Feel like you're a prisoner to an overpriced auto insurance policy? Say no more because there are a lot of people in Cleveland just like you who feel imprisoned by their auto insurance policy.

Insurance rates Honda Accord in ClevelandA recent auto insurance study revealed that the vast majority of auto insurance customers in Ohio have remained with the same auto insurance company for at least the last four years, and roughly 40% of drivers have never compared quotes from other companies. The average driver in the United States could pocket as much as 47% a year by just comparing quotes, but they don't know the big savings they would realize if they moved their coverage to a different company.

With vehicle owners having so many auto insurance companies to choose from, it can be diffult for drivers to find the most affordable auto insurance company.

How to buy Honda Accord insurance in Cleveland, Ohio

To find inexpensive Cleveland car insurance quotes, there are several ways to compare quotes from all the different companies. The recommended way to find the cheapest insurance rates involves getting comparison quotes online.

Getting free rate quotes online is quite simple, and it makes it obsolete to make phone calls or go to local Cleveland insurance agencies. The ability to get quotes online eliminates this option unless you prefer the personal advice that only an agent can give. Although, it is possible obtain prices from the web and still use a local agent.

When price shopping your coverage, quoting more helps improve the odds of finding the best offered rates. Not every company provides online Cleveland Accord insurance quotes, so it's important to also get prices from them as well.

The companies shown below provide price comparisons in Cleveland, OH. If multiple companies are shown, we recommend you get price quotes from several of them to get the cheapest price.

Honda Accord Insurance Estimates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $96 $166 $186 $10 $56 $514 $43
Accord LX 4-Dr Sedan $82 $158 $218 $12 $66 $536 $45
Accord EX 4-Dr Sedan $96 $162 $182 $10 $54 $504 $42
Accord LX-P 4-Dr Sedan $120 $222 $250 $14 $76 $682 $57
Accord LX-P 4-Dr Sedan $170 $290 $192 $12 $58 $722 $60
Accord EX-L 4-Dr Sedan $110 $198 $182 $10 $54 $554 $46
Accord EX 2-Dr Coupe $98 $202 $264 $16 $80 $660 $55
Accord LX-S 2-Dr Coupe $194 $428 $346 $20 $104 $1,092 $91
Accord EX-L 2-Dr Coupe $138 $276 $270 $16 $80 $780 $65
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can impact auto insurance rates noticeably.

Deductible analysis

One of the most common car insurance questions is the level to set your comp and collision deductibles. The tables below help summarize how much more you'll pay between low and high policy deductibles. The first data set uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $152 $242 $192 $12 $58 $681 $57
Accord LX 4-Dr Sedan $152 $242 $192 $12 $58 $681 $57
Accord EX 4-Dr Sedan $152 $242 $192 $12 $58 $681 $57
Accord LX-P 4-Dr Sedan $152 $242 $192 $12 $58 $681 $57
Accord LX-P 4-Dr Sedan $152 $242 $192 $12 $58 $681 $57
Accord EX-L 4-Dr Sedan $176 $296 $192 $12 $58 $759 $63
Accord EX 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
Accord LX-S 2-Dr Coupe $176 $348 $256 $16 $76 $897 $75
Accord EX-L 2-Dr Coupe $198 $348 $256 $16 $76 $919 $77
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $124 $196 $192 $12 $58 $582 $49
Accord LX 4-Dr Sedan $124 $196 $192 $12 $58 $582 $49
Accord EX 4-Dr Sedan $124 $196 $192 $12 $58 $582 $49
Accord LX-P 4-Dr Sedan $124 $196 $192 $12 $58 $582 $49
Accord LX-P 4-Dr Sedan $124 $196 $192 $12 $58 $582 $49
Accord EX-L 4-Dr Sedan $142 $238 $192 $12 $58 $642 $54
Accord EX 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Accord LX-S 2-Dr Coupe $142 $280 $256 $16 $76 $770 $64
Accord EX-L 2-Dr Coupe $160 $280 $256 $16 $76 $788 $66
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific Cleveland garaging location which can decrease or increase premiums considerably.

Based on these figures, using a $250 deductible could cost the average driver approximately $9 more each month or $108 for a full year than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 28 months between claims, you would probably come out ahead by going with a higher deductible. Here's the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $64
Average monthly premium for $500 deductibles (subtract): - $55
Monthly savings from raising deductible: $9
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important sidenote is that a higher deductible level results in more money out-of-pocket when you have to file a claim. You need to have some savings in the event you need to pay the higher deductible in order to repair your vehicle.

How high should deductibles be?

The diagram below illustrates how your choice of deductibles and can affect Honda Accord annual premium costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Irresponsible driving raises your rates

The chart below shows how traffic citations and at-fault collisions impact Honda Accord insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Auto insurance policy discounts for Honda Accord insurance in Cleveland

Car insurance companies don't always list their entire list of discounts in a way that's easy to find, so we break down a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Cleveland car insurance online.Auto insurance discounts

Remember that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, auto insurance companies aren't that generous. But any discount will reduce the amount you have to pay.

Companies and some of the discounts are detailed below.

If you are trying to find affordable Honda Accord insurance quotes, ask each company or agent how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your state. To see providers that can offer you the previously mentioned discounts in Ohio, click this link.

Local agents and car insurance

Many people would rather go talk to an agent and we recommend doing that One of the great benefits of comparing rates online is that drivers can save money and get lower rates and still buy from a local agent. Buying from neighborhood insurance agencies is still important in Cleveland.

Insurance agency in ClevelandUpon completion of this simple form, your coverage information is sent to agents in your area who want to provide quotes for your coverage. It simplifies rate comparisons since you won't have to do any legwork because quoted prices will be sent to your email. You can find lower rates AND a local agent. If for some reason you want to quote rates from a specific car insurance provider, you just need to search and find their rate quote page and complete a quote there.

Different types of Cleveland car insurance agents

When researching a local Cleveland insurance agent, you need to know there are two different agency structures and how they can quote your rates. Car insurance agencies can be described as either exclusive or independent.

Independent Agents

These agents can sell policies from many different companies so they can quote policies with an assortment of companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and you stay with the same agent.

When comparing rates, we recommend you get quotes from multiple independent agents so that you can do a thorough price comparison.

The following are Cleveland independent agencies that may be able to give you free car insurance quotes.

10535 St Clair Ave - Cleveland, OH 44108 - (216) 761-1500 - View Map

Coventry Insurance Agency
230 W Huron Rd - Cleveland, OH 44113 - (216) 307-3611 - View Map

5602 State Rd - Parma, OH 44134 - (800) 701-5909 - View Map

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Exclusive Agents

Agents that elect to be exclusive can only quote rates from one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to compare rates from other companies so always compare other rates. These agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.

The following are Cleveland exclusive insurance agencies that are able to give comparison quotes.

2291 Lee Rd - Cleveland Heights, OH 44118 - (216) 932-0100 - View Map

Robert Jones - State Farm Insurance Agent
12405 Larchmere Blvd - Cleveland, OH 44120 - (216) 229-3276 - View Map

24800 Chagrin Blvd #100 - Cleveland, OH 44122 - (216) 292-3803 - View Map

More insurance agents

Finding a good auto insurance agent requires more thought than just a low price. Any agent in Cleveland should be forthright in answering these questions:

Smart Buyers Know How to Quote Car Insurance at a Discount

Smart consumers have a good feel for the rating factors that come into play when calculating car insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that may reward you with big savings. Many things are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, although others are not as apparent such as your credit history or your vehicle rating.

Credit score impacts premium rates - Your credit score will be a significant factor in determining your rates. So if your credit history can use some improvement, you could pay less to insure your Honda Accord by taking the time to improve your credit score. Drivers with very high credit ratings tend to be more responsible and file fewer claims than those with lower credit scores.

Rates can be impacted by your job - Did you know your occupation can influence how much you pay for car insurance? Occupational choices like fire fighters, airline pilots, and financial analysts usually pay the highest average rates due to intense work situations and lots of time spent away from family. On the flip side, jobs such as actors, athletes and retirees pay the least.

How much liability - Your policy's liability coverage will protect you in the event that you are determined to be liable for damages from an accident. It will provide for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.

Deter theft and lower rates - Choosing to buy a car with a theft deterrent system can save you some money. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.

Rates are impacted by vehicle performance - The type of vehicle you need to insure makes a huge difference in how high your rates are. Because the Honda Accord is a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live in Cleveland. Small economy passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.

Continuous car insurance coverage lowers car insurance rates - Having an insurance coverage lapse can be a fast way to pay more for car insurance. Not only will rates go up, getting caught without coverage may result in a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the Ohio DMV.

Safer vehicles cost less to insure - Safe vehicles get lower rates. Highly rated vehicles reduce occupant injuries and better occupant protection means your insurance company pays less passed on to you as lower rates.

Prices may be higher where you live - Residing in small towns and rural areas can be a good thing if you are looking for the lowest rates. Drivers in populated areas tend to have more auto accidents and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident as well as less vandalism and auto theft.

Claims statistics for a Honda Accord - Insurers factor in historical loss data when they set coverage costs for each model. Models that the statistics show to have increased losses will have higher rates for specific coverages.

The data below shows the insurance loss data for Honda Accord vehicles. For each type of coverage, the loss probability for all vehicles, as a total average, is represented as 100. Numbers shown that are under 100 indicate better than average losses, while percentage values above 100 indicate more frequent losses or tendency to have higher losses.

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

Three main reasons to buy car insurance

Even though it can be expensive, insuring your vehicle is required in Ohio but also provides important benefits.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. According to a recent study, the average American driver is overpaying more than $869 every year so compare rates at every renewal to ensure rates are competitive.

Compare. Compare. Compare.

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

The cheapest Honda Accord insurance in Cleveland is possible both online and with local Cleveland insurance agents, so you need to shop Cleveland car insurance with both to have the best chance of lowering rates. Some auto insurance companies do not offer price quotes online and these smaller companies sell through independent insurance agencies.

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