Affordable Insurance for a Honda Accord in Cincinnati

It’s amazing but over 70% of Ohio drivers kept their coverage with the same auto insurance company for more