How to Compare Los Angeles Honda Accord Insurance

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Discount Honda Accord insuranceHow many years has it been since you compared more affordable Honda Accord insurance in Los Angeles? Trying to find cheaper Honda Accord insurance in Los Angeles can seem to be a challenge for drivers not familiar with buying insurance online. People have so many different companies and agents to choose from that it can easily be a difficult situation to find the perfect company for you.

Amazingly, over 70% of drivers kept their policy with the same company for at least four years, and 38% of drivers have never compared rates with other companies. California drivers could save roughly 35% every year just by comparing rates, but they assume it's a waste of time to do a rate comparison.

It's smart to compare rates every six months because insurance prices are usually higher with each renewal. If you had the best quotes on Honda Accord insurance in Los Angeles a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you're going to get a crash course in how to use online quotes to properly buy coverages and cut your premium.

If you are already insured, you stand a good chance to be able to get lower rates using this information. This information will familiarize you with how auto insurance companies operate and also pocket some savings Although California car owners benefit from understanding how insurance companies set your policy premium and use this information to your advantage.

Car insurance providers offering competitive rates in California

The companies in the list below are our best choices to provide comparison quotes in Los Angeles, CA. If the list has multiple companies, we recommend you get rates from several of them in order to find the lowest rates.

Honda Accord insurance statistics and information

The table shown next highlights different insurance rates for Honda Accord models. Having a good grasp of how insurance policy rates are figured can aid in making informed decisions when shopping around for a new policy.

Honda Accord Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can alter premiums significantly.

Policy deductible comparison

One of the most common car insurance questions is how high should your deductibles be. The following tables can help you visualize how much more you'll pay between low and high deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Honda Accord insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX-L 4-Dr Sedan $380 $686 $376 $22 $112 $1,601 $133
Accord EX 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord LX-S 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord EX-L 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
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Honda Accord insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific Los Angeles garaging location which can change coverage prices greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $28 more each month or $336 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claims, you would save money if you opt for a higher deductible.

The diagram below demonstrates how deductibles and can increase or decrease Honda Accord premium costs for different ages of insureds. The data is based on a married male driver, comp and collision included, and no discounts are applied.

Cost comparison with and without full coverage

The illustration below illustrates the comparison of Honda Accord yearly insurance costs with full physical damage coverage and with liability coverage only. The information is based on no violations or claims, $250 deductibles, single marital status, and no additional discounts are factored in.

Should you pay for full coverage?

There isn't a steadfast formula of when to eliminate physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your Honda Accord replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying your deductible. If you are paying over $400 annually to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

Auto insurance discounts help lower rates for Honda Accord insurance in Los Angeles

Some insurers don't necessarily list all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known as well as some of the hidden ways to save on auto insurance.

  • Renewal Discounts - Select auto insurance companies give a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
  • Federal Government Employee - Having worked for a branch of the government could cut as much as 10% off with a few auto insurance companies.
  • Defensive Driver - Taking a class that teaches driver safety techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • Claim Free - Drivers with accident-free driving histories pay less in comparison with policyholders that have many claims.
  • Full Payment Discount - If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
  • Life Insurance Discount - If the company offers life insurance, you could get a discounted price on car insurance if you buy a life insurance policy as well.
  • Paperless Signup - Certain larger companies will provide an incentive shop Los Angeles car insurance on their website.
  • Student Driver Training - Cut your cost by having your teen driver successfully take a driver's education course in school.
  • Discount for Multiple Policies - When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
  • New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

The information below illustrates the difference between Honda Accord annual premium costs with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.

A list of auto insurance companies and the discounts they provide are shown below.

  • GEICO offers discounts including anti-lock brakes, good student, defensive driver, multi-vehicle, driver training, and membership and employees.
  • Auto-Owners Insurance offers premium reductions for paid in full, air bags, multiple vehicles, safe driver, anti-theft, and company car.
  • American Family includes discounts for defensive driver, accident-free, good driver, multi-vehicle, and early bird.
  • Esurance has savings for good student, anti-lock brakes, homeowner, defensive driver, Switch & Save, DriveSense, and Pac-12 alumni.
  • Progressive may offer discounts for online signing, online quote discount, homeowner, multi-vehicle, continuous coverage, and multi-policy.
  • State Farm may have discounts that include multiple policy, student away at school, Drive Safe & Save, accident-free, good driver, multiple autos, and safe vehicle.
  • AAA has discounts for multi-policy, multi-car, education and occupation, pay-in-full, and good student.

If you need affordable Honda Accord insurance quotes, ask every insurance company which discounts you qualify for. Some discounts might not be available to policyholders in your state. To view providers who offer free Honda Accord insurance quotes in California, click this link.

It's not one size fits all

When quoting and choosing your policy for your personal vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • How do I buy GAP insurance?
  • What are the financial responsibility laws in my state?
  • Does medical payments coverage apply to all occupants?
  • What is an umbrella policy?
  • Are rental cars covered under my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I insured when driving a different vehicle?
  • Who is covered when they drive my Honda Accord?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Comparing prices from local Los Angeles insurance agencies

A small number of people just prefer to talk to a local agent and that can be a smart move One of the great benefits of getting free rate quotes online is the fact that you can find the best rates and still buy from a local agent.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to companies in Los Angeles who want to provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to even leave your home as quotes are delivered directly to you. It's the lowest rates AND a local agent. If you have a need to get a price quote from a specific insurance provider, don't hesitate to navigate to their website and fill out their quote form.

Finding the right company is decision based upon more than just a low price. The questions below may impact your decision as well.

  • Are you getting all the discounts the company offers?
  • Do they have designations such as AIC, CPCU, or CIC?
  • Are there any extra charges for paying monthly?
  • Can they help ensure a fair claim settlement?
  • Is insurance their full-time profession?

When looking for a good Los Angeles insurance agent, you must know there are a couple different agency structures and how they function. Insurance agencies can either be independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Agents of this type generally can only insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates. Drivers often use the same agent mainly due to the brand name and strong financial ratings.

The following is a list of exclusive agents in Los Angeles who may provide you with rate quotes.

View more Los Angeles agents

Independent Insurance Agents

Agents of this type are not employed by any specific company and that allows them to write policies through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you don't have to switch agencies.

If you need cheaper insurance rates, it's a good idea to compare quotes from several independent insurance agents to get the best comparison. Most independent agents also contract with mutual insurance companies which may have better rates.

Listed below is a list of independent agencies in Los Angeles who can help you get price quotes.

View more Los Angeles agents

Cover all your bases

You just learned many tips how you can save on Honda Accord insurance in Los Angeles. It's most important to understand that the more quotes you get, the better likelihood of getting cheaper Los Angeles car insurance quotes. Drivers may even discover the best premium rates are with some of the lesser-known companies.

Some auto insurance companies may not have internet price quotes and many times these smaller providers provide coverage only through independent insurance agents. Affordable Honda Accord insurance in Los Angeles is available on the web and from local insurance agents, and you should compare price quotes from both to get a complete price analysis.

People who switch companies do it for many reasons like policy non-renewal, extreme rates for teen drivers, high rates after DUI convictions and even questionable increases in premium. Whatever your reason, switching auto insurance companies can be pretty painless.

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