Buying the best cheap coverage for a Honda Accord can be really easy, but it depends on a complex formula that considers things such as driver age, your geographic location, and your motor vehicle report. Drivers in California pay approximately $1,471 per year for Accord insurance, but that cost is an estimate using a 50-year-old single male driver with full coverage and $100 deductibles.
But there is a good chance that you’re not a 50-year-old male, possibly married instead of single, or maybe your Accord doesn’t need full coverage. Everone’s needs are different, and this illustrates why the best way to find cheap insurance rates for your Honda is to compare as many rates as possible. Quotes are free and easy and you will receive price comparisons from top-rated car insurance companies that insure vehicles in California.
The specific trim level will be a contributing factor to the cost of coverage, so the cost to insure a Accord LX 4-Dr Sedan will be $526 less expensive the insurance cost for the fancier Accord EX-L 2-Dr Coupe model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$284||$582||$424||$26||$128||$1,444||$120|
|Accord EX 4-Dr Sedan||$284||$582||$424||$26||$128||$1,444||$120|
|Accord LX-P 4-Dr Sedan||$284||$582||$424||$26||$128||$1,444||$120|
|Accord EX-L 4-Dr Sedan||$326||$708||$424||$26||$128||$1,612||$134|
|Accord EX 2-Dr Coupe||$326||$834||$564||$34||$168||$1,926||$161|
|Accord LX-S 2-Dr Coupe||$326||$834||$564||$34||$168||$1,926||$161|
|Accord EX-L 2-Dr Coupe||$370||$834||$564||$34||$168||$1,970||$164|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in your specific Stockton location which can revise coverage prices greatly.
Insurance company ratings
Picking a highly-rated auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Stockton. The information in the lists below could help you pick which companies to look at when comparing rate quotes. The rankings below only include the largest companies in America, so companies that may only write in California are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for a Honda Accord. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $400 a year by changing from a $100 deductible to a $500 deductible, or save $604 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save up to $888 or more by using a higher deductible. When raising deductibles, it will be important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
Get discounts on Stockton car insurance
Car insurance companies that offer quotes for a Honda Accord may additionally offer price discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few popular companies and some of the discounts are included below.
- State Farm may have discounts that include Steer Clear safe driver discount, accident-free, multiple autos, good driver, and student away at school.
- Progressive offers premium reductions for online quote discount, homeowner, continuous coverage, multi-policy, online signing, multi-vehicle, and good student.
- Progressive policyholders can earn discounts including homeowner, online signing, online quote discount, continuous coverage, and multi-policy.
- MetLife has savings for multi-policy, claim-free, accident-free, good driver, good student, and defensive driver.
- Farm Bureau includes discounts for driver training, 55 and retired, renewal discount, safe driver, youthful driver, and multi-vehicle.
- GEICO offers discounts for seat belt use, driver training, federal employee, air bags, and anti-theft.
- SAFECO has discounts for multi-car, bundle discounts, anti-theft, safe driver, and teen safety rewards.
The chart below visualizes the comparison of auto insurance costs with and without discounts. The premium estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, multiple vehicle, vehicle safety, homeowner, safe-driver, and defensive driving course discounts applied. When taking advantage of discounts, theamount saved on insurance for a Honda Accord is 28% or $670.
The professional agents shown below are a good start to help you decide which is the best policy, since many people would rather have the advice of a professional agent when trying to find lower insurance rates for an Accord. It can be time-consuming to find the best coverage yourself, so a licensed agent can add satisfaction knowing your coverage gives you sufficient protection if you have a claim.
To locate an agency in your neighborhood, click the button below the list.
Farmers Insurance: Evelyn Morales
1348 N Center St – Stockton, CA 95202 – (209) 465-7446
Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154
Farmers Insurance – Celine Vien
7743 West Ln, Ste C4 – Stockton, CA 95210 – (209) 476-8222
Tips for finding more affordable auto insurance for a Honda Accord
The list below summarizes some of the better penny-pinching ideas that can help you buy more affordable coverage.
- Accidents can significantly increase rates
- Safer vehicles cost less to insure
- Clean up your credit rating
- Avoid getting citations and tickets
- Increase your deductibles
- Keep rates low by comparing prices once a year
The last tip in the list is particularly valuable, as we discussed in this article. Insurance rates in Stockton fluctuate considerably, so don’t be tentative to buy a policy from a new company if a lower price can be found. Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. Spend a few minutes and shop around and find cheaper insurance for a Honda Accord.