The 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.
- 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.
- 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.
- 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.
- Good Grades Discount – A discount for being a good student may save you up to 25%. You can use this discount normally up to age 25.
- Multi-policy Discount – When you combine your auto and home insurance and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
- Own a Home – Simply owning a home can save you money because of the fact that having a home is proof of financial responsibility.
- Employee of Federal Government – Active or former government employment could provide a small rate reduction depending on your company.
- Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
- Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
- Student Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
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.
- Progressive may offer discounts for homeowner, online signing, good student, multi-vehicle, online quote discount, and multi-policy.
- SAFECO may include discounts for anti-lock brakes, accident prevention training, anti-theft, drive less, bundle discounts, and teen safety rewards.
- American Family offers premium reductions for mySafetyValet, defensive driver, Steer into Savings, early bird, good student, good driver, and bundled insurance.
- MetLife has savings for claim-free, good student, good driver, multi-policy, defensive driver, and accident-free.
- GEICO policyholders can earn discounts including anti-theft, military active duty, multi-vehicle, anti-lock brakes, defensive driver, air bags, and seat belt use.
- The Hartford offers discounts including good student, defensive driver, driver training, bundle, anti-theft, air bag, and vehicle fuel type.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
For example, these questions might point out whether you would benefit from professional advice.
- Is there coverage for my trailer?
- Do I have coverage if my license is suspended?
- Why are teen drivers so expensive to add on to my policy?
- Should I buy full coverage?
- Is my nanny covered when transporting my kids?
- Am I covered while delivering pizza?
- Should I bundle my homeowners policy with my auto?
- Where can I find high-risk insurance?
- Do I have coverage when making deliveries for my home business?
- Are combined or split liability limits better?
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.
Upon 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.
- Does the company allow you to choose your own collision repair facility?
- Is the agency active in community causes in Stockton?
- How are they compensated?
- Is insurance their full-time profession?
- Are there any extra charges for paying monthly?
- How long has the business existed?
- Which companies do they recommend if they are an independent agency?
Below is a list of car insurance companies in Stockton that may be willing to give comparison quotes for Honda Accord insurance in Stockton.
Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775 – View Map
Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400 – View Map
Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465 – View Map
Wandy Siam – State Farm Insurance Agent
4410 N Pershing Ave, Ste C7 – Stockton, CA 95207 – (209) 477-5511 – View Map
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.
| 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: Insure.com 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.
To read more, take a look at the following helpful articles:
- Red Light Cameras (State Farm)
- What Auto Insurance is Cheapest for Drivers with Bad Credit in Stockton? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Male in Stockton? (FAQ)
- How to Avoid Common Accidents (State Farm)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Teen Driver Licensing Information (iihs.org)