driver, mature driver, paperless, paid in full, safe vehicle, and air bags.
  • American Family discounts include early bird, TimeAway discount, defensive driver, good student, and good driver.
  • Esurance has discounts for anti-lock brakes, anti-theft, claim free, multi-car, homeowner, and defensive driver.
  • Progressive offers discounts including multi-vehicle, good student, continuous coverage, online quote discount, and homeowner.
  • State Farm may offer discounts for anti-theft, driver's education, student away at school, multiple autos, and accident-free.
  • AAA may have discounts that include education and occupation, good driver, good student, multi-policy, and anti-theft.

Before buying, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in Arlington.

Shop smart and save

We've covered quite a bit of information on how to shop for Honda Accord insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the most savings is with an unexpected company.

When trying to cut insurance costs, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Consumers switch companies for a number of reasons such as delays in paying claims, high rates after DUI convictions, not issuing a premium refund and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

More information is available on the following sites: