How to Compare Chandler Honda Accord Insurance

Insurance for Honda AccordTo save the most money, the best way to get budget Honda Accord insurance is to start doing an annual price comparison from insurers who sell insurance in Chandler. Drivers can shop around by completing these steps.

An important bit of advice to remember is that you use identical coverages on each price quote and and to get quotes from every company you can. Doing this guarantees a level playing field and a thorough selection of prices.

It’s amazing but a large majority of consumers have been with the same company for over three years, and practically 40% of car insurance customers have never shopped around. Many drivers in Arizona can cut their rates by about 50% a year just by shopping around, but they underestimate the benefits if they bought a different policy.

The purpose of this post is to tell you the most effective way to quote insurance. If you have a current insurance policy, you will most likely be able to shop for the lowest rates using the techniques covered below. Smart buyers just need to learn the fastest way to shop their coverage around online from multiple companies.

Companies offering Honda Accord insurance in Chandler

The following companies are ready to provide quotes in Arizona. If multiple companies are listed, it’s highly recommended you visit several of them in order to find the most affordable rates.

Honda Accord detailed coverage information

The data table below showcases estimates of prices for Honda Accord models. Being more informed about how rate quotes are determined can help you make informed purchases.

Honda Accord Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord LX-P 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX-L 4-Dr Sedan $144 $246 $254 $16 $76 $736 $61
Accord EX 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord LX-S 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord EX-L 2-Dr Coupe $162 $290 $338 $20 $102 $912 $76
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in Chandler location which can influence price quotes substantially.

Policy deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The comparison tables below may help to conceptualize how much more rates are when you buy lower versus higher deductibles. The first price estimate table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord EX 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord LX-P 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord EX-L 4-Dr Sedan $232 $390 $254 $16 $76 $993 $83
Accord EX 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
Accord LX-S 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
Accord EX-L 2-Dr Coupe $262 $460 $338 $20 $102 $1,207 $101
Get Your Own Custom Quote Go

Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord LX-P 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX-L 4-Dr Sedan $144 $246 $254 $16 $76 $736 $61
Accord EX 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord LX-S 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord EX-L 2-Dr Coupe $162 $290 $338 $20 $102 $912 $76
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in your specific Chandler location which can lower or raise price quotes substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $21 more each month or $252 a year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 36 months between claim filings, you would probably be better off going with the higher deductible.

The example below highlights how deductible choice and can change Honda Accord premium costs for different age categories. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.

How accidents and tickets impact rates in Chandler

The chart below highlights how speeding tickets and at-fault fender-benders impact Honda Accord yearly insurance costs for each different age category. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Cheaper rates with these nine discounts

Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but some need to be manually applied prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The diagram below compares Honda Accord car insurance costs with and without discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, homeowner, claim-free, and multi-car discounts applied.

To choose insurers that offer discounts in Arizona, click this link.

Get rate quotes but buy from a local neighborhood Chandler car insurance agent

Many drivers still prefer to talk to a local agent and that is a smart decision Professional insurance agents are highly skilled in risk management and help you file claims. One of the benefits of getting free rate quotes online is you may find cheap rate quotes and still choose a local agent. And supporting local agencies is definitely important in Chandler.

Insurance agents in ChandlerTo find an agent, once you fill out this short form, the quote information is submitted to companies in Chandler that give free quotes for your insurance coverage. You won’t need to find an agent because quoted prices will be sent to you instantly. If you need to compare prices from a specific insurance company, don’t hesitate to navigate to their website and complete a quote there.

Two types of car insurance agents

If you are wanting to find a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they work. Insurance agencies in Chandler are classified as either exclusive or independent (non-exclusive). Both do a good job, but it’s important to know how they are different since it can affect which type of agent you select.

Independent Auto Insurance Agents

Agents in the independent channel are not restricted to one company so they can quote policies through many different auto insurance companies and find you cheaper rates. If your premiums go up, your agent can switch companies and you don’t have to find a new agent.

When comparing rate quotes, we recommend you get insurance quotes from independent agents to have the best price comparison. Many write coverage with companies that do not advertise much that may provide cheaper auto insurance rates.

Featured below is a partial list of independent agents in Chandler who may be able to give you cheap rate quotes.

More insurance agents

Exclusive Agencies

Exclusive insurance agents can only provide one company’s prices and examples are AAA, Allstate, and State Farm. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive insurance agents are highly trained in insurance sales and that enables them to sell even at higher rates. Drivers often buy from exclusive agents primarily because of the prominence of the brand rather than low rates.

Below is a short list of exclusive insurance agents in Chandler that can give you price quote information.

More insurance agents

Finding the right auto insurance agent requires you to look at more than just the quoted price. These are some valid questions you should ask.

After talking to the agent and getting good feedback to all your questions as well as a price you’re happy with, you’ve probably found an insurance agent that meets the criteria to service your policy.

Auto insurance specifics

Understanding the coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as ambulance fees, funeral costs, nursing services, X-ray expenses and pain medications. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This will pay to fix damage to your Accord resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, damaging your car on a curb, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible on your Accord to bring the cost down.

Liability insurance – Liability insurance can cover damage that occurs to people or other property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.

The chart below shows why minimum state limits may not provide adequate coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Accord.

Because many people only carry the minimum required liability limits (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are set the same as your liability limits.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, a broken windshield and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop around and save

We just showed you a lot of information how to shop for Honda Accord insurance online. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost Chandler auto insurance quotes. Consumers may even find the biggest savings come from an unexpected company.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason, finding the right car insurance provider is not as difficult as it may seem.

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