Are you sick of overpaying and want more affordable Honda Accord insurance in Mobile? Searching for better insurance prices for your Honda Accord in Alabama can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to compare insurance rates so we're going to tell you the best way to get price quotes for your Honda and find the best price possible either online or from Mobile insurance agents.
Consumers need to get comparison quotes before your next renewal due to the fact that insurance rates change quite often. Despite the fact that you may have had the lowest rate on Honda Accord insurance in Mobile two years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance because you're about to learn the right way to save money, get proper deductibles and limits, all at the lowest rate.
Choosing the most cost-effective auto insurance policy in Mobile is actually not that difficult if you follow our advice. If you have insurance now or want to find a cheaper company, you can learn to shop for the lowest rates while maximizing coverage. Drivers just need to learn the quickest method to shop their coverage around instantly.
Insurance policy discounts for Honda Accord insurance in Mobile
Some insurance providers do not list the complete list of policy discounts very well, so here is a list some of the more common and the harder-to-find ways to save on insurance.
- Discounts for Government Workers - Active or retired federal employment could qualify for a slight premium decrease with some insurance companies.
- Online Discount - A handful of insurance companies may give you up to $50 for completing your application on the internet.
- Discounts for Seat Belt Usage - Forcing all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
- Senior Discount - If you qualify as a senior citizen, you may receive better insurance rates.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll and complete driver's education if offered at their school.
- Drive Less and Save - Fewer annual miles on your Honda can earn substantially lower rates.
- College Student - Older children who are enrolled in a college that is more than 100 miles from Mobile and leave their car at home could qualify for this discount.
- Discounts for Multiple Vehicles - Purchasing coverage when you have several vehicles with one company may reduce the rate for each vehicle.
- Multi-line Discount - Some insurance carriers give a lower insurance rate if you buy life insurance from them.
- Military Deployment Discount - Being deployed in the military could trigger a small discount.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. But all discounts will reduce your overall bill.
The best insurance companies and a selection of discounts are:
- GEICO offers discounts including five-year accident-free, emergency military deployment, daytime running lights, federal employee, anti-theft, air bags, and defensive driver.
- USAA includes discounts for driver training, loyalty savings, vehicle storage, multi-policy, defensive driver, new vehicle, and annual mileage.
- Progressive may offer discounts for online signing, homeowner, good student, online quote discount, and multi-policy.
- American Family has savings for Steer into Savings, good driver, multi-vehicle, accident-free, defensive driver, mySafetyValet, and TimeAway discount.
- Esurance offers premium reductions for multi-policy, defensive driver, paid-in-full, renters, homeowner, claim free, and Switch & Save.
- Farmers Insurance may include discounts for electronic funds transfer, distant student, good student, switch companies, teen driver, and multi-car.
- State Farm offers discounts for passive restraint, anti-theft, Drive Safe & Save, multiple policy, and multiple autos.
If you need the cheapest Honda Accord rate quotes, ask each company or agent to apply every possible discount. Discounts might not be offered in your state. If you would like to view providers offering insurance discounts in Alabama, follow this link.
The fastest way that we advise to compare policy rates for Honda Accord insurance in Mobile is to take advantage of the fact most of the larger companies provide online access to quote your coverage. The one thing you need to do is provide the companies a bit of rating information like if your license is active, whether the vehicles are used for commuting, the make and model of your vehicles, and any included safety features. The data is instantly sent to insurance carriers in your area and they return quotes quickly.
If you wish to get multiple quotes for your car now, click here and enter the information requested.
The following companies are our best choices to provide comparison quotes in Mobile, AL. If multiple companies are listed, we recommend you get price quotes from several of them to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$120||$222||$324||$20||$96||$782||$65|
|Accord LX 4-Dr Sedan||$204||$358||$386||$22||$116||$1,086||$91|
|Accord EX 4-Dr Sedan||$180||$334||$346||$20||$104||$984||$82|
|Accord LX-P 4-Dr Sedan||$128||$208||$296||$18||$88||$738||$62|
|Accord LX-P 4-Dr Sedan||$218||$422||$324||$20||$96||$1,080||$90|
|Accord EX-L 4-Dr Sedan||$200||$364||$270||$16||$80||$930||$78|
|Accord EX 2-Dr Coupe||$238||$476||$392||$24||$118||$1,248||$104|
|Accord LX-S 2-Dr Coupe||$224||$508||$430||$26||$128||$1,316||$110|
|Accord EX-L 2-Dr Coupe||$140||$270||$358||$22||$108||$898||$75|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in Mobile location which can change auto insurance rates considerably.
Responsible drivers pay cheaper Mobile car insurance rates
The chart below shows how speeding tickets and at-fault claims can drive up Honda Accord car insurance rates for each age group. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Reduce Insurance Rates with These Tips
Lots of things are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other factors are not as apparent such as whether you are married and annual miles driven. A large part of saving on insurance is knowing some of the things that aid in calculating the level of your policy premiums. When you understand what determines premiums, this helps enable you to make changes that can earn you lower rates.
Eliminate unneeded extra policy coverages - There are many additional extra coverages that you can get tricked into buying if you aren't careful. Coverage for things like replacement cost coverage, towing coverage, and Farm Bureau memberships may be costing you every month. They may seem good when talking to your agent, but if you have no use for them remove them and pocket the money.
