Finding the cheapest insurance for a Honda Accord in California can normally be a lot of work, but you can use these tips and make it easy.
There is a better way to find car insurance online and we'll show you the quickest way to price shop coverage for a Honda and get the cheapest rates from San Diego insurance agents and online providers.
Most major insurance companies such as Allstate and Progressive provide coverage prices on the web. Comparing prices online for Honda Accord insurance in San Diego is very simple because you just enter your personal and coverage information into the quote form. After the form is submitted, the system makes automated requests for your credit score and driving record and returns pricing information determined by many factors.
This simplifies rate comparisons, and it's very important to perform this step if you want to get cheap prices.
To quickly find out if lower rates are available, check out the car insurance providers below. If you currently have coverage, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. This makes sure you will receive comparison quotes using the exact same coverages.
The companies shown below are ready to provide price quotes in San Diego, CA. If you want cheap auto insurance in California, we recommend you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$220||$350||$386||$22||$116||$1,094||$91|
|Accord LX 4-Dr Sedan||$256||$468||$354||$20||$106||$1,204||$100|
|Accord EX 4-Dr Sedan||$256||$464||$424||$26||$128||$1,298||$108|
|Accord LX-P 4-Dr Sedan||$284||$582||$424||$26||$128||$1,444||$120|
|Accord LX-P 4-Dr Sedan||$256||$468||$354||$20||$106||$1,204||$100|
|Accord EX-L 4-Dr Sedan||$266||$524||$488||$28||$146||$1,452||$121|
|Accord EX 2-Dr Coupe||$266||$618||$650||$38||$194||$1,766||$147|
|Accord LX-S 2-Dr Coupe||$372||$930||$604||$36||$180||$2,122||$177|
|Accord EX-L 2-Dr Coupe||$300||$576||$480||$28||$144||$1,528||$127|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in San Diego location which can alter rates greatly.
Difference between liability only and full coverage rates
The diagram below illustrates the comparison of Honda Accord yearly insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are taken into consideration.
When to stop buying full coverage
There is no clear-cut rule that works best for making the decision to drop full coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let's say your Honda Accord claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after you pay the deductible. If it's costing in excess of $500 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are a few situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Local San Diego insurance agents and car insurance
Certain consumers just prefer to talk to an insurance agent and doing so can bring peace of mind Good agents are trained risk managers and help you file claims. The biggest benefit of comparing insurance prices online is you may find lower premium rates and also buy local. And buying from local insurance agents is still important in San Diego.
To help locate an agent, after submitting this simple form, your insurance data gets sent to agents in your area who will gladly provide quotes for your business. There is no need to drive around because prices are sent to the email address you provide. If you have a need to compare prices from one company in particular, just go to their quote page and give them your coverage information.
Pick the best car insurance agent in San Diego for you
If you need to find local San Diego agents, there are two different types of agencies and how they work. Car insurance agencies are categorized either independent (non-exclusive) or exclusive. Either can insure your vehicles, but it's worth learning the difference between them because it can impact buying decisions.
These type of agents often have affiliation with several companies and that gives them the ability to insure amongst many companies and find the cheapest rate. If they find a lower price, your agent can just switch to a different company without you having to go to a different agency.
When shopping rates, it's a good idea to get several quotes from multiple independent agents so that you can do a thorough price comparison. Many independent agencies also insure through smaller regional carriers who may have lower rates.
The following are independent insurance agents in San Diego that may be able to provide rate quotes.
- Einhorn Insurance
3940 Hancock St - San Diego, CA 92110 - (858) 336-4644 - View Map
- Springbrook Insurance Agency
10650 Treena St #105 - San Diego, CA 92131 - (858) 391-3001 ext. 105 - View Map
- Alcott Insurance
3945 Idaho St - San Diego, CA 92104 - (619) 293-3800 - View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel normally can only provide a single company's rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are well schooled on what they offer which helps overcome the inability to quote other rates. Consumers frequently buy from exclusive agents mainly due to the brand name and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive insurance agencies in San Diego willing to provide price quote information.
- David Thompson - State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 - San Diego, CA 92111 - (858) 560-5400 - View Map
- Kevin Kane - State Farm Insurance Agent
3914 Murphy Canyon Rd a252 - San Diego, CA 92123 - (858) 514-0385 - View Map
- State Farm: Wendy Phillips
3838 Camino Del Rio N #103 - San Diego, CA 92108 - (619) 563-0380 - View Map
Finding the right car insurance agent requires you to look at more than just the premium amount. Here are some questions to ask:
- Will they make sure you get an adequate claim settlement?
- If independent agents, which companies do they recommend?
- Will high miles depreciate repair valuations?
- How much will you save each year by using a higher deductible?
- Which family members are covered?
- Do they offer claims assistance after hours?