Car Insurance Rates for a Honda Accord in Tucson

Smart shoppers know that auto insurance companies want to keep your business as long as possible. People who compare rates at least once a year are inclined to move their business because there is a high probability of finding coverage at a more affordable price. A recent study showed that people who compared rates annually saved on average $860 a year compared to people who don’t regularly compare prices.

If finding the lowest price on insurance in Tucson is your objective, then having a grasp of how to find and compare insurance premiums can save money and time.

Insurance rates Honda Accord in TucsonThe recommended way to find cheaper prices for Honda Accord insurance is to regularly compare quotes from companies that insure vehicles in Tucson. Rate comparisons can be done by following these steps.

  1. Read and learn about policy coverages and the changes you can make to drop your rates. Many risk factors that cause high rates like multiple speeding tickets and an imperfect credit rating can be rectified by making minor changes to your lifestyle.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple companies.
  3. Compare the new rate quotes to your existing rates and determine if cheaper Accord coverage is available. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
  4. Give notification to your agent or company of your decision to cancel your current auto insurance policy and submit the required down payment along with the signed application to the new insurer. As soon as you receive it, place your new proof of insurance paperwork along with the vehicle’s registration papers.

One key aspect of rate comparisons is to try to use the same liability limits and deductibles on every price quote and and to get rate quotes from as many different insurance providers as possible. This guarantees a level playing field and the best price quote selection.

If you are paying for car insurance now, you will surely be able to shop for the lowest rates using the ideas presented in this article. Locating the most cost-effective auto insurance policy in Tucson is not rocket science. Nevertheless, Arizona drivers can benefit from knowing how companies compete online.

Most larger insurance companies make it easy to get coverage price quotes on their websites. Obtaining pricing for Honda Accord insurance in Tucson is possible for anyone because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. When the form is submitted, the system will obtain your credit score and driving record and returns a price determined by many factors. Using the web to get rates for Honda Accord insurance in Tucson helps simplify price comparisons, and it’s absolutely necessary to perform this step in order to get the lowest payment possible.

To save time and fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended that you enter the insurance coverages just like they are on your policy. This way, you will get comparison quotes based on identical coverages.

The following companies can provide price comparisons in Arizona. To locate cheaper auto insurance in Tucson, we recommend you click on several of them in order to find the most affordable rates.

Insurance rate breakdown

The premium information displayed below highlights different prices for Honda Accord models. Knowing how prices are established is important for you to make informed decisions when comparing rates.

Honda Accord Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $218 $376 $260 $16 $78 $948 $79
Accord LX 4-Dr Sedan $218 $376 $260 $16 $78 $948 $79
Accord EX 4-Dr Sedan $218 $376 $260 $16 $78 $948 $79
Accord LX-P 4-Dr Sedan $218 $376 $260 $16 $78 $948 $79
Accord LX-P 4-Dr Sedan $218 $376 $260 $16 $78 $948 $79
Accord EX-L 4-Dr Sedan $250 $456 $260 $16 $78 $1,060 $88
Accord EX 2-Dr Coupe $250 $538 $346 $20 $104 $1,258 $105
Accord LX-S 2-Dr Coupe $250 $538 $346 $20 $104 $1,258 $105
Accord EX-L 2-Dr Coupe $282 $538 $346 $20 $104 $1,290 $108
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in specific zip code location which can change rates greatly.

Annual premiums comparing men and women in Tucson

The information below shows the difference between Honda Accord insurance costs for male and female drivers. The data assumes no violations or accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Full coverage versus liability only rates

The illustration below illustrates the difference between Honda Accord annual premium costs with and without physical damage coverage. The data is based on a clean driving record, no claims, $100 deductibles, marital status is single, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s assume your Honda Accord claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after the deductible is paid. If you are currently paying more than $500 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Learn How to Lower Your Insurance Prices

Many things are taken into consideration when you get a price on insurance. Some are obvious like your driving record, but others are less apparent like where you live or how financially stable you are.

More performance means higher rates – The performance level of the car you are buying insurance for makes a significant difference in the rate you pay. The most favorable rates will normally be found when insuring economy passenger cars, but that’s not the only thing that factors into the final price.

The following chart is based on a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The data compares Honda Accord car insurance rates compared to other vehicles that have different performance risks.

Does your employer raise your premiums? – Did you know your job can affect your rates? Jobs like judges, business owners, and financial analysts usually pay the highest average rates in part from intense work situations and long work hours. Other occupations like actors, historians and performers pay the least.

Insure car and home with the same company – Most major insurers afford a discount to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to compare Honda Accord rates in Tucson to help guarantee you have the best rates. It’s possible to still find a better deal even if you insure with multiple companies

Save money with higher coverage deductibles – The deductibles are how much the insured will be required to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, fire damage, and damage from wind. The more money the insured has to pay upfront, the less money you will pay for car insurance.

Honda Accord claim probability – Companies use data from past claims when they file their rates in each state. Vehicles that tend to have increased losses will have increased rates. The table below shows the compiled insurance loss statistics for Honda Accord vehicles.

For each coverage category, the loss probability for all vehicles averaged together is equal to 100. Numbers that are below 100 imply a favorable loss record, while percentage values above 100 point to more frequent losses or statistically larger claims.

Honda Accord Insurance Claim Statistics
Vehicle 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing Honda Accord insurance is an important decision

Despite the high insurance cost for a Honda Accord in Tucson, maintaining insurance may be mandatory for several reasons.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will force you to have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Honda for a lot more money and make you pay for it.

Third, auto insurance protects not only your Honda Accord but also your assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying adequate insurance outweigh the cost, particularly when you have a large claim. Unknowingly, the average driver overpays more than $865 each year so it’s recommended you shop around each time the policy renews to save money.