It takes a few minutes, but the best way to get budget Honda Accord insurance is to compare quotes annually from different companies who provide auto insurance in Irvine. You can compare rates by following these steps.
Step 1: It will benefit you to learn about the different coverages in a policy and the measures you can take to prevent expensive coverage. Many factors that drive up the price such as tickets, at-fault accidents, and poor credit rating can be improved by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources. View prices
Step 3: Compare the quotes to your existing rates and determine if cheaper Accord coverage is available. If you can save money, ensure coverage does not lapse between policies.
A crucial key to this process is to make sure you enter identical deductibles and limits on every quote request and and to look at every company you can. Doing this guarantees an accurate price comparison and a better comparison of the market.
We don’t have to point out that fact that car insurance companies don’t want their customers to go rate shopping. Consumers who shop around for better prices are very likely to buy a new policy because there is a high probability of finding more affordable rates. A recent survey found that drivers who shopped around annually saved an average of $865 a year as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on car insurance is your goal, knowing how to get rate quotes and compare coverage rates can help simplify the process.
Finding affordable coverage in Irvine is much easier if you have a good place to start. If you have insurance now or just want a better rate, use these cost-cutting techniques to buy cheaper insurance without reducing coverage. Shoppers just have to learn the most efficient way to compare prices from many different companies.
Cheap Irvine car insurance rates with discounts
Companies that sell car insurance don’t always list the entire discount list very well, so the next list breaks down both the well known and the more hidden credits available to you. If you’re not getting every credit available, you are throwing money away.
- Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- Bundle and Save – When you combine your auto and home insurance with the same insurance company they may give you a discount of as much as 10 to 15 percent.
- Anti-lock Brake System – Cars with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Resident Student – Older children living away from Irvine attending college and do not have a car may be insured at a cheaper rate.
- Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease depending on your car insurance provider.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like GEICO, Allstate and Liberty Mutual will let one accident slide before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
Consumers should know that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, companies don’t profit that way.
The diagram below visualizes the comparison of Honda Accord yearly insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.
A list of car insurance companies and a partial list of their discounts can be found below.
- State Farm may include discounts for Steer Clear safe driver discount, Drive Safe & Save, accident-free, multiple policy, and good driver.
- GEICO has savings for military active duty, membership and employees, air bags, defensive driver, five-year accident-free, and federal employee.
- Liberty Mutual includes discounts for multi-car, new move discount, safety features, multi-policy, exclusive group savings, and hybrid vehicle.
- The Hartford may offer discounts for driver training, bundle, vehicle fuel type, defensive driver, good student, and anti-theft.
- MetLife policyholders can earn discounts including claim-free, good student, defensive driver, good driver, multi-policy, accident-free
- Progressive offers discounts for homeowner, multi-vehicle, online signing, multi-policy, continuous coverage, good student, and online quote discount.
When comparing rates, check with every prospective company how you can save money. Some discounts listed above may not apply in Irvine. To locate companies that offer discounts in California, click here to view.
The providers in the list below are ready to provide quotes in Irvine, CA. If you wish to find cheap car insurance in California, we suggest you visit several of them in order to find the cheapest rates.
Honda Accord insurance coverage information
The rate table shown next showcases a range of coverage prices for Honda Accord models. Learning a little about how car insurance prices are calculated is important for drivers to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $210 | $298 | $492 | $30 | $148 | $1,178 | $98 |
| Accord EX 4-Dr Sedan | $210 | $298 | $492 | $30 | $148 | $1,178 | $98 |
| Accord LX-P 4-Dr Sedan | $210 | $298 | $492 | $30 | $148 | $1,178 | $98 |
| Accord EX-L 4-Dr Sedan | $240 | $362 | $492 | $30 | $148 | $1,272 | $106 |
| Accord EX 2-Dr Coupe | $240 | $426 | $654 | $38 | $196 | $1,554 | $130 |
| Accord LX-S 2-Dr Coupe | $240 | $426 | $654 | $38 | $196 | $1,554 | $130 |
| Accord EX-L 2-Dr Coupe | $272 | $426 | $654 | $38 | $196 | $1,586 | $132 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific location which can affect prices substantially.
An analysis of deductible level
A question often asked by Irvine drivers is how high should the physical damage deductibles be. The following tables determine the rate differences when you buy lower versus higher policy deductibles. The first pricing table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord EX 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord LX-P 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord EX-L 4-Dr Sedan | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Accord EX 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Accord LX-S 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Accord EX-L 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Accord EX 4-Dr Sedan | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Accord LX-P 4-Dr Sedan | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Accord EX-L 4-Dr Sedan | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Accord EX 2-Dr Coupe | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Accord LX-S 2-Dr Coupe | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Accord EX-L 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in Irvine location which can revise premiums substantially.
Based on these figures, using a $100 deductible will cost you roughly $42 more each month or $504 each year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would most likely save money if you decide on a higher deductible.
Cost of full coverage in Irvine
The example below compares Honda Accord insurance costs with full coverage and liability only. The premiums are based on no violations or accidents, $500 deductibles, single status, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There isn’t a written rule to delete full coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Honda Accord settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your deductible. If it’s costing you more than $500 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where eliminating full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
When should I discuss my situation with an agent?
When selecting the right insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Your financial needs are unique.
For example, these questions might point out if your insurance needs may require specific advice.
- Why are teen drivers so expensive to add on to my policy?
- How high should my medical payments coverage be?
- Do I really need UM/UIM coverage?
- What is glass protection for?
- Does my policy cover me when driving someone else’s vehicle?
- At what point should I drop full coverage?
- Is my Honda Accord covered for flood damage?
- Is my business laptop covered if it gets stolen from my vehicle?
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Can’t I get rate quotes from local Irvine insurance agencies?
Many drivers prefer to visit with an insurance agent and doing so can bring peace of mind Licensed agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find lower premium rates and still buy from a local agent.
After completing this quick form, the coverage information is submitted to local insurance agents that give free quotes and help you find cheaper coverage. You don’t have to leave your computer since price quotes are sent straight to your inbox. If you want to compare rates from one company in particular, you can always jump over to their website and complete a quote there.
Finding the right insurer needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Is the agent CPCU or CIC certified?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What is their Better Business Bureau rating?
- What kind of financial rating does the company have?
- How many companies do they write for?
How to find a good California auto insurance company
Insuring your vehicle with the best auto insurance provider is difficult considering how many choices drivers have in California. The ranking information displayed below can help you decide which auto insurance companies you want to consider shopping your coverage with.
Top 10 Irvine Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Irvine Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
One last note
Discount Honda Accord insurance in Irvine is attainable from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not offer rate quotes online and usually these smaller companies sell through local independent agents.
We covered some good ideas how you can save on Honda Accord insurance in Irvine. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Irvine car insurance quotes. You may even find the best prices are with the least-expected company.
When getting Irvine car insurance quotes online, you should never buy less coverage just to save a little money. Too many times, drivers have reduced physical damage coverage only to regret that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.
Much more information about car insurance in California can be found at these links:
- Rollover Crash FAQ (iihs.org)
- What Car Insurance is Cheapest for College Graduates in Irvine? (FAQ)
- Who Has Affordable Auto Insurance Rates for Government Employees in Irvine? (FAQ)
- How Much are Auto Insurance Rates for a Hyundai Elantra in Irvine? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)
- Where can I buy Insurance? (Insurance Information Institute)