Trying to come up with a payment for pricey insurance can deplete your checking account and force you to cut corners elsewhere. Shopping your coverage around is a smart way to ensure you are getting the best deal.
Everyone knows that car insurance companies don’t want you to compare rates. People who get price comparisons will presumably move their business because they stand a good chance of finding coverage at a more affordable price. A survey found that consumers who compared rates regularly saved about $860 a year as compared to drivers who never shopped around.
If finding the best price on auto insurance in Fresno is your ultimate target, then having an understanding of how to shop for insurance can help make the process easier and more efficient.
Steps to finding discount Honda Accord insurance in Fresno
The best way we recommend to get cheaper auto insurance rates in Fresno is to compare prices annually from providers who provide auto insurance in California. Rate comparisons can be done by following these steps.
First, gain an understanding of what is in your policy and the modifications you can make to keep rates down. Many rating factors that result in higher prices such as getting speeding tickets and poor credit history can be amended by being financially responsible and driving safely.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Third, compare the new rate quotes to your current policy to see if a cheaper rate is available. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide proper notification to your current company of your intent to cancel your current car insurance policy. Submit a completed policy application and payment to the newly selected company. Make sure you safely store the certificate verifying coverage in an easily accessible location in your vehicle.
The key aspect of shopping around is to use identical coverage information on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this ensures the most accurate price comparison and a complete selection of prices.
Drivers have multiple auto insurance companies to pick from, and although it’s nice to have a choice, more options can take longer to compare rates and find the lowest cost insurance.
Finding the cheapest insurance coverage in Fresno is much easier if you have a good place to start. In a nutshell, every driver who is overpaying for insurance stands a good chance to find lower prices. Although California vehicle owners must understand how insurance companies calculate your insurance rates because it varies considerably.
The most recommended method to compare car insurance rates for Honda Accord insurance in Fresno utilizes the fact car insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide details including whether your vehicle is owned or leased, what you do for a living, how you use your vehicles, and how much education you have. Your rating data gets sent immediately to all major companies and they respond with quotes immediately.
To get price quotes for your Honda Accord now, click here and enter the information requested.
The following companies offer free quotes in Fresno, CA. If you want cheap auto insurance in Fresno, CA, we suggest you visit two to three different companies in order to find the lowest rates.
Car insurance does more than just protect your car
Despite the high cost, car insurance may be mandatory for several reasons.
- Most states have minimum liability requirements which means the state requires specific limits of liability insurance coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Honda Accord has a lienholder, it’s guaranteed your bank will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Honda at a more expensive rate and require you to fork over the higher premium.
- Insurance protects not only your car but also your financial assets. Insurance will also pay for medical expenses that are the result of an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $810 a year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.
Insurance coverage analysis
The rate information shown next highlights a range of insurance policy prices for Honda Accord models. Being aware of how rates are calculated can help you make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| Accord LX 4-Dr Sedan | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| Accord EX 4-Dr Sedan | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| Accord LX-P 4-Dr Sedan | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| Accord LX-P 4-Dr Sedan | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| Accord EX-L 4-Dr Sedan | $182 | $372 | $424 | $26 | $128 | $1,132 | $94 |
| Accord EX 2-Dr Coupe | $182 | $440 | $564 | $34 | $168 | $1,388 | $116 |
| Accord LX-S 2-Dr Coupe | $182 | $440 | $564 | $34 | $168 | $1,388 | $116 |
| Accord EX-L 2-Dr Coupe | $204 | $440 | $564 | $34 | $168 | $1,410 | $118 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify coverage prices noticeably.
The example below illustrates how choosing a deductible and can impact Honda Accord insurance premiums for each different age group. The premiums assume a married female driver, comp and collision included, and no other discounts are factored in.
Careless drivers pay higher rates
The diagram below shows how violations and at-fault fender-benders influence Honda Accord auto insurance costs for different age categories. The price estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
Discounts can help lower premiums on Honda Accord insurance in Fresno
Insurance can cost an arm and a leg, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be specifically requested prior to receiving the credit.
- Government Employees – Active or former government employment may reduce rates when you quote Fresno car insurance but check with your company.
- Resident Student – Kids living away from Fresno attending college without a vehicle on campus can receive lower rates.
- Paperless Signup – A handful of insurance companies provide a small discount for buying a policy and signing up on their website.
- More Vehicles More Savings – Insuring more than one vehicle on the same insurance policy can reduce rates for all insured vehicles.
- Senior Citizens – Older drivers could receive reduced rates.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course if it’s offered in school.
- Discount for Low Mileage – Keeping the miles down on your Honda could be rewarded with cheaper rates.
- Defensive Driver – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
Don’t be surprised that many deductions do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works.
The diagram below shows the comparison of Honda Accord insurance prices with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-policy, homeowner, and multi-car discounts applied.
Companies and a summarized list of policyholder discounts can be read below.
- GEICO offers premium reductions for membership and employees, anti-theft, driver training, air bags, anti-lock brakes, federal employee, and seat belt use.
- Travelers has savings for save driver, new car, student away at school, multi-car, and continuous insurance.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, driver training, good student, multi-policy, and renewal discount.
- Liberty Mutual includes discounts for good student, multi-policy, preferred payment discount, new vehicle discount, exclusive group savings, and hybrid vehicle.
- American Family offers discounts for Steer into Savings, good student, bundled insurance, early bird, and good driver.
- Progressive has discounts for homeowner, continuous coverage, multi-vehicle, good student, and online quote discount.
When getting a coverage quote, ask each insurance company the best way to save money. Some credits may not be offered in Fresno. To locate insurance companies that can offer you the previously mentioned discounts in California, click here to view.