If you want to save money, the best way to save on Honda Accord insurance is to compare prices annually from companies in Bakersfield.
First, try to comprehend how companies set rates and the things you can control to keep rates low. Many factors that increase rates like traffic tickets, fender benders, and poor credit can be remedied by making minor driving habit or lifestyle changes.
Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agencies can quote prices for a wide range of companies. View a list of agents
Third, compare the quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
Fourth, give notification to your current company of your intent to cancel your current car insurance policy and submit a down payment along with a completed application to the newly selected company. When you receive it, store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is to make sure you enter the same amount of coverage on every price quote and and to get price estimates from as many car insurance companies as possible. This enables an apples-to-apples comparison and and a good selection of different prices.
Sadly, nearly 70% of drivers kept their coverage with the same auto insurance company for at least four years, and almost half have never even compared rates from other companies. With the average premium in California being $1,400, drivers could pocket roughly $500 a year, but they underestimate the rate savings if they switch to a new company.
The majority of larger companies such as Allstate, GEICO and Progressive allow consumers to get insurance quotes directly from their websites. Obtaining pricing for Honda Accord insurance in Bakersfield is quite simple as you simply enter the coverages you want as requested by the quote form. Once entered, the quote system will obtain information on your driving record and credit history and returns a price based on the data you entered. Getting online quotes for Honda Accord insurance in Bakersfield makes comparing rates easy, and it’s absolutely necessary to do this in order to find a lower rate.
In order to compare rates using this form now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you complete the form with the coverage information identical to your current policy. This ensures you’re receiving rate quotes using the same coverage and limits.
The companies shown below are ready to provide price comparisons in California. If multiple companies are listed, we recommend you get rate quotes from several of them to get the most competitive price.
Insurance statistics and figures
The information displayed next showcases different insurance costs for Honda Accord models. Knowing how premiums are determined can be useful when making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$284||$554||$394||$24||$118||$1,374||$115|
|Accord EX 4-Dr Sedan||$284||$554||$394||$24||$118||$1,374||$115|
|Accord LX-P 4-Dr Sedan||$284||$554||$394||$24||$118||$1,374||$115|
|Accord EX-L 4-Dr Sedan||$326||$672||$394||$24||$118||$1,534||$128|
|Accord EX 2-Dr Coupe||$326||$792||$524||$32||$156||$1,830||$153|
|Accord LX-S 2-Dr Coupe||$326||$792||$524||$32||$156||$1,830||$153|
|Accord EX-L 2-Dr Coupe||$370||$792||$524||$32||$156||$1,874||$156|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in zip code location which can modify price quotes noticeably.
Responsible drivers pay cheaper insurance rates
The illustration below demonstrates how traffic citations and at-fault claims can drive up Honda Accord car insurance costs for different age groups. Data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Gender differences in insurance premiums
The example below shows the difference between Honda Accord insurance rates for male and female drivers. The prices are based on no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Full coverage or liability only
The example below shows the difference between Honda Accord car insurance costs with full coverage and liability only. The premiums are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact rule to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Honda Accord claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying your deductible. If it’s costing in excess of $800 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some scenarios where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Affordable Honda Accord insurance in Bakersfield
Car insurance is neither fun to buy or cheap, but you may be missing some discounts to reduce the price significantly. A few discounts will be applied when you quote, but some must be specifically requested prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.
- Savings for New Vehicles – Buying a new car model is cheaper compared to insuring an older model.
- Discounts for Multiple Vehicles – Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
- Bakersfield Homeowners Pay Less – Owning a home in Bakersfield can earn you a little savings because owning a home shows financial diligence.
- Anti-theft Discount – Cars and trucks that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
- Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20% or more.
- E-sign – Many car insurance companies will discount your bill up to fifty bucks get Bakersfield car insurance on their website.
- First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will let one accident slide before raising your premiums so long as you are claim-free for a particular time prior to the accident.
Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.
The chart below shows the comparison of Honda Accord auto insurance rates with and without policy discounts. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, safe-driver, and marriage discounts applied.
To choose companies with discount rates in California, follow this link.
Car insurance is not optional
Despite the high cost of buying insurance for a Honda Accord in Bakersfield, buying car insurance may be required and benefits you in several ways.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Accord, most lenders will require you to carry insurance to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Honda at a significantly higher premium and force you to reimburse them much more than you were paying before.
- Insurance protects not only your Honda but also your assets. It will also reimburse you for medical bills that are the result of an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in California is overpaying over $865 each year so smart consumers compare quotes every year to save money.
You may need help from an insurance agent
Many people still prefer to talk to an insurance agent and often times that is recommended Most agents are trained to spot inefficiencies and will help you if you have claims. A good thing about comparing insurance prices online is that you can find cheaper premium rates but also keep your business local. Supporting neighborhood agents is still important in Bakersfield.
Upon completion of this simple form, the quote information is emailed to companies in Bakersfield who will give you bids for your business. It makes it easy because there is no need to leave your computer due to the fact that quote results will go to you directly. If you need to quote rates from a particular provider, you just need to search and find their rate quote page and fill out their quote form.
If you are searching for a local agent, there are a couple of types of agencies and how they are slightly different. Auto insurance policy providers can be categorized as either exclusive or independent (non-exclusive). Either type can handle auto insurance, but it’s good to learn the differences since it could factor into the kind of agent you use.
Independent Insurance Agents
Independent agencies are not locked into one company and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparing auto insurance rates, we highly recommend that you include independent agents so that you have a good selection of quotes to compare.
Featured below is a small list of independent insurance agencies in Bakersfield that may be able to give rate quotes.
Exclusive Auto Insurance Agents
Agents of this type can only write with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. They are highly trained in insurance sales and that allows them to sell at a higher price point.
Listed below are exclusive agencies in Bakersfield that are able to give price quotes.
James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266 – View Map
Deciding on an insurance agency requires you to look at more than just the price. Ask your prospective agent these questions:
- Are they full-time agents?
- Is every driver in your family covered?
- Can you use your own choice of collision repair facility?
- Does the quote include credit and driving reports?
- Do they have a Better Business Bureau rating in Bakersfield?
- How long has the business existed?