Find Cheaper Honda Accord Insurance in Austin

Insurance for Honda AccordDo you want to save money by finding cheaper Honda Accord insurance in Austin? Overpriced insurance in Austin can sap your funds and force you to cut corners elsewhere. Comparing price quotes can lower your rates and help to ensure you are getting the best deal.

Shocking but true, the vast majority of consumers in Texas have been with the same company for over three years, and just short of a majority have never compared insurance rates at all. The average driver in America could cut their rates by $850 a year just by shopping around, but they just feel it's too hard to do a rate comparison.

Companies like State Farm, Progressive and GEICO all claim big savings with ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

Consumers need to take a look at other company's rates every six months because rates are adjusted regularly by insurance companies. Even if you got the best rate on Honda Accord insurance in Austin two years ago there may be better deals available now. There is a lot of wrong information about Accord insurance on the internet, but we're going to give you some great ways to quit paying high insurance rates in Austin.

If you currently have a car insurance policy, you will be able to shop for the lowest rates using these methods. Choosing the best rates in Austin is much easier if you have a good place to start. Nevertheless, Texas car owners must comprehend how companies calculate their prices and use it to find better rates.

Auto insurance providers offering low-cost rate quotes in Texas

The companies shown below are our best choices to provide price comparisons in Austin, TX. If multiple companies are shown, it's highly recommended you compare several of them to get a more complete price comparison.

Honda Accord Insurance Costs in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $204 $378 $392 $24 $118 $1,116 $93
Accord LX 4-Dr Sedan $136 $264 $366 $22 $110 $898 $75
Accord EX 4-Dr Sedan $246 $460 $422 $24 $126 $1,278 $107
Accord LX-P 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord LX-P 4-Dr Sedan $326 $486 $424 $26 $128 $1,390 $116
Accord EX-L 4-Dr Sedan $266 $492 $438 $26 $130 $1,352 $113
Accord EX 2-Dr Coupe $186 $400 $414 $24 $124 $1,148 $96
Accord LX-S 2-Dr Coupe $176 $360 $440 $26 $132 $1,134 $95
Accord EX-L 2-Dr Coupe $270 $472 $430 $26 $128 $1,326 $111
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in garaging location in Austin which can impact prices noticeably.

Should you raise deductibles?

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The tables below may help to conceptualize the costs and benefits between high and low insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Honda Accord insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $256 $408 $324 $20 $96 $1,129 $94
Accord LX 4-Dr Sedan $256 $408 $324 $20 $96 $1,129 $94
Accord EX 4-Dr Sedan $256 $408 $324 $20 $96 $1,129 $94
Accord LX-P 4-Dr Sedan $256 $408 $324 $20 $96 $1,129 $94
Accord LX-P 4-Dr Sedan $256 $408 $324 $20 $96 $1,129 $94
Accord EX-L 4-Dr Sedan $294 $496 $324 $20 $96 $1,255 $105
Accord EX 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Accord LX-S 2-Dr Coupe $294 $584 $430 $26 $128 $1,487 $124
Accord EX-L 2-Dr Coupe $332 $584 $430 $26 $128 $1,525 $127
Get Your Own Custom Quote Go
Honda Accord insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $158 $256 $324 $20 $96 $854 $71
Accord LX 4-Dr Sedan $158 $256 $324 $20 $96 $854 $71
Accord EX 4-Dr Sedan $158 $256 $324 $20 $96 $854 $71
Accord LX-P 4-Dr Sedan $158 $256 $324 $20 $96 $854 $71
Accord LX-P 4-Dr Sedan $158 $256 $324 $20 $96 $854 $71
Accord EX-L 4-Dr Sedan $182 $312 $324 $20 $96 $934 $78
Accord EX 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Accord LX-S 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Accord EX-L 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can change prices considerably.

Based on the figures above, using a $250 deductible will cost you about $26 more each month or $312 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 29 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Where to set your deductibles

The example below shows how choosing a deductible and can influence Honda Accord premium costs for each age group. The premiums are based on a married female driver, full coverage, and no discounts are applied to the premium.

Why Smart Buyers Pay Less for Honda Accord Insurance

Many different elements are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, but other criteria are not quite as obvious such as whether you are married or your commute time. An important part of buying insurance is that you know the different types of things that go into determining your auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that can earn you better auto insurance rates.

The factors shown below are just a few of the factors companies use to determine your premiums.

Get affordable Honda Accord insurance in Austin with discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that may help make it more affordable. Most are applied at quote time, but less common discounts must be asked about before you get the savings.Cheaper insurance with discounts

As is typical with insurance, most discount credits are not given to the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, you're out of luck.

To see insurers that offer discounts in Texas, click here.

Do I need an insurance agent?

Many drivers prefer to get advice from a local agent and that is a personal choice. One of the benefits of comparing rate quotes online is that you can find the best rates and still choose a local agent. And providing support for neighborhood insurance agencies is important particularly in Austin.

Find insurance agent in AustinFor easy comparison, once you complete this quick form, your insurance data is immediately sent to local insurance agents who will return price quotes and help you find cheaper coverage. You don't have to do any legwork since rate quotes are delivered straight to your inbox. Get lower rates and an insurance agent to talk to. In the event you want to quote rates from a specific insurance provider, you can always search and find their rate quote page and give them your coverage information.

If you would like to find a local Austin insurance agency, it helps to know the two different agency structures and how they are distinctly different. Agents in Austin may be either independent or exclusive.

Independent Agents

Independent agents often have many company appointments so they can insure your vehicles through many different insurance companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage which is easy for the insured.

If you are comparing rate quotes, we recommend you compare quotes from several independent insurance agents in order to have the best price comparison.

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


8030 N Mopac Expy - Austin, TX 78759 - (512) 343-0280 - View Map

AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd - Austin, TX 78757 - (512) 253-8726 - View Map


6700 Middle Fiskville Rd # 303 - Austin, TX 78752 - (512) 459-7979 - View Map

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Exclusive Insurance Agents

Exclusive agencies can usually just insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so you might not find the best rates. Exclusive insurance agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.

Shown below are Austin exclusive insurance agencies that can give you rate quotes.


8103 Brodie Ln Ste 7 - Austin, TX 78745 - (512) 282-9999 - View Map


13201 Pond Springs Rd #105 - Austin, TX 78729 - (512) 250-5533 - View Map


3500 Jefferson St #313 - Austin, TX 78731 - (512) 451-7573 - View Map

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Choosing an insurance agency shouldn't rely on just a low price. The answers to these questions are important, too.

But the ad said I'd save 15% in 15 minutes!

Companies like Allstate, GEICO and Progressive regularly use ads in print and on television. All the ads make an identical promise that drivers will save a bundle just by moving to their company. It sounds good, but how can they all claim to save you money? Here is the trick they use.

Many companies provide the lowest rates for the type of customer that will not have excessive claims. An example of this type of driver might be a female over age 40, has a clear driving record, and drives a vehicle with a low ISO rating. A customer that fits those parameters is entitled to the best price and have a good chance to save some money.

Potential insureds who are not a match for these criteria will have to pay higher prices which leads to business going elsewhere. If you listen closely, the ads state "people who switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's the way insurance companies can confidently state the savings.

This really drives home the point why it is so important to get as many free Austin car insurance quotes as possible. It's just not possible to know which insurance company will be your best fit.

Cheaper coverage is out there

When searching for low cost Austin car insurance quotes, make sure you don't reduce coverage to reduce premium. In too many instances, an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

Throughout this article, we presented many tips how you can compare Honda Accord insurance prices in Austin. It's most important to understand that the more rate quotes you have, the better likelihood of getting affordable Austin car insurance quotes. You may even discover the most savings is with an unexpected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

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