Cheap Honda Accord Insurance in Aurora

Discount Honda Accord insuranceReally, the only way to get budget car insurance rates in Aurora is to regularly compare price quotes from different companies that sell auto insurance in Colorado. Price quotes can be compared by following these guidelines.

Step 1: Get a basic knowledge of policy coverages and the things you can control to drop your rates. Many policy risk factors that increase rates such as careless driving and a not-so-good credit score can be improved by making lifestyle changes or driving safer. Keep reading for more details to prevent high rates and find additional discounts.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies. View rates

Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you can save money and decide to switch, verify that coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company to cancel your current policy. Submit the required down payment along with the signed application to your new carrier. Once received, put the new proof of insurance paperwork in an accessible location in your vehicle.

One thing to remember is that you’ll want to make sure you compare similar coverage information on every quote and and to get prices from every insurance company. Doing this enables the most accurate price comparison and a good representation of prices.

It’s shocking but nearly 70% of drivers have stayed with the same insurance company for at least four years, and just short of a majority have never taken the time to shop around. The average driver in Colorado can save almost 35% each year, but they just feel it’s too hard to save money by comparing rate quotes.

If you are insured now or just want cheaper coverage, use these tips to lower your rates and possibly find even better coverage. The goal of this article is to familiarize you with how auto insurance companies operate and also save some money in the process Drivers only need an understanding of the tricks to shop for auto insurance online.

The companies shown below provide comparison quotes in Aurora, CO. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.

Check for these five money saving discounts

Some insurers don’t list every available discount very well, so below is a list both well-publicized and the more hidden ways to save on car insurance.Save money with discounts

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

The chart below shows the comparison of Honda Accord insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims or driving violations, Colorado 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 multi-car, marriage, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

Popular car insurance companies and a selection of discounts can be found below.

If you need lower rates, check with each company or agent to give you their best rates. Discounts might not be offered in Aurora. To choose providers with the best Honda Accord insurance discounts in Colorado, follow this link.

Rate information and statistics

The coverage table below highlights different prices for Honda Accord models. Being aware of how auto insurance premiums are calculated can aid in making smart choices when selecting a policy.

Honda Accord Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $166 $298 $338 $20 $102 $924 $77
Accord EX 4-Dr Sedan $166 $298 $338 $20 $102 $924 $77
Accord LX-P 4-Dr Sedan $166 $298 $338 $20 $102 $924 $77
Accord EX-L 4-Dr Sedan $190 $362 $338 $20 $102 $1,012 $84
Accord EX 2-Dr Coupe $190 $426 $448 $26 $134 $1,224 $102
Accord LX-S 2-Dr Coupe $190 $426 $448 $26 $134 $1,224 $102
Accord EX-L 2-Dr Coupe $214 $426 $448 $26 $134 $1,248 $104
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can impact price quotes greatly.

The information below shows how choosing a deductible and can change Honda Accord yearly insurance costs for each different age category. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.

Age, gender, and Honda Accord insurance

The example below compares Honda Accord insurance premiums for male and female drivers. Data assumes no claims or driving violations, full coverage, $100 deductibles, single status, and no additional discounts are factored in.

Honda Accord full coverage rates compared to liability only

The chart below illustrates the comparison of Honda Accord insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims, a clean driving record, $500 deductibles, single marital status, and no policy discounts are applied.

When to drop full coverage

There isn’t a written rule to exclude physical damage coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Honda Accord claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the deductible is paid. If you are paying over $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.