Discount Honda Accord insuranceTrying to find better insurance prices for your Honda Accord in California could be difficult, but you can learn the following methods to save time. There are both good and bad ways to buy car insurance and you need to know the quickest way to get price quotes on a Honda and find the best price possible either online or from Los Angeles insurance agents.

If you're already insured or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Finding and comparing the most affordable coverage in Los Angeles can be fairly easy. Comparison shoppers just need to know the fastest way to compare insurance rates instantly.

Low-cost companies for Honda Accord insurance in California

The companies shown below are our best choices to provide quotes in California. To find cheaper car insurance in California, we recommend you compare several of them to find the most competitive car insurance rates.

Honda Accord Insurance Price Estimates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $378 $564 $492 $30 $148 $1,612 $134
Accord LX 4-Dr Sedan $270 $434 $386 $22 $116 $1,228 $102
Accord EX 4-Dr Sedan $158 $292 $424 $26 $128 $1,028 $86
Accord LX-P 4-Dr Sedan $256 $464 $394 $24 $118 $1,256 $105
Accord LX-P 4-Dr Sedan $234 $374 $384 $22 $114 $1,128 $94
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $334 $780 $604 $36 $180 $1,934 $161
Accord LX-S 2-Dr Coupe $234 $524 $674 $40 $202 $1,674 $140
Accord EX-L 2-Dr Coupe $270 $536 $524 $32 $156 $1,518 $127
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific garaging location which can change coverage prices considerably.

Where to set your deductibles

A question often asked by Los Angeles drivers is how high should your deductibles be. The data tables below may help to conceptualize the differences in premium rates of buying low and high policy deductibles. The first rate quote example uses a $250 deductible and the second set of prices uses a $500 deductible.

Honda Accord insurance premium estimates 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 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 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 estimates 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 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 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 claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in zip code location which can revise insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you roughly $16 more each month or $192 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 16 months between claim filings, you would come out ahead if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $106
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 thing to remember is that raising deductibles results in more money out-of-pocket when you have to file a claim. That will require enough money put aside in the event you have to pay more for the deductible.

Impact of violations and accidents on rates

The example below highlights how speeding tickets and accidents impact Honda Accord insurance prices for each age group. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

You may qualify for discounts for Honda Accord insurance in Los Angeles

Auto insurance can be pricey, but you may be missing some discounts that many people don't even know exist. Some of these discounts will be visible when you complete an application, but a few need to be manually applied before being credited.Discount auto insurance

Just know that some credits don't apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, it just doesn't work that way.

Some of the larger companies that may have most of the discounts above are:

Double check with each company or agent to give you their best rates. Discounts might not be available to policyholders in your state. To see auto insurance companies who offer online Honda Accord insurance quotes in Los Angeles, follow this link.

What Determines Honda Accord Insurance Premiums?

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with lower insurance prices. Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are more obscure like your continuous coverage or how safe your car is.

Liability is important - The liability coverage on your policy is the coverage that protects you in the event that you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides legal defense coverage up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Stay claim-free and save money - If you're an insured who likes to file claims you should expect higher premiums or even policy non-renewal. Car insurance companies in California give lower rates to people who do not rely on their insurance for small claims. Your car insurance is designed for the bigger claims that can't be paid out-of-pocket.

Type of car, truck or SUV determines base prices - The make and model of the vehicle you are trying to find cheaper insurance for makes a huge difference in how high your rates are. The lowest base rates will normally be found when insuring economy passenger models, but the final cost of insurance is determined by many other factors. Because the Honda Accord falls in the passenger car class, rates will be similar in price or lower as compared to the average rate in Los Angeles.

Being married is a bonus - Your spouse can get you a discount on your policy. It may mean you are more mature and responsible it has been statistically shown that being married results in fewer claims.

Higher rates for high stress occupations - Careers such as lawyers, air traffic controllers, and dentists usually pay higher average rates because of job stress and incredibly demanding work hours. On the other hand, careers such as scientists, students and homemakers receive lower rates.

Insurance losses for a Honda Accord - Insurers take into consideration historical loss data for every vehicle when setting rates for each model. Models that historically have high amounts or severity of claims will cost more for coverage. The table shown below demonstrates the loss history for Honda Accord vehicles.

For each type of coverage, the loss probablilty for all vehicles as a whole equals 100. Percentage values below 100 are indicative of better than average losses, while percentage numbers above 100 indicate more frequent losses or statistically larger claims.

Insurance Loss Ratings for Honda Accord Vehicles

Specific Honda 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

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Your car insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there really isn't a "perfect" insurance plan. Your needs are unique to you.Higher deductibles save money

For instance, these questions can help discover if your situation might need professional guidance.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.

Buying from insurance agents

A lot of people prefer to have an agent's advice and doing so can bring peace of mind Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of getting free rate quotes online is you may find lower premium rates and still have a local agent.

Insurance agency in Los AngelesOnce you complete this simple form, your insurance data is transmitted to companies in Los Angeles that provide free Los Angeles auto insurance quotes and help you find cheaper coverage. There is no need to contact any insurance agencies since rate quotes are delivered to your email. If you wish to quote rates from a specific insurance company, you can always visit that company's website and fill out the quote form the provide.

Finding the right insurer shouldn't rely on just a low price. The answers to these questions are important, too.

Below is a short list of auto insurance companies in Los Angeles that are able to give price quote information for Honda Accord insurance in Los Angeles.

View more Los Angeles agents

Buyer beware of insurance advertising tricks

Consumers in California get pounded daily by advertisements for cheaper insurance by State Farm, Allstate and GEICO. All the ads state the claim about savings just by moving your coverage to them.

How do they all save you money on Honda Accord insurance in Los Angeles? It's all in the numbers.

All companies quote their best rates for the type of driver they prefer to insure. A good example of this type of driver may be over age 30, carries high limits, and does not commute to work. Anyone who matches those parameters will probably get the lowest car insurance rates and will cut their Honda Accord insurance rates if they switch.

Insureds who are not a match for these stringent criteria must pay more expensive rates and ends up with the prospect going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently make claims that they all have the best premium rates. Because of the profiling, it's extremely important to get Los Angeles auto insurance quotes as often as possible. It is impossible to predict which insurance company will fit your personal profile best.

Cheaper car insurance premiums are out there

Cheap Honda Accord insurance in Los Angeles can be found both online and from local agencies, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not have price quotes online and these small, regional companies work with local independent agents.

When searching for low cost Los Angeles auto insurance quotes, it's not a good idea to buy less coverage just to save a little money. There have been many cases where an insured dropped collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we covered many tips how you can get a better price on Honda Accord insurance in Los Angeles. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest prices are with some of the lesser-known companies.

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