How to Use Online Quoting to Find Honda Accord Insurance in Las Vegas
Overpriced Honda Accord insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.
Big-name insurance companies like GEICO, 21st Century and Progressive increase brand awareness with advertising and consumers find it hard to avoid their marketing magic and find the best price available.
Consumers should take time to shop coverage around quite often since insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest price for Accord coverage a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to find better coverage at a better price.
How much can you save with discounts?
Companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.
- Federal Government Employee – Simply working for the federal government can save as much as 8% for Accord coverage with certain companies.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- No Accidents – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
- Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of companies with the best auto insurance discounts in Las Vegas, click here.
Why your Honda Accord insurance rates may be high
Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. Understanding what determines base rates enables informed choices that can help you get much lower annual insurance costs.
Listed below are a few of the “ingredients” auto insurance companies consider when setting your rates.
- Safe vehicles cost less to insure – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Honda Accord earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- An active claims history can cost you – Companies in Nevada provide cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
- Rates may be lower depending on your job – Careers like doctors, social workers and financial analysts tend to have higher average rates attributed to job stress and long work hours. Conversely, occupations such as pilots, engineers and retirees receive lower rates for Accord coverage.
- Is your vehicle built for speed? – The performance of the vehicle you drive makes a substantial difference in the rate you pay. Due to the fact that the Honda Accord falls in the passenger car class, rates will be similar in price or lower than the average rate where you live in Las Vegas. Economy passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
- Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Careful drivers get better rates than their less careful counterparts. Even a single ticket can boost insurance rates by twenty percent. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
- Policy add-ons can waste money – There are quite a few additional coverages you can purchase when buying auto insurance. Coverages like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money get rid of them and save.
- Always keep insurance in force – Driving without insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with the Nevada motor vehicle department to get your license reinstated.
- Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
How much car insurance do I need?
When it comes to buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.
- Is my cargo covered for damage or theft?
- Should I have combined single limit or split liability limits?
- Does my car insurance cover rental cars?
- Will I be non-renewed for getting a DUI or other conviction?
- When would I need additional glass coverage?
- Why am I required to buy high-risk coverage?
- Are my tools covered if they get stolen from my vehicle?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered when driving in Canada or Mexico?
- Why am I required to get a high-risk car insurance policy?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Save $457 a year? Really?
Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads make an identical promise that you can save if you switch your policy. How does each company make the same claim? This is how they do it.
All the different companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured could possibly be over the age of 50, has no prior claims, and has a short commute. A customer who fits that profile receives the best rates and most likely will save when they switch companies.
Potential customers who don’t qualify for the “perfect” profile will be charged a more expensive rate which leads to business not being written. The ads say “customers that switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do. That is why you need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will give you the biggest savings.
Even more information is available at the Nevada Division of Insurance website. Visitors are able to find out which companies have the most complaints, learn about insurance regulations, report car insurance fraud, and read enforcement actions against agents and companies.
More related Las Vegas auto insurance information:
Online plus local equals savings
Cheaper Honda Accord insurance is possible from both online companies in addition to many Las Vegas insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.