Discount Honda Accord insuranceWant low-cost Honda Accord insurance in Tacoma? Locating the cheapest insurance for a new or used Honda Accord in Washington can normally be a lot of work, but you can use these tips to save time. There is a better way to buy auto insurance so you're going to learn the proper way to price shop coverage for a Honda and locate the lowest price from Tacoma insurance agents and online providers.

Lowering your insurance rates is pretty simple and can save money. The only requirement is to take time getting comparison quotes to find out which insurance company has the cheapest Honda Accord rate quotes.

The companies in the list below offer free quotes in Tacoma, WA. If multiple providers are shown, we recommend you visit several of them to get the most affordable price.

Honda Accord Insurance Rate Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $136 $244 $338 $20 $102 $840 $70
Accord LX 4-Dr Sedan $190 $368 $284 $16 $84 $942 $79
Accord EX 4-Dr Sedan $124 $212 $236 $14 $70 $656 $55
Accord LX-P 4-Dr Sedan $118 $224 $326 $20 $98 $786 $66
Accord LX-P 4-Dr Sedan $214 $368 $256 $16 $76 $930 $78
Accord EX-L 4-Dr Sedan $168 $284 $258 $16 $78 $804 $67
Accord EX 2-Dr Coupe $212 $364 $436 $26 $130 $1,168 $97
Accord LX-S 2-Dr Coupe $110 $242 $320 $18 $96 $786 $66
Accord EX-L 2-Dr Coupe $318 $664 $450 $26 $134 $1,592 $133
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums substantially.

Insurance rate increases from tickets or accidents

The illustration below demonstrates how citations and at-fault fender-benders can affect Honda Accord insurance costs for different age groups. Data assumes a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Affordable Tacoma car insurance rates with discounts

Car insurance companies don't necessarily list their entire list of discounts in a way that's easy to find, so we took the time to find a few of the more common and also the more inconspicuous credits available to you.Discount car insurance

While discounts sound great, it's important to understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like you could get a free car insurance policy, it doesn't quite work that way.

To choose providers who offer free Honda Accord insurance quotes in Washington, click here to view.

Tacoma Insurance Premiums are Influenced by These Factors

Lots of things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are more obscure such as whether you are married or your commute time.

Shown below are a few of the "ingredients" used by insurance companies to determine your rate level.

Gals tend to cost less - Over time, data shows that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Males and females tend to get into at-fault accidents in similar numbers, but the males tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.

Drive lots and pay more - The higher the mileage driven in a year the higher the price you pay to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates than vehicles that have high annual mileage. Make sure your auto insurance policy reflects the correct usage. An improperly rated Accord is just wasting money.

Is you vocation costing you more? - Do you work in a high-stress field? Jobs like military generals, executives and medical professionals usually pay higher rates than average due to high stress and lots of time spent at work. Conversely, careers like farmers, historians and performers pay lower than average rates.

Amount of liability - A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.

Save money with higher comp and collision deductibles - Physical damage deductibles are the amount of money you are willing to pay before your auto insurance pays a claim. Physical damage insurance, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, vandalism, and having a roll-over accident. The more you are required to pay out-of-pocket, the bigger discount you will receive.

Insurance loss statistics a Honda Accord - Auto insurance companies analyze historical claim data as a way to help calculate a profitable premium price. Models that are shown to have a trend towards higher claim severity or frequency will have higher rates.

The data below shows the compiled insurance loss statistics for Honda Accord vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Values that are under 100 suggest losses that are better than average, while values over 100 point to more losses or tendency to have higher losses.

Honda Accord Insurance Loss Statistics

Specific Honda 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Independent versus exclusive insurance agencies

Many drivers still like to get advice from a local agent and doing so can bring peace of mind Professional agents can help determine the best coverages and help file insurance claims. One of the benefits of comparing insurance prices online is you may find lower rates and still choose a local agent.

Once you complete this form (opens in new window), your coverage information gets sent to agents in your area who will give competitive quotes for your insurance coverage. There is no need to even leave your home since rate quotes are delivered immediately to you. If you want to compare rates from a specific insurance provider, you would need to find their quoting web page and submit a quote form there.

Picking a provider should include more criteria than just a low price. The following questions are important to ask.

Exclusive agents vs. Independent agents

If you are wanting to purchase insurance from a local insurance agency, you must know there are a couple types of agencies and how they are slightly different. Agents in Tacoma are classified as either independent agents or exclusive agents. Either one can insure your vehicles, but it's important to point out the difference in how they write coverage because it can influence the kind of agent you use.

Exclusive Insurance Agents

These agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agents are well schooled on sales techniques and that enables them to sell even at higher rates. Consumers often purchase coverage from exclusives partially due to the brand name rather than having the cheapest rates.

Listed below are Tacoma exclusive insurance agencies who may provide you with price quote information.

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Independent Insurance Agents

Independent agencies often have affiliation with several companies and that enables them to quote your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If they find a lower price, your agent can just switch to a different company and you can keep the same agent.

When comparing rate quotes, it's recommended you check rates from independent agents in order to have the best price comparison. Most can insure with smaller regional carriers which may have better rates.

Shown below is a short list of independent insurance agents in Tacoma willing to provide rate quotes.

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Everyone needs different insurance coverages

Keep in mind that when it comes to choosing a policy for your vehicles, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's.Higher deductibles save money

Here are some questions about coverages that might help in determining if your insurance needs might need an agent's assistance.

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance advertising gotchas

Consumers in Washington can't get away from ads for cheaper auto insurance by companies like Allstate, GEICO and Progressive. All the companies convey the message that you'll save big if you just switch your auto insurance policy to them.

How can each company offer drivers better rates? Just pay attention to how they say it.

Many companies have strict underwriting profiles for the type of driver that earns them the highest profit. One example of a profitable risk profile could possibly be over the age of 35, owns their home, and drives a vehicle with a low ISO rating. Someone who matches that profile will probably get the lowest rates and most likely will cut their Honda Accord insurance rates if they switch.

Potential insureds who don't qualify for those standards will see a higher rate and this results in the customer not purchasing. The ads say "customers who switch" not "everyone that quotes" save that much when switching. That's the way insurance companies can advertise the savings. This really illustrates why you absolutely need to compare as many free Tacoma auto insurance quotes as you can. It is just not possible to predict which company will give you the biggest savings.

More comparisons equals cheaper rates

We covered a lot of information how to save on Honda Accord insurance in Tacoma. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best rates are with some of the lesser-known companies.

Insureds who switch companies do it for any number of reasons including denial of a claim, policy non-renewal, delays in responding to claim requests and not issuing a premium refund. Regardless of your reason, finding a great new company is not as difficult as it may seem.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. There are many occasions where an insured dropped full coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

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