How to Compare Santa Ana Honda Accord Insurance

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Insurance for Honda AccordIt takes a few minutes, but the best way to find the cheapest price for auto insurance rates in Santa Ana is to compare prices once a year from insurance carriers who provide car insurance in California.

  1. Gain an understanding of individual coverages and the measures you can take to keep rates low. Many things that cause high rates such as careless driving and poor credit rating can be controlled by making small lifestyle or driving habit changes. This article provides instructions to lower rates and get additional discounts that may be available.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple companies. Get quotes now
  3. Compare the price quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current agent or company to cancel your current coverage. Submit a signed application and payment to the newly selected company. Make sure you put the proof of insurance certificate in an accessible location in your vehicle.

One thing to point out is to use the same deductibles and limits on each quote request and and to compare as many different companies as possible. Doing this guarantees a fair rate comparison and a good representation of prices.

Unfortunately, a large majority of drivers have been with the same company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. With the average car insurance premium being $1,387, Santa Ana drivers could save 35% a year by just comparing quotes, but they just don't understand the amount of savings they would get if they replace their high priced policy.

Companies offering low-cost Honda Accord rate quotes in Santa Ana, CA

The companies shown below provide quotes in Santa Ana, CA. If multiple companies are shown, it's highly recommended you visit as many as you can to find the most affordable car insurance rates.

Honda Accord detailed coverage information

The rate information displayed below outlines a range of insurance premium costs for Honda Accord models. Learning how car insurance prices are figured can assist in making smart choices when selecting a policy.

Honda Accord Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $258 $480 $360 $22 $108 $1,228 $102
Accord EX 4-Dr Sedan $258 $480 $360 $22 $108 $1,228 $102
Accord LX-P 4-Dr Sedan $258 $480 $360 $22 $108 $1,228 $102
Accord EX-L 4-Dr Sedan $296 $584 $360 $22 $108 $1,370 $114
Accord EX 2-Dr Coupe $296 $688 $480 $28 $144 $1,636 $136
Accord LX-S 2-Dr Coupe $296 $688 $480 $28 $144 $1,636 $136
Accord EX-L 2-Dr Coupe $334 $688 $480 $28 $144 $1,674 $140
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in zip code location which can lower or raise rates significantly.

Where to set your deductibles

A question often asked by Santa Ana drivers is how high or low should comp and collision deductibles be. The following insurance rates may help you to understand the price difference when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Honda Accord insurance 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 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 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 rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX-P 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX-L 4-Dr Sedan $210 $362 $376 $22 $112 $1,082 $90
Accord EX 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord LX-S 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord EX-L 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific garaging location which can change price quotes significantly.

Based on this data, using a $100 deductible could cost the average driver approximately $42 more each month or $504 each year averaged for all Accord models than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 21 months between claims, you would most likely save money if you decide on a higher deductible.

The chart below illustrates how your choice of deductibles and can influence Honda Accord insurance costs for different categories of driver ages. The rates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Insurance rates are higher with tickets and accidents

The information below demonstrates how traffic citations and at-fault collisions can raise Honda Accord insurance premiums for each age group. The information is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Full coverage versus liability-only in Santa Ana

The information below visualizes the comparison of Honda Accord car insurance costs with and without full coverage. The premiums assume no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive formula to eliminate full coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's assume your Honda Accord claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the deductible is paid. If premium cost is more than $600 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Get cheap Honda Accord insurance in Santa Ana with discounts

The price of auto insurance can be rather high, but you may qualify for discounts that can dramatically reduce your bill. Most are applied at the time of quoting, but some may not be applied and must be specifically requested before being credited.Car insurance discounts

  • Theft Deterrent Discount - Vehicles optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Service Members Pay Less - Being deployed in the military could qualify you for better premium rates.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Safe Drivers - Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Data Collection Discounts - Insureds who allow driving data collection to study when and where they use their vehicle by using a telematic data system such as Allstate's Drivewise and State Farm's In-Drive system may get a rate reduction if they have good driving habits.
  • Discount for Swiching Early - A few companies allow discounts for switching to them prior to your current Accord insurance policy expiration. It can save you around 10%.
  • New Car Discount - Buying insurance coverage on a new vehicle can save up to 30% because newer models keep occupants safer.
  • Braking Control Discount - Cars and trucks with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Driver's Education for Students - It's a good idea to have your young drivers participate in a local driver's education class in school.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, company stockholders wouldn't be very happy.

The information below illustrates the difference between Honda Accord auto insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, multi-policy, and safe-driver discounts applied.

