Best Honda Accord Insurance in San Jose

Insurance quote for Honda Accord in San JoseWould you like to find the cheapest auto insurance rates in San Jose, CA? San Jose consumers have many options when looking for the lowest priced Honda Accord insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to make rate comparisons.

There is a better way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a new or used Honda and obtain the cheapest rates from San Jose insurance agents and online providers.

Consumers should take time to do rate comparisons every six months because prices are adjusted regularly by insurance companies. Just because you found the best rate on Honda Accord insurance in San Jose a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

Our goal is to help you learn how car insurance works and some tricks to saving. If you currently have a car insurance policy, you will surely be able to get lower rates using these methods. Smart buyers just need to use the quickest method to compare rate quotes using one simple form.

Best companies for Honda Accord insurance

The car insurance companies shown below offer price comparisons in San Jose, CA. If multiple providers are shown, it’s a good idea that you click on several of them in order to get a fair rate comparison.

Honda Accord insurance analysis

The premium table shown below showcases a range of policy rates for Honda Accord models. Understanding how insurance policy rates are formulated can help customers make smart buying decisions.

Honda Accord Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $176 $336 $488 $28 $146 $1,174 $98
Accord LX 4-Dr Sedan $176 $336 $488 $28 $146 $1,174 $98
Accord EX 4-Dr Sedan $176 $336 $488 $28 $146 $1,174 $98
Accord LX-P 4-Dr Sedan $176 $336 $488 $28 $146 $1,174 $98
Accord LX-P 4-Dr Sedan $176 $336 $488 $28 $146 $1,174 $98
Accord EX-L 4-Dr Sedan $202 $408 $488 $28 $146 $1,272 $106
Accord EX 2-Dr Coupe $202 $482 $650 $38 $194 $1,566 $131
Accord LX-S 2-Dr Coupe $202 $482 $650 $38 $194 $1,566 $131
Accord EX-L 2-Dr Coupe $228 $482 $650 $38 $194 $1,592 $133
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in garaging location in San Jose which can affect prices considerably.

Higher deductibles lower rates

One common question asked by San Jose drivers is which deductible level should you buy. The data tables below show how much more rates are when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Honda Accord insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Honda Accord insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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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-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific zip code location which can decrease or increase rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $16 more each month or $192 annually averaged for all Accord models than opting for the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 16 months between claims, you would most likely save money if you opt for a higher deductible. Here’s a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): – $106
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will necessitate enough disposable income in the event you need to pay the deductible to have repairs made.

Careless San Jose drivers pay higher rates

The illustration below illustrates how traffic citations and accident claims can drive up Honda Accord yearly insurance costs for each different age category. Data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Determine discounts on San Jose insurance

Companies offering auto insurance don’t list the entire discount list in an easy-to-find place, so the below list has both well-publicized and the harder-to-find ways to save on insurance. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.Discount insurance

A quick disclaimer, most of the big mark downs will not be given to the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The illustration below compares Honda Accord insurance costs with and without some available policy discounts. The prices are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

To locate companies offering insurance discounts in San Jose, follow this link.

Insurance is available from your local insurance agencies

Many drivers just want to get professional advice from a licensed agent and that can be a smart move Good insurance agents are very good at helping people manage risk and give you someone to call. One of the best bonuses of getting free rate quotes online is the fact that you can find lower rates but also keep your business local. Buying insurance from local insurance agents is important especially in San Jose.

Insurance agents in San JoseTo help locate an agent, after submitting this simple form, your coverage information is transmitted to companies in San Jose that can provide free San Jose car insurance quotes for your business. There is no reason to contact any insurance agencies because quoted prices will be sent immediately to your email address. If you wish to get a price quote from a particular provider, you just need to navigate to their website and give them your coverage information.

Insurance agent types

If you want to buy insurance from a reliable insurance agency, you must know there are a couple different agency structures and how they are distinctly different. Agents in San Jose are categorized either exclusive or independent agents depending on their company appointments. Either can insure your vehicles, but it’s worth mentioning the difference in how they write coverage because it can factor into the kind of agent you use.

Independent Insurance Agents (or Brokers)

Independent agents are not employed by any specific company so they can quote policies through many companies and possibly get better coverage at lower prices. If they find a lower price, the business is moved internally which makes it simple for you.

When comparing insurance rates, we recommend you get insurance quotes from a couple of independent agencies in order to have the best price comparison. Most also write with smaller companies that may have much lower rates than larger companies.

Listed below is a short list of independent agencies in San Jose that may be able to give comparison quotes.

More San Jose agents

Exclusive Agents

Exclusive agencies generally can only insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. They receive extensive training in insurance sales and that allows them to sell at a higher price point. Consumers often use the same exclusive agent primarily because of the brand and strong financial ratings.

Below are San Jose exclusive agencies that can give you rate quotes.

More San Jose agents

Choosing the best insurance agent should depend on more than just a cheap quote. These are some questions you should get answers to.

If you get good responses as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that meets the criteria to properly insure your vehicles.

Learn about insurance coverages for a Honda Accord

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, hail damage, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liability limits.

Liability coverages – This can cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like bail bonds, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford. California state minimum liability requirements are 15/30/5 but you should consider buying more coverage.

The chart below shows why buying minimum limits may not be adequate coverage.

Collision – This pays for damage to your Accord from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Accord in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like dental work, funeral costs, pain medications, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More comparisons equals cheap rates

People leave their current company for a variety of reasons including poor customer service, policy cancellation, extreme rates for teen drivers and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Cheaper insurance in San Jose is attainable from both online companies and with local San Jose insurance agents, so get free San Jose car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer rates over the internet and usually these regional carriers only sell coverage through independent insurance agents.

How to find discount Honda Accord insurance in San Jose

The most effective way to get the cheapest Honda Accord insurance in San Jose is to compare quotes once a year from different companies in California. You can compare rates by following these steps.

Step 1: Read about coverages and the measures you can control to prevent high rates. Many things that result in higher prices like traffic citations, accidents, and a poor credit rating can be eliminated by being financially responsible and driving safely.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple insurance companies.

Step 3: Compare the new quotes to your current policy premium to determine if you can save on Accord insurance. If you find a better price and switch companies, ensure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy and submit the completed application along with a down payment for your new coverage. Once coverage is bound, keep your new proof of insurance paperwork along with the vehicle’s registration papers.

A tip to remember is to try to use identical coverages on each quote and and to get price estimates from as many carriers as you can. This guarantees an accurate price comparison and a thorough selection of prices.

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