Rates increase with driving citations - Good drivers get better prices as compared to those with violations. Having just one ticket can increase rates by as much as thirty percent. People who have severe tickets such as DUI or reckless driving might be required by their state to file a SR-22 to the state department of motor vehicles in order to continue driving.
What are your physical damage deductibles? - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Honda. Examples of some claims that would be covered could be a windshield shattered by a rock, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles define how much the insured will be required to pay if a covered claim is submitted. The more damage repair cost the insured is willing to pay, the lower your rates will be.
How do annual miles impact rates? - The higher the miles on your Honda in a year's time the higher the price you pay to insure it. The majority of insurers calculate prices based on how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. A policy that improperly rates your Accord may be costing you higher rates. It's a good idea to make sure your insurance declarations sheet properly reflects annual mileage.
Gender is a factor - Statistics have proven that females tend to be a little less risky than males. That doesn't necessarily mean that men are WORSE drivers than women. Both genders are in at-fault accidents at a similar rate, but the men cause more damage. Men also tend to receive more major tickets like DUI and reckless driving.
Car and home together may be cheaper - Most insurance companies give better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
More traffic equals higher premiums - Choosing to live in small towns and rural areas can save you money when it comes to insurance. Drivers in populated areas have more traffic problems and higher rates of accident claims. Less people means fewer accidents.
Single drivers take more risk - Your spouse may earn you lower rates compared to being single. It may mean you are more mature than a single person and it's statistically proven that married drivers tend to file fewer claims.
Honda Accord insurance loss data - Insurance companies use historical loss data when they set coverage costs for each model. Models that the statistics show to have a trend towards higher claims will have increased rates.
The table shown below demonstrates the collected loss data for Honda Accord vehicles. For each type of coverage, the claim probability for all vehicles averaged together is equal to 100. Values that are 100 or less indicate a favorable loss history, while percentage values above 100 indicate frequent claims or larger claims.
Insurance Loss Ratings for Honda Accord Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|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
Insurance is available from local agents
A small number of people just prefer to sit down with an agent and often times that is recommended Most agents can help determine the best coverages and give you someone to call. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent.
By using this simple form, the coverage information gets sent to local insurance agents who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to contact an agency as quotes are delivered to your email. If you need to compare rates from a specific insurance provider, just search and find their rate quote page to submit a rate quote request.
Deciding on an insurance company needs to be determined by more than just the quoted price. A good agent in Mobile will have answers to these questions.
- Are they paid to recommend certain coverages?
- Will they make sure you get an adequate claim settlement?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they offer claims assistance after hours?
- What company holds the largest book of business for them?
- Are they full-time agents?
If you are wanting to find a reliable agent, there are two different types of agents from which to choose. Insurance policy providers can either be exclusive or independent. Either one can properly insure your vehicles, but we need to point out the difference in the companies they write for because it can factor into buying decisions.
Exclusive Insurance Agents
Agents of this type write business for a single company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare rates from other companies so always compare other rates. They are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. A lot of people buy from the same agent for years primarily because of the brand instead of buying on price only.
The following are Mobile exclusive insurance agents that can give you comparison quotes.
- Joe Leniz - State Farm Insurance Agent
7695 Cottage Hill Rd A - Mobile, AL 36695 - (251) 633-0410 - View Map
- Adrianne Fisher - State Farm Insurance Agent
6347 Airport Blvd c - Mobile, AL 36608 - (251) 343-1977 - View Map
- Doug Graham - State Farm Insurance Agent
6422 Airport Blvd - Mobile, AL 36608 - (251) 343-3600 - View Map
Independent Agents (or Brokers)
Independent insurance agents do not sell for just one brand and that gives them the ability to insure through lots of different companies and find the cheapest insurance rates. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency. If you need lower rates, you will want to get quotes from at a minimum one independent agency to have the most options to choose from. A lot of them also have access to smaller regional carriers that may provide cheaper insurance rates.
Listed below is a short list of independent insurance agencies in Mobile that are able to give rate quotes.
- Alfa Insurance Co
4180 Oak Ridge Ave # B - Mobile, AL 36619 - (251) 661-3432 - View Map
- Southern Insurance Providers
3925 Michael Blvd # D - Mobile, AL 36609 - (251) 340-8044 - View Map
- Nationwide Insurance: Bailey Agency Inc
3700 K Government Blvd - Mobile, AL 36693 - (251) 660-7878 - View Map
Why you need insurance for your Honda vehicle
Even though Mobile Accord insurance rates can get expensive, maintaining insurance may not be optional for several reasons.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection if you drive a vehicle. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your vehicle, most banks will force you to have full coverage to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the lender may insure your Honda at an extremely high rate and require you to fork over for it.
Third, insurance protects your Honda and your assets. It also can pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $865 each year so you should quote your policy with other companies at every renewal to ensure rates are inline.
The best rates come from being thorough
Insureds switch companies for a number of reasons such as denial of a claim, questionable increases in premium, delays in responding to claim requests or policy cancellation. Regardless of your reason, switching companies is not as difficult as it may seem.
You just read a lot of tips how to save on Honda Accord insurance in Mobile. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive Mobile auto insurance quotes. You may even discover the biggest savings come from a small mutual company.
When getting Mobile auto insurance quotes online, it's not a good idea to reduce needed coverages to save money. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that it was a big mistake. The proper strategy is to find the BEST coverage at the best possible price while still protecting your assets.