Want 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.
|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|
|Get Your Own Custom Quote Go|
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.
- Air Bags and Passive Restraints - Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.
- Defensive Driver Discount - Taking part in a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
- Good Grades Discount - Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
- Resident Student - Children who attend college more than 100 miles from Tacoma and do not have access to a covered vehicle may be insured at a cheaper rate.
- Drivers Education - Have your child enroll and complete driver's education as it can save substantially.
- Low Mileage - Fewer annual miles on your Honda may allow you to get slightly better rates than normal.
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 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 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.
- Can they help ensure a fair claim settlement?
- How often do they review coverages?
- What company do they have the most business with?
- Is insurance their full-time profession?
- Is the coverage adequate for your vehicle?
- By raising physical damage deductibles, how much would you save?
- Do the agents have professional certifications like CPCU or CIC?
- How many companies do they write for?
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.
- Paul Rohrbaugh - State Farm Insurance Agent
7701 S Hosmer St b - Tacoma, WA 98408 - (253) 475-0693 - View Map
- American Family Insurance - Christina Miller
3814 Pacific Ave South Ste 103 - Tacoma, WA 98418 - (253) 200-4199 - View Map
- Joe Yi - State Farm Insurance Agent
7803 Pacific Ave a - Tacoma, WA 98408 - (253) 475-1100 - View Map
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.
- Roe Insurance Services LLC
7642 Pacific Ave - Tacoma, WA 98408 - (253) 472-3977 - View Map
- Sound Pacific Insurance
4218 S Steele St #300 - Tacoma, WA 98409 - (253) 237-9009 - View Map
- W Insurance Group
1007 Pacific Ave - Tacoma, WA 98402 - (253) 382-2100 - View Map
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.
Here are some questions about coverages that might help in determining if your insurance needs might need an agent's assistance.
- Exactly who is provided coverage by my policy?
- Do I need replacement cost coverage on my Honda Accord?
- I have a DUI can I still get coverage?
- What does medical payments coverage do?
- Are my friends covered when driving my Honda Accord?
- What are good deductibles for a Honda Accord?
- What if an uninsured driver hits me?
- Do I need rental car coverage?
- Are split liability limits better than a combined single limit?
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.
- Bodily Injury Coverage (Liberty Mutual)
- What Car Insurance is Cheapest in Sammamish, Washington? (FAQ)
- Who Has Affordable Washington Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota RAV4 in Washington? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Under 21 in Washington? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Older Driver Statistics (Insurance Information Institute)