Best Honda Accord Insurance in Scottsdale

Want to learn the secrets to finding low-cost Honda Accord insurance in Scottsdale? Are you kicking yourself for buying an overpriced auto insurance policy? Believe me when I say many Scottsdale drivers feel the same as you.

Unbelievable but true, a large majority of auto insurance policyholders have been with the same company for over three years, and 38% of drivers have never compared quotes from other companies. Arizona insurance shoppers could pocket 50% a year by just shopping around, but they don’t believe the amount of savings they would get if they changed companies.

You have so many insurance companies to buy insurance from, and though it is a good thing to have a choice, it makes it harder to adequately compare rates for Honda Accord insurance in Scottsdale.

The most recommended method to compare rates for Honda Accord insurance in Scottsdale is to know the fact most larger insurance companies will pay a fee to give you rate quotes. The one thing you need to do is provide the companies a bit of rating information such as daily mileage, driver details, if you went to college, and if you lease or own. Your rating data is instantly sent to insurance companies and they return cost estimate with very little delay.

If you would like to start a quote now, click here and complete the quick form.

The providers in the list below are ready to provide quotes in Scottsdale, AZ. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the best price comparison.

These discounts can cut Honda Accord insurance rates

Auto insurance companies don’t always advertise all discounts very clearly, so the below list has both well-publicized and also the lesser-known discounts that you may qualify for. If you do not double check each discount available, you could be saving more on your insurance.

• Telematics Data Discounts – Insureds who allow their insurance company to scrutinize their driving habits by using a telematic data system like Allstate’s Drivewise could save a few bucks if they have good driving habits.
• Multiple Policy Discount – If you can bundle your home and auto insurance with the same insurance company you could earn a discount of at least 10% off all policies.
• Good Student – Being a good student may save as much as 25% on a Scottsdale car insurance quote. The discount lasts well after school through age 25.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
• Multi-Vehicle Discounts – Having multiple cars or trucks with the same insurance company can get a discount for every vehicle.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
• Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease with a few insurance companies.

Don’t be surprised that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free insurance policy, it doesn’t quite work that way.

The information below shows the difference between Honda Accord insurance premiums with and without policy discounts. The costs are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, claim-free, and multi-car discounts applied.

To see a list of companies with discount rates in Arizona, click this link.

Coverage analysis

The coverage information displayed below outlines a range of insurance coverage prices for Honda Accord models. Having knowledge of how prices are established can help you make smart choices when comparing insurance quotes.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in Scottsdale location which can decrease or increase price quotes considerably.

Where to set your deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The tables below outline the rate difference between low and high insurance deductibles. The first rate comparisons uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in your specific Scottsdale location which can lower or raise coverage prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $21 more each month or $252 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 36 months between claims, you would save more money if you opt for a higher deductible.

Drive safe and save

The diagram below highlights how traffic violations and accidents can affect Honda Accord insurance premiums for each age group. The costs are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Annual premiums for males compared to females

The diagram below visualizes the comparison of Honda Accord insurance costs for male and female drivers. The information is based on no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Full coverage versus liability-only in Scottsdale

The illustration below compares Honda Accord insurance prices with full coverage compared to only the Arizona minimum liability coverage. The premiums assume no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.

When to eliminate full coverage

There is no exact rule of when to eliminate physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s assume your Honda Accord book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $7,000 after you pay the deductible. If premiums are more than $700 a year for full coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Why You Might Pay Lower Rates in Scottsdale

Many things are used when you quote your car insurance policy. Some are obvious like your driving record, but some are less obvious like your vehicle usage and annual miles driven. Smart consumers have a good feel for a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can earn you cheaper rates.

The itemized list below are some of the factors used by insurance companies to determine premiums.

Performance makes a difference – The type of vehicle you are trying to find cheaper insurance for makes a big difference in your premium level. The cheapest rates are for the lowest performance passenger models, but your final cost has many other factors.

The chart below assumes a married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Honda Accord car insurance rates compared to other models that have different performances.

Where you reside – Having an address in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. People in densely populated areas tend to have more aggressive driving styles and more severe claims. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims.

Consider raising deductibles – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Honda. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. Physical damage deductibles define how much you are willing to pay if a claim is determined to be covered. The more damage repair cost you choose to pay out-of-pocket, the less your car insurance will be.

Save money by having multiple policies – Lots of companies allow discounts for people who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount drivers will still want to compare other Scottsdale Accord insurance rates to guarantee you are still saving the most.There is a chance you can find lower rates by insuring with multiple companies.

Loss statistics for a Honda Accord – Insurance companies use historical loss data to determine a price that will be profitable for them. Vehicles that tend to have a trend towards higher claim severity or frequency will cost more to insure.

The table shown below demonstrates the loss history for Honda Accord vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is represented as 100. Numbers that are below 100 indicate better than average losses, while values that are 100 or greater indicate more frequent losses or a tendency for claims to be larger.

Get rate quotes but still have a local Scottsdale insurance agency

A lot of people would rather go talk to an agent and that is recommended in a lot of cases One of the benefits of getting online price quotes is you can get cheap insurance quotes but also keep your business local.

By using this form (opens in new window), your insurance coverage information is emailed to agents in your area that can provide free Scottsdale car insurance quotes and help you find cheaper coverage. There is no reason to find an agent since rate quotes are delivered immediately to you. You can find the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote from a specific insurance company, feel free to go to their quote page and complete a quote there.

Choosing the best insurer should depend on more than just the premium amount. These are some valid questions you should ask.

• Does the agent have professional designations like CIC, CPCU or AIC?
• How much will you save each year by using a higher deductible?
• Are claims handled at the agent’s location?
• Will the agent help in case of a claim?
• Did they already check your driving record and credit reports?
• How much experience to they have in personal lines coverages?
• Which companies can they place coverage with?

Exclusive or Independent: There is a difference

If you are wanting to find a local agent, it’s helpful to know the different agency structures and how they can quote your rates. Insurance agencies can be classified as either exclusive agents or independent agents.

Exclusive Insurance Agencies

Agents of this type can only quote rates from one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide rate quotes from other companies so they really need to provide good service. They receive extensive training on the products they sell and that can be a competitive advantage.

Shown below is a short list of exclusive agencies in Scottsdale that are able to give comparison quotes.

More Scottsdale agents

Independent Agents (or Brokers)

Independent insurance agents are not limited to a single company so they can write business with many different companies and find the cheapest insurance rates. If premiums increase, they simply move your policy to a different company which requires no work on your part. When comparing insurance prices, we recommend you get insurance quotes from a few independent agents in order to have the best price comparison.

The following is a list of independent insurance agencies in Scottsdale that can give you rate quotes.

More Scottsdale agents

You may need specialized insurance coverage

When quoting and comparing a policy, there really is no cookie cutter policy. Everyone’s situation is unique and your insurance should unique, too.
Here are some questions about coverages that might help in determining if you might need professional guidance.

• What states are considered no-fault?
• What policy terms are available?
• Do I need medical payments coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I rate my vehicle as business use?
• What if I total my Honda Accord and owe more than it’s worth?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

You can find affordable coverage

You just learned a lot of ways to shop for Honda Accord insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best prices are with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

As you quote Scottsdale car insurance, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

How to quote cheaper Honda Accord insurance in Scottsdale

If your goal is the lowest price, then the best way to get discount Honda Accord insurance is to compare prices once a year from providers that sell auto insurance in Scottsdale.

Step 1: Try to understand how auto insurance works and the factors you can control to prevent expensive coverage. Many rating factors that result in higher rates like accidents, careless driving, and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can quote rates from many different companies.

Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on Accord insurance. If you can save money and make a switch, make sure there is no lapse in coverage.

Step 4: Tell your current company of your decision to cancel your current policy and submit payment and a completed application to your new agent or company. Once received, place your new certificate verifying proof of insurance in your vehicle.

The most important part of this process is to try to use similar limits and deductibles on every quote request and and to look at as many companies as feasibly possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.

Additional detailed information can be found in these articles:

• Keeping Children Safe in Crashes Video (iihs.org)
• Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Scottsdale? (FAQ)
• What Auto Insurance is Cheapest for a Ford F-150 in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding your Policy (NAIC.org)