Cheap Rate Quotes for Honda Accord Insurance in Montgomery

Discount Honda Accord insuranceHow many times have you put off comparing quotes for more competitive car insurance rates in Montgomery, AL? Montgomery buyers have a choice when searching for affordable Honda Accord insurance. They can either spend hours contacting agents to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates so we're going to tell you the quickest way to compare rates for your Honda and find the lowest price.

You should take the time to do price comparisons as often as possible due to the fact that insurance prices fluctuate regularly. Even if you think you had the best deal on Honda Accord insurance in Montgomery two years ago you may be paying too much now. You can find a lot of information about Accord insurance out there, but in a few minutes you can learn some of the best ways to lower your car insurance bill.

Companies offering affordable Honda Accord rate quotes in Montgomery, AL

The car insurance companies shown below offer price comparisons in Montgomery, AL. If multiple providers are shown, it's highly recommended you get rate quotes from several of them to find the cheapest car insurance rates.

Honda Accord Insurance Rates in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $218 $408 $372 $22 $112 $1,132 $94
Accord LX 4-Dr Sedan $252 $430 $286 $16 $86 $1,070 $89
Accord EX 4-Dr Sedan $196 $354 $300 $18 $90 $958 $80
Accord LX-P 4-Dr Sedan $158 $300 $324 $20 $96 $898 $75
Accord LX-P 4-Dr Sedan $222 $416 $346 $20 $104 $1,108 $92
Accord EX-L 4-Dr Sedan $182 $348 $324 $20 $96 $970 $81
Accord EX 2-Dr Coupe $138 $318 $430 $26 $128 $1,040 $87
Accord LX-S 2-Dr Coupe $158 $374 $462 $28 $138 $1,160 $97
Accord EX-L 2-Dr Coupe $156 $336 $430 $26 $128 $1,076 $90
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location information which can increase or decrease premium rates noticeably.

Can higher deductibles save money?

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below show the rate fluctuation when you choose different coverage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Honda Accord insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $252 $430 $286 $16 $86 $1,095 $91
Accord LX 4-Dr Sedan $252 $430 $286 $16 $86 $1,095 $91
Accord EX 4-Dr Sedan $252 $430 $286 $16 $86 $1,095 $91
Accord LX-P 4-Dr Sedan $252 $430 $286 $16 $86 $1,095 $91
Accord LX-P 4-Dr Sedan $252 $430 $286 $16 $86 $1,095 $91
Accord EX-L 4-Dr Sedan $290 $524 $286 $16 $86 $1,227 $102
Accord EX 2-Dr Coupe $290 $618 $382 $22 $114 $1,451 $121
Accord LX-S 2-Dr Coupe $290 $618 $382 $22 $114 $1,451 $121
Accord EX-L 2-Dr Coupe $328 $618 $382 $22 $114 $1,489 $124
Get Your Own Custom Quote Go
Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $140 $228 $286 $16 $86 $756 $63
Accord LX 4-Dr Sedan $140 $228 $286 $16 $86 $756 $63
Accord EX 4-Dr Sedan $140 $228 $286 $16 $86 $756 $63
Accord LX-P 4-Dr Sedan $140 $228 $286 $16 $86 $756 $63
Accord LX-P 4-Dr Sedan $140 $228 $286 $16 $86 $756 $63
Accord EX-L 4-Dr Sedan $160 $276 $286 $16 $86 $824 $69
Accord EX 2-Dr Coupe $160 $326 $382 $22 $114 $1,004 $84
Accord LX-S 2-Dr Coupe $160 $326 $382 $22 $114 $1,004 $84
Accord EX-L 2-Dr Coupe $182 $326 $382 $22 $114 $1,026 $86
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in vehicle garaging location which can lower or raise coverage rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs about $32 more each month or $384 every year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 28 months between claim filings, you would probably save some money by selecting a higher deductible.

Where to set your deductibles

The illustration below shows how choosing a deductible and can change Honda Accord insurance costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

You may qualify for discounts for Honda Accord insurance in Montgomery

Not too many consumers would say insurance is affordable, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but occasionally some discounts must be specially asked for in order for you to get them.

Policy discounts save money, but most discounts do not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn't stay in business. But any discount will definitely lower the amount you have to pay.

To view companies who offer insurance discounts in Alabama, click this link.

What if I want to buy from local Montgomery insurance agencies?

Many drivers would rather sit down and talk to an agent and there is nothing wrong with that. Most agents can help you build your policy and will help you if you have claims. One of the benefits of price shopping on the web is you can get cheaper prices but also keep your business local.

Insurance agency in MontgomeryFor easy comparison, once you complete this quick form, the coverage information gets sent to agents in your area who will return price quotes to get your business. There is no reason to find an agent on your own as quotes are delivered immediately to your email address. If you want to get a rate quote from a particular provider, you would need to search and find their rate quote page and give them your coverage information.

Deciding on an company needs to be determined by more than just a cheap quote. Any agent in Montgomery should be willing to answer these questions.

When finding a reputable insurance agent or broker, you need to know there are two different agency structures and how they operate. Car insurance agents in Montgomery can either be independent agents or exclusive agents depending on their employer. Either type can write car insurance policies, but it is a good idea to know the subtle differences because it can impact the selection process.

Exclusive Insurance Agencies

Exclusive agents can only provide one company's prices and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to shop your coverage around so they really need to provide good service. Exclusive agencies are highly trained on the products they sell which helps overcome the inability to quote other rates. Many people buy insurance from these agents primarily because of loyalty to the company and solid financial strength.

The following are exclusive agencies in Montgomery willing to provide rate quotes.

More Montgomery agents

Independent Agents

Independent agents are normally appointed by many insurers and that allows them to write policies with many different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and you stay with the same agent. When comparing car insurance rates, we recommend you include price quotes from a couple of independent agencies for the best price selection. Most also have access to smaller regional carriers which may provide better rates.

Shown below is a short list of independent agents in Montgomery willing to provide price quotes.

More Montgomery agents

Be skeptical of car insurance ads

Alabama consumers can't get away from ads that promise big savings by companies like State Farm and Allstate. They all seem to seem to make the promise that you can save if you move your policy.

It sounds good, but how can they all sell you cheaper insurance coverage? It's all in the wording.

Companies quote their cheapest rates for the type of customer that will add to their bottom line. For instance, a desirable insured should be between the ages of 30 and 45, has a low-risk occupation, and does not commute to work. A customer who meets those qualifications will qualify for the lowest auto insurance rates in Montgomery and will cut their Honda Accord insurance rates if they switch.

People who do not match these criteria will probably be forced to pay higher rates which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say "drivers who switch" not "everybody who quotes" save money. That's the way insurance companies can confidently make it sound like they have such great auto insurance rates. Each company has different criteria, so you really should compare price quotes frequently. It's not possible to predict which company will be your best fit.

Compare but don't skimp

Cheaper auto insurance in Montgomery is definitely available from both online companies as well as from insurance agents, so you need to quote Montgomery car insurance with both in order to have the best chance of saving money. Some auto insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through independent insurance agents.

While you're price shopping online, do not skimp on coverage in order to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest cost, not the least amount of coverage.

Drivers leave their current company for any number of reasons including poor customer service, policy non-renewal, delays in paying claims and even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

Much more information about auto insurance in Alabama can be read at these links: