Want a free price quotes on cheaper Honda Accord insurance in Columbus? Scraping up a payment for overpriced Honda Accord insurance in Columbus can deplete your checking account and make it impossible to make ends meet. Performing a rate comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Amazingly, a recent NerdWallet.com study showed that a large majority of drivers in Ohio kept their coverage with the same auto insurance company for four years or more, and approximately 40% of consumers have never compared auto insurance rates at all. With the average premium in the United States being $1,847, drivers can cut their rates by approximately $860 a year by just comparing rate quotes, but they don't want to take the time to compare rate quotes. Big companies like GEICO, Progressive and Allstate continually hit you with TV and radio ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.
If you have a current car insurance policy or are just looking to switch companies, use these techniques to get lower rates and possibly find even better coverage. Finding the cheapest car insurance coverage in Columbus can really be easy if you know what you're doing. Smart shoppers only need to know the quickest way to compare rate quotes using one simple form.
Companies offering cheap Honda Accord rate quotes in Columbus, OH
The companies shown below can provide quotes in Ohio. If more than one company is shown, it's a good idea that you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$146||$284||$202||$12||$60||$704||$59|
|Accord LX 4-Dr Sedan||$92||$176||$234||$14||$70||$586||$49|
|Accord EX 4-Dr Sedan||$146||$284||$218||$12||$66||$726||$61|
|Accord LX-P 4-Dr Sedan||$146||$284||$218||$12||$66||$726||$61|
|Accord LX-P 4-Dr Sedan||$164||$328||$250||$14||$76||$832||$69|
|Accord EX-L 4-Dr Sedan||$178||$324||$198||$12||$60||$772||$64|
|Accord EX 2-Dr Coupe||$110||$234||$242||$14||$72||$672||$56|
|Accord LX-S 2-Dr Coupe||$94||$214||$290||$18||$86||$702||$59|
|Accord EX-L 2-Dr Coupe||$122||$220||$256||$16||$76||$690||$58|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in zip code location which can raise or lower insurance rates considerably.
Drive responsibly or pay higher rates
The chart below demonstrates how citations and fender-benders can drive up Honda Accord insurance rates for each different age category. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Annual premiums for males compared to females in Columbus
The diagram below illustrates the comparison of Honda Accord insurance prices for male and female drivers. The premium estimates are based on no violations or accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied.
Do you qualify for discounts?
Car insurance can cost a lot, but companies offer discounts that can dramatically reduce your bill. Most are applied at quote time, but a few need to be specifically requested before you get the savings.
- Drive Less and Save - Driving less may enable drivers to earn slightly better prices than normal.
- Clubs and Organizations - Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
- Buy New and Save - Buying a new car model can cost up to 25% less compared to insuring an older model.
- Anti-theft System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your Columbus car insurance quote.
- Payment Discounts - By making one initial payment instead of paying each month you can avoid the installment charge.
- Active Military Service - Being on active deployment in the military may qualify for rate reductions.
- Paper-free Discount - A few larger online companies give back up to $50 for signing up on the internet.
- Bundled Policy Discount - If you insure your home and vehicles with one insurance company you could get a discount of as much as 10 to 15 percent.
- Employee of Federal Government - Having worked for a branch of the government could cut as much as 10% off depending on your company.
- Accident Waiver - Not really a discount, but some insurance companies will let one accident slide before hitting you with a surcharge if you have no claims prior to the accident.
Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, that's just not realistic.
To choose insurers who offer car insurance discounts in Ohio, click this link.
You Can Change Your Insurance Premiums
Many factors are considered when you get your auto insurance bill. Some are obvious such as traffic violations, but others are not quite as obvious such as your marital status or how financially stable you are.
The list below includes just a few of the factors insurance companies consider when setting your premiums.
High credit saves on insurance - Credit history is a big factor in determining what you pay for insurance. Therefore, if your credit rating can be improved, you could be paying less to insure your Honda Accord by spending a little time repairing your credit. Drivers with good credit tend to be more responsible than drivers with poor credit scores.
Marriage reduces risk - Your spouse may save some money on your insurance policy. Having a significant other usually means you are more mature it has been statistically shown that married couples file fewer claims.
Vehicle options that cut prices - Owning a car that has an advanced theft prevention system can help lower your premiums. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
How much liability insurance - Liability insurance will afford coverage if you are responsible for causing damage or personal injury in an accident. Liability insurance provides for a legal defense to defend your case. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
File claims and pay more - If you're an insured who likes to file claims don't be surprised to see increased rates or even have your policy non-renewed. Car insurance companies in Ohio generally give discounts to insureds who are claim-free. Auto insurance is intended for claims that you cannot pay yourself.
Consolidate policies with the same company - Some insurance companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, it's always a smart idea to compare other company rates to guarantee you are still saving the most.
Don't let your insurance lapse - Driving with no insurance is a big no-no and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay higher rates, not being able to provide proof of insurance might get you a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department.
Honda Accord insurance claim data - Insurance companies study historical loss data to help determine the price you pay. Vehicles that statistically have a trend towards higher claim severity or frequency will cost more for specific coverages. The table shown below demonstrates the insurance loss data for Honda Accord vehicles.
For each type of coverage, the claim amount for all vehicles averaged together is equal to 100. Numbers below 100 suggest a positive loss record, while values over 100 show a trend for more claims or a tendency for claims to be larger.
Honda Accord Insurance Loss Statistics
|Vehicle 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
Statistics from IIHS.org for 2013-2015 Model Years
What if I want to buy from local Columbus car insurance agents?
Many people prefer to get professional advice from a licensed agent and that is not a bad decision Licensed agents can help you choose the best coverages and help submit paperwork. One of the great benefits of comparing insurance prices online is you may find cheap insurance rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your coverage information is sent to insurance agents in Columbus that give free quotes and help you find cheaper coverage. There is no need to leave your computer because quoted prices will be sent directly to you. If you have a need to compare prices from one company in particular, you just need to visit that company's website and fill out their quote form.
Choosing the best insurance company requires more thought than just a cheap quote. These questions are important to ask:
- Do they feel the quoted coverages are adequate?
- How many years have they been established?
- Do they review policy coverages at every renewal?
- How are claims handled?
- Are there any discounts that you might be missing?
- Are they properly licensed to sell insurance in Ohio?
- Who is covered by the car insurance policy?
- If they are an independent agency in Columbus, which companies do they recommend?
If you want to use a reliable insurance agent, it's important to understand the different agency structures and how they can quote your rates. Insurance agents are either exclusive or independent agents depending on their company appointments. Either type can write policy coverage, but it is a good idea to know how they differ because it can influence your agent selection.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. They are unable to compare rates from other companies so you might not find the best rates. Exclusive agents receive extensive training on their company's products which aids in selling service over price.
The following is a list of exclusive insurance agencies in Columbus who can help you get price quote information.
Independent Insurance Agents
Agents that choose to be independent do not have single company limitations and that allows them to write policies through many companies and help determine which has the cheapest rates. If premiums increase, the agent simply finds a different carrier and you stay with the same agent.
When comparing insurance rates, it's recommended you get quotes from multiple independent agents for maximum quote selection.
Shown below are Columbus independent insurance agents that are able to give rate quotes.
Insurance buyers beware
Consumers can't escape the ads for insurance savings from companies such as Allstate and Progressive. They all seem to seem to make the promise of big savings if you change your insurance policy to them.
But how can every company charge you a lower premium? It's all in the wording.
Insurance companies quote the lowest rates for the type of driver that will be a good risk. For instance, a profitable customer may need to be between the ages of 30 and 45, has few claims, and the vehicle is rated for pleasure use. Someone who fits that profile may get the lowest car insurance rates in Columbus and will save quite a bit of money when switching.
Drivers who are not a match for this stringent profile may be required to pay higher prices which translates to the customer buying from someone else. The ads state "customers that switch" not "everyone who quotes" save the amount stated. That is how insurance companies can advertise the savings. This illustrates why drivers must compare quotes as often as possible. It's not possible to predict the company that will be your best fit.
Quote more to save more
Discount Honda Accord insurance in Columbus is available both online and also from your neighborhood Columbus agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not offer online rate quotes and these smaller providers provide coverage only through independent agents.
When you buy Columbus car insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.
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