Being forced to pay for overpriced insurance premiums can dry up your funds and require stricter spending habits.
Amazingly, almost 70% of drivers have stayed with the same insurance company for a minimum of four years, and roughly 40% of drivers have never even shopped around for cheaper coverage. Houston consumers can cut their rates by as much as $1,800 a year just by getting comparison quotes, but they just don’t understand the large savings they would see if they changed companies. There are many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to locate the cheapest rates for Honda Accord insurance in Houston.
Consumers need to price shop coverage quite often due to the fact that insurance prices fluctuate regularly. If you had the best price on Honda Accord insurance in Houston at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to show you how to quote online to lower your annual insurance bill.
This information will introduce you to how car insurance companies work. If you have coverage now, you stand a good chance to be able to save money using the tips covered below. Drivers just need to use the most time-saving way to compare rates instantly.
The best way we recommend to compare policy rates for Honda Accord insurance in Houston is to know the fact most of the larger companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is give the companies some data such as if it has an anti-theft system, the make and model of your vehicles, how much coverage you want, and if you require a SR-22. Your information is instantly submitted to insurance carriers in your area and they provide comparison quotes with very little delay.
To get price quotes for your Honda Accord now, click here and enter your coverage details.
The companies shown below can provide price quotes in Texas. If the list has multiple companies, we suggest you visit several of them to find the cheapest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $222 | $414 | $310 | $18 | $94 | $1,058 | $88 |
| Accord LX 4-Dr Sedan | $252 | $468 | $392 | $24 | $118 | $1,254 | $105 |
| Accord EX 4-Dr Sedan | $292 | $408 | $424 | $26 | $128 | $1,278 | $107 |
| Accord LX-P 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,104 | $92 |
| Accord LX-P 4-Dr Sedan | $156 | $294 | $392 | $24 | $118 | $984 | $82 |
| Accord EX-L 4-Dr Sedan | $282 | $580 | $340 | $20 | $102 | $1,324 | $110 |
| Accord EX 2-Dr Coupe | $282 | $684 | $486 | $28 | $146 | $1,626 | $136 |
| Accord LX-S 2-Dr Coupe | $374 | $698 | $564 | $34 | $168 | $1,838 | $153 |
| Accord EX-L 2-Dr Coupe | $318 | $718 | $486 | $28 | $146 | $1,696 | $141 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease premiums significantly.
Honda Accord insurance premiums by gender and age
The chart below visualizes the comparison of Honda Accord premium costs for male and female drivers. The price estimates are based on no claims or violations, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Higher deductibles lower rates
When comparing auto insurance rates, the most common question is which deductible level should you buy. The rates shown below may help to illustrate how much more rates are when you choose different physical damage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Accord LX 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Accord EX 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Accord LX-P 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Accord LX-P 4-Dr Sedan | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Accord EX-L 4-Dr Sedan | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Accord EX 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Accord LX-S 2-Dr Coupe | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Accord EX-L 2-Dr Coupe | $332 | $584 | $430 | $26 | $128 | $1,525 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Accord LX 4-Dr Sedan | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Accord EX 4-Dr Sedan | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Accord LX-P 4-Dr Sedan | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Accord LX-P 4-Dr Sedan | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Accord EX-L 4-Dr Sedan | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Accord EX 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Accord LX-S 2-Dr Coupe | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Accord EX-L 2-Dr Coupe | $206 | $368 | $430 | $26 | $128 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific location which can modify rates considerably.
Based on this data, using a $250 deductible will cost in the ballpark of $26 more each month or $312 each year than choosing the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 29 months between claims, you would save more money if you elect the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $106 |
| Average monthly premium for $1,000 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
Rate comparison for different deductibles
The example below shows how choosing a deductible and can affect Honda Accord premium costs for different age groups of insureds. The data assumes a married male driver, full coverage, and no discounts are applied.
Save money with these price cutting discounts
Companies don’t always advertise every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known credits available to lower your premiums when you buy Houston car insurance online. If you are not receiving all the discounts you qualify for, you could be saving more on your car insurance.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing on your computer.
- Discount for Good Grades – Getting good grades may save you up to 25%. The discount lasts up until you turn 25.
- Multi-policy Discount – If you can combine your home and auto policy with one company you may earn over 10 percent off each policy depending on the company.
- Military Discounts – Having a family member in the military could mean lower rates.
- Switch and Save Discount – A few companies give discounts for buying a new policy before your current Accord insurance policy expires. You can save around 10% with this discount.
- Anti-lock Brake Discount – Cars that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if it’s offered in school.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.
For a list of insurance companies that have a full spectrum of discounts in Houston, follow this link.
Why you need insurance for your Honda Accord
Even though Houston Accord insurance rates can get expensive, buying insurance may not be optional for several reasons.
First, almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it’s most likely the lender will make it mandatory that you have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Honda at a significantly higher premium and require you to pay for the expensive policy.
Third, insurance protects not only your Honda Accord but also your financial assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your Accord are definitely more than the cost, especially for larger claims. But the average American driver is wasting up to $830 a year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.
Comparing prices from local Houston car insurance agents
Certain consumers would prefer to visit with an insurance agent and often times that is recommended Good insurance agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of comparing insurance online is you may find cheaper prices and still choose a local agent. Buying insurance from local insurance agencies is definitely important in Houston.
To help locate an agent, after submitting this form (opens in new window), your insurance data is transmitted to insurance agents in Houston who will give competitive quotes for your business. You won’t need to search for any insurance agencies as quotes are delivered instantly to you. If you have a need to get a rate quote from one company in particular, you can always go to their quote page and give them your coverage information.
If you need to find a good insurance agency, it’s helpful to know the types of agencies and how they can quote your rates. Insurance policy providers are categorized either independent or exclusive. Either one can provide insurance policies, but it is important to understand how they differ since it may influence the kind of agent you use.
Independent Insurance Agencies or Brokers
Independent agencies can sell policies from many different companies so as a result can place your coverage with multiple insurance companies and get the cheapest rates. If your premiums go up, they simply move the coverage in-house and the insured can keep the same agent. If you are comparing insurance prices, you should always include at least one independent agent so that you can do a thorough price comparison.
Below is a list of independent insurance agents in Houston that can give you free insurance quotes.
Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map
Suzanne Brown Agency-Insurance
11999 Katy Fwy #635 – Houston, TX 77079 – (281) 558-2210 – View Map
Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums.
Listed below is a short list of exclusive agencies in Houston that are able to give price quote information.
Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map
Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
Finding a good auto insurance agent needs to be determined by more than just the premium amount. Below are some questions you should ask.
- Who is covered by the car insurance policy?
- Does the company have a local claim office in Houston?
- Is the coverage adequate for your vehicle?
- Will the quote change when the policy is issued?
- If they are an independent agency in Houston, which companies do they recommend?
- If you have an accident, will your rates go up?
After talking to the agent and getting reasonable responses to any questions you may have as well as inexpensive Honda Accord insurance in Houston quotes, it’s a good possibility that you have found an auto insurance agent that can be relied on to adequately provide insurance.