Best Quotes for Honda Accord Insurance in Stockton

Insurance rates Honda Accord in StocktonThe best way we recommend to get the cheapest Honda Accord insurance is to compare quotes once a year from insurance carriers who sell auto insurance in Stockton. Rate comparisons can be done by following these guidelines.

  1. Take a few minutes and learn about car insurance and the measures you can control to keep rates low. Many rating criteria that result in higher rates like your driving record and a substandard credit history can be rectified by making minor driving habit or lifestyle changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide price quotes from multiple insurance companies.
  3. Compare the price quotes to the price on your current policy to see if a cheaper rate is available. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One bit of advice is that you’ll want to compare identical coverages on each price quote and and to get price estimates from as many carriers as you can. Doing this enables an accurate price comparison and the best rate selection.

It’s hard to believe, but a large majority of auto insurance policyholders kept buying from the same company for over three years, and nearly 40% of drivers have never taken the time to shop around. Many drivers in California could save roughly $469 every year just by comparing rates, but they don’t want to take the time to shop around.

Honda Accord insurance discounts in Stockton

Some insurance providers don’t always publicize every discount they offer very well, so the list below details some of the best known and also the more inconspicuous discounts that you may qualify for.Insurance discounts

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies aren’t that generous.

The chart below illustrates the comparison of Honda Accord premium costs with and without discounts applied to the premium. The data is based on a female driver, no claims or violations, California 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 safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

The best insurance companies and some of the discounts are included below.

When getting free Stockton car insurance quotes, it’s a good idea to each insurance company which discounts they offer. Discounts might not apply everywhere. To locate companies offering insurance discounts in California, click here to view.

How to shop Honda Accord insurance online

Cutting your Stockton auto insurance rates can be quick and easy. Just spend a few minutes to compare rates to see which company has low cost Stockton car insurance quotes.

It’s so easy to compare quotes online that it replaces the need to physically go to and from local Stockton insurance agencies. The internet has made agencies unnecessary unless you require the personal advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to find lower rates online but have a local agent actually write the policy.

The following companies are ready to provide free rate quotes in California. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Honda Accord detailed coverage information

The coverage table displayed below showcases estimates of insurance policy prices for Honda Accord models. Having a good understanding how insurance quotes are formulated can help guide drivers when making smart choices when choosing a car insurance company.

Honda Accord Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $208 $392 $424 $26 $128 $1,178 $98
Accord EX 4-Dr Sedan $208 $392 $424 $26 $128 $1,178 $98
Accord LX-P 4-Dr Sedan $208 $392 $424 $26 $128 $1,178 $98
Accord EX-L 4-Dr Sedan $238 $478 $424 $26 $128 $1,294 $108
Accord EX 2-Dr Coupe $238 $564 $564 $34 $168 $1,568 $131
Accord LX-S 2-Dr Coupe $238 $564 $564 $34 $168 $1,568 $131
Accord EX-L 2-Dr Coupe $270 $564 $564 $34 $168 $1,600 $133
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific location which can change auto insurance rates substantially.

Policy deductible comparison

One frequently asked question is at what level do you set your deductibles. The rates below may aid in understanding the cost difference when you select higher and lower deductibles. The first rate comparisons uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific Stockton garaging location which can alter insurance rates significantly.

Based on the figures above, using a $250 deductible will cost you roughly $16 more each month or $192 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 16 months between claim filings, you would probably save some money going with the higher deductible. The table below shows an example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $126
Average monthly premium for $500 deductibles (subtract): – $110
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. That will necessitate some non-essential savings in the event you need to pay the higher deductible.

The information below illustrates how choosing a deductible and can affect Honda Accord annual premium costs for each different age category. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Males versus Females

The example below shows the difference between Honda Accord car insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

When in doubt talk to an agent

Always remember that when buying coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is unique and your auto insurance should unique, too.Auto insurance savings
For example, these questions might point out whether you would benefit from professional advice.

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Local Stockton auto insurance agents

A small number of people still prefer to sit down with an agent and we recommend doing that Licensed agents can answer important questions and help file insurance claims. An additional benefit of comparing rates online is you can get the lowest rates and also buy local.

Stockton insurance agentsUpon completion of this form (opens in new window), the coverage information is transmitted to participating agents in Stockton who will give you quotes for your coverage. There is no need to find an agent on your own since rate quotes are delivered to you instantly. If you need to compare prices from a specific auto insurance provider, you can always go to their quote page and submit a quote form there.

Finding the right provider shouldn’t rely on just the price. These are some questions you should get answers to.

Below is a list of car insurance companies in Stockton that may be willing to give comparison quotes for Honda Accord insurance in Stockton.

1150 W Robinhood Dr Suite 2bStockton, CA 95207(209) 478-3775View Map

3415 Brookside RdStockton, CA 95219(209) 478-1400View Map

4110 N El Dorado StStockton, CA 95204(209) 518-9465View Map

4410 N Pershing Ave, Ste C7Stockton, CA 95207(209) 477-5511View Map

View more Stockton agents

Best auto insurance in California

Insuring your vehicle with a highly-rated car insurance provider can be rather challenging considering how many companies there are in Stockton. The company ratings displayed below can help you analyze which coverage providers to look at comparing rates from.

Top Auto Insurance Companies in Stockton
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

More effort can pay off

In this article, we covered many tips how you can get a better price on Honda Accord insurance in Stockton. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

When searching for cheaper Stockton car insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Budget-friendly insurance in Stockton is possible both online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some companies may not provide price quotes online and these small insurance companies only sell coverage through local independent agencies.

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