How to Compare Dallas Honda Accord Insurance

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Insurance rates Honda Accord in DallasDo you need a fast way to compare cheaper Honda Accord insurance in Dallas? Purchasing the cheapest Dallas Honda Accord insurance quotes may seem to be somewhat difficult for drivers who are beginners to quoting and buying insurance on the internet. With so many insurers to choose from, how can anyone have the ability to compare every one to find the lowest price available?

How to save money on Honda Accord insurance in Dallas

The best way we recommend to get the cheapest Honda Accord insurance in Dallas is to compare quotes annually from companies who sell insurance in Texas.

  1. Read about policy coverages and the factors you can control to keep rates in check. Many policy risk factors that result in higher prices like distracted driving and a poor credit rating can be remedied by paying attention to minor details.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple companies. Select a company
  3. Compare the quotes to the premium of your current policy to see if cheaper Accord coverage is available in Dallas. If you find a better price and switch companies, make sure coverage does not lapse between policies.

An important part of this process is that you'll want to make sure you compare the same level of coverage on each price quote and and to get price estimates from all possible companies. Doing this provides an accurate price comparison and a complete rate analysis.

Unfortunately, a large majority of drivers renewed their policy with the same company for at least four years, and virtually 40% of consumers have never compared rate quotes at all. Drivers in Dallas could save an average of as much as $1,770 each year by just comparing quotes, but they just don't understand how much savings they would realize if they switched to a more affordable policy.

It's a good habit to check car insurance prices periodically since insurance prices are usually higher with each renewal. Even if you got the lowest rates on Honda Accord insurance in Dallas a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you're about to find out the proper way to find the best coverage while lowering your premiums.

Finding affordable car insurance coverage in Dallas can initially seem challenging. If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper car insurance using this strategy. Nevertheless, Texas drivers do need to understand how insurance companies calculate their prices and take advantage of how the system works.

Low Cost auto insurance in Dallas, TX

The companies shown below are ready to provide free quotes in Dallas, TX. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.

Honda Accord insurance charts and tables

The rate information shown below showcases estimates of insurance premium costs for Honda Accord models. Being more informed about how auto insurance premiums are established helps drivers make smart choices when selecting a coverage provider.

Honda Accord Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord LX 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord EX 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord LX-P 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord LX-P 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord EX-L 4-Dr Sedan $286 $486 $330 $20 $98 $1,220 $102
Accord EX 2-Dr Coupe $286 $572 $440 $26 $132 $1,456 $121
Accord LX-S 2-Dr Coupe $286 $572 $440 $26 $132 $1,456 $121
Accord EX-L 2-Dr Coupe $322 $572 $440 $26 $132 $1,492 $124
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can raise or lower rates significantly.

Can higher deductibles save money?

One common question asked by Dallas drivers is how high or low should comp and collision deductibles be. The rates shown below approximate the premium difference when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Honda Accord insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord EX 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX-P 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord LX-P 4-Dr Sedan $286 $486 $324 $20 $96 $1,237 $103
Accord EX-L 4-Dr Sedan $328 $592 $324 $20 $96 $1,385 $115
Accord EX 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Accord LX-S 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Accord EX-L 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord EX 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX-P 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord LX-P 4-Dr Sedan $208 $328 $324 $20 $96 $976 $81
Accord EX-L 4-Dr Sedan $240 $400 $324 $20 $96 $1,080 $90
Accord EX 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Accord LX-S 2-Dr Coupe $240 $472 $430 $26 $128 $1,296 $108
Accord EX-L 2-Dr Coupe $270 $472 $430 $26 $128 $1,326 $111
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in Dallas location which can alter rates considerably.

Based on the above data, using a $100 deductible costs an average of $25 more each month or $300 every year than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 16 months between claims, you would probably be better off by selecting a higher deductible.

Tickets and at-fault accidents raise rates

The chart below demonstrates how speeding tickets and accidents can affect Honda Accord auto insurance costs for different categories of driver ages. The data assumes a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

Find Cheap Auto Insurance with These Tips

An important part of buying insurance is that you know some of the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can earn you cheaper rates. Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but others are not quite as obvious like your continuous coverage or your commute time.

Listed below are most of the major factors used by insurance companies to determine rates.

  • Performance influences insurance rates - The performance of the vehicle you drive makes a huge difference in the rate you pay. The best insurance prices are generally reserved for lower performance four cylinder passenger cars, but your final cost has many other factors.

    The data below uses these assumptions: single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Honda Accord insurance rates compared to other models of vehicles that have a range of risk factors.

  • Women tend to take less risk - The statistics show females are less aggressive when driving. However, don't assume that men are WORSE drivers than women. Females and males cause auto accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers are most likely to cause an accident so it costs more to insure them.

    The example below compares Honda Accord yearly insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, single status, and no policy discounts are applied.

  • Experienced drivers save more - Youthful drivers in Texas are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher. Older people are proven to be safer behind the wheel, tend to cause fewer accidents, and are generally more financially stable.

    The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Additional coverages that may be costing you - Policies have extra add-on coverages that can add up if you aren't diligent. Add-on coverages like personal injury protection, high-cost glass coverage, and membership fees are examples of these. You may think they are a good idea when you first buy your policy, but if you don't need them get rid of them and save.
  • Drive less and pay lower prices - The higher the miles on your Honda annually the higher your rate. A lot of companies apply a rate based upon how you use the vehicle. Vehicles that have low annual miles receive lower rates compared to those used for work or business. It's a smart idea to ensure your policy states the proper vehicle usage. Incorrect rating for your Accord is just wasting money.
  • Insurance loss data for a Honda Accord - Companies use past insurance losses to calculate a price that will offset any claims. Vehicles that are shown to have a higher amount or frequency of claims will have higher rates for specific coverages.

    The next table shows the insurance loss data for Honda Accord vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers that are below 100 indicate better than average losses, while values over 100 point to more claims or tendency to have higher losses.

    Car Insurance Loss Data for Honda Accord Models
    Specific Honda 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
    BETTER
    AVERAGE
    WORSE

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

Take policy discounts and save on Honda Accord insurance in Dallas

Some insurers don't always list every discount very clearly, so the following is a list of a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Dallas auto insurance online.Insurance discounts

  • E-sign - Many companies will discount your bill up to fifty bucks for signing up on their website.
  • Seat Belt Discounts - Forcing all vehicle occupants to wear their seat belts can save up to 15% off PIP or medical payments premium.
  • Theft Deterrent System - Cars with anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Auto/Home Discount - When you combine your auto and homeowners insurance with one company you will save as much as 10 to 15 percent.
  • Savings for New Vehicles - Buying insurance coverage on a new vehicle can get you a discount compared to insuring an older model.

Keep in mind that some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down your overall bill.

The information below shows the difference between Honda Accord annual premium costs with and without discounts applied. The rates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

To choose insurers who offer discounts in Texas, click here to view.

Comparing rates from local Dallas car insurance agents

Some consumers just want to buy from a licensed agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is you may find cheap car insurance rates and also buy local.

Insurance agency in DallasAfter completing this form (opens in new window), your coverage information is transmitted to local insurance agents in Dallas who can give free rate quotes for your car insurance coverage. There is no need to visit any agencies because quoted prices will be sent to you instantly. You can most likely find cheaper rates and a licensed agent to talk to. If you want to quote rates from a particular provider, you can always find their quoting web page and give them your coverage information.

Finding the right provider should include more criteria than just the quoted price. These are some questions your agent should answer.

  • Do they review policy coverages at every renewal?
  • Do you work with a CSR or direct with the agent?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are they properly licensed to sell insurance in Texas?
  • Did they already check your driving record and credit reports?

Exclusive and independent Dallas car insurance agents

When searching for a local insurance agency, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents can be categorized as either independent or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. They are usually quite knowledgeable on their company's products which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years mostly because of high brand loyalty rather than low price.

Listed below are exclusive agents in Dallas that can give you price quotes.

More Dallas agents

Independent Agents (or Brokers)

These agents can sell policies from many different companies and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If they quote lower rates, they simply move the coverage in-house which is easy for the insured.

When comparing rate quotes, it's a good idea to include rate quotes from several independent agencies to have the best price comparison. They also have the ability to place coverage with companies that do not advertise much that may provide cheaper car insurance rates.

Shown below are Dallas independent insurance agents that are able to give rate quotes.

More Dallas agents

It's not one size fits all

When it comes to choosing your policy for your vehicles, there isn't really a "best" method to buy coverage. Each situation is unique.Safe vehicles cost less to insure

For instance, these questions may help you determine whether or not you could use an agent's help.

  • Is my dog or cat covered if injured in an accident?
  • What does roadside assistance cover?
  • What companies insure drivers after a DUI or DWI?
  • What does PIP insurance cover?
  • Will my rates increase for filing one claim?
  • Do I have coverage when making deliveries for my home business?
  • What is the ISO rating for a Honda Accord?
  • Is my custom stereo system covered?

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Cheap coverage is out there

We just presented quite a bit of information on how to shop for Honda Accord insurance online. It's most important to understand that the more you quote Dallas auto insurance, the better likelihood of getting affordable Dallas auto insurance quotes. Drivers may even discover the biggest savings come from the smaller companies.

Cheap Honda Accord insurance in Dallas is possible from both online companies in addition to many Dallas insurance agents, so you should compare both to get a complete price analysis. Some companies do not offer the ability to get a quote online and these small insurance companies work with local independent agents.

As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time they didn't have enough coverage. The goal is to find the BEST coverage at the best cost.

How to save on Honda Accord insurance in Dallas

The best way we recommend to get budget car insurance rates in Dallas is to regularly compare price quotes from insurance carriers in Texas.

  • First, get a basic knowledge of what coverages are included in your policy and the factors you can control to keep rates low. Many rating factors that cause high rates like careless driving and poor credit rating can be controlled by improving your driving habits or financial responsibility.
  • Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies. Click to view companies
  • Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Fourth, notify your agent or company to cancel your existing policy and submit a down payment and signed policy application for your new coverage. Immediately keep the new certificate verifying coverage along with the vehicle's registration papers.

A valuable tip to remember is that you use identical coverages on each quote and and to get prices from as many carriers as you can. This provides the most accurate price comparison and a thorough price selection.

Additional information is located at the links below