A few of the larger companies and some of the premium reductions they offer are included below.

  • 21st Century offers premium reductions for automatic seat belts, theft prevention, homeowners, driver training, and early bird.
  • State Farm may include discounts for accident-free, good driver, good student, defensive driving training, and Drive Safe & Save.
  • AAA has discounts for good driver, good student, education and occupation, pay-in-full, and multi-policy.
  • Liberty Mutual may have discounts that include preferred payment discount, multi-car, newly retired, hybrid vehicle, new graduate, and newly married.
  • Progressive has savings for online quote discount, homeowner, online signing, good student, continuous coverage, and multi-policy.

Before purchasing a policy, check with every company to give you their best rates. Some discounts listed above may not apply to policyholders everywhere. To locate car insurance companies offering car insurance discounts in California, click here.

You Can Change Your Insurance Prices

It's important that you understand the factors that are used to determine the rates you pay for auto insurance. When you understand what impacts premium levels, this enables informed choices that could help you find big savings.

Decrease auto insurance rates by maintaining coverage - Driving without insurance is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.

Pay more if you have a long commute - Living in small towns and rural areas can save you money when it comes to auto insurance. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. People who live in big cities have to deal with more auto accidents and higher rates of accident claims. Spending more time driving means more chance of being in an accident.

Drive less and pay lower prices - The more miles you rack up on your Honda in a year the higher your rate. The majority of insurers calculate rates partially by how you use the vehicle. Autos that do not get driven very much cost less to insure than vehicles that have high annual mileage. Incorrect rating for your Accord can result in significantly higher rates. It's always a good idea to double check that your declarations sheet states the right rating data.

How many coverages with the same company - Most major auto insurance companies provide a discount to buyers who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, you still need to compare other company rates to confirm you are receiving the best rates possible.

Extra policy coverages could be costing you - There are a lot of extra bells and whistles you can purchase if you don't pay attention. Coverage for things like replacement cost coverage, accident forgiveness, and term life insurance are probably not needed. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.

High physical damage deductibles cost less - Deductibles for physical damage state the amount of money you are required to spend in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage caused by hail, and damage from wind. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Frequent insurance claims increase auto insurance rates - If you're an insured who likes to file claims you can look forward to either higher rates or even cancellation. Companies in California provide better rates to people who only file infrequent claims. Auto insurance is designed for claims that you cannot pay yourself.

Insurance rates and driver gender - Statistics have proven females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Males and females cause at-fault accidents in similar numbers, but the men tend to have higher claims. Men also get more serious tickets like DWI (DUI) or reckless driving.

The information below illustrates the difference between Honda Accord insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.

Honda Accord claim statistics - Insurance companies analyze past claim statistics to calculate a rate that will offset losses. Vehicles that the data determines to have higher claim frequency or loss amount will be charged more to insure. The table below demonstrates the historical insurance loss data for Honda Accord vehicles.

For each policy coverage, the claim probability for all vehicles, as an average, is equal to 100. Values under 100 indicate a favorable loss history, while percentage values above 100 point to more frequent losses or an increased probability of a larger loss.

Insurance Loss Ratings for Honda Accord Vehicles
Vehicle Make and 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

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local agents and auto insurance

Some people still like to get professional advice from a licensed agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you can get cheap rate quotes but also keep your business local.

Insurance agents in Santa AnaTo make it easy to find an agent, after completing this simple form, the quote information is immediately sent to insurance agents in Santa Ana who will return price quotes for your auto insurance coverage. It makes it easy because there is no need to search for an agent since rate quotes are delivered instantly to you. You'll get the best rates without the usual hassles of price shopping. If you need to compare rates for a specific company, don't hesitate to find their quoting web page and give them your coverage information.

Picking the best company is decision based upon more than just the price. These are some questions you should get answers to.

  • How much will you save each year by using a higher deductible?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If your car is totaled, how to they determine the replacement cost?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How are claims handled?

Smart consumers save more

Insureds leave their current company for a variety of reasons including policy non-renewal, unfair underwriting practices, delays in responding to claim requests and extreme rates for teen drivers. Whatever your reason, switching companies can be easier than you think.

You just learned many tips how you can find affordable Honda Accord insurance in Santa Ana. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Honda Accord insurance quotes. You may even be surprised to find that the best price on auto insurance is with a smaller regional carrier.

Budget-conscious Honda Accord insurance can be found online as well as from independent agents in Santa Ana, so you need to quote Santa Ana car insurance with both to get a complete price analysis. Some auto insurance companies may not offer internet price quotes and most of the time these regional insurance providers prefer to sell through independent agencies.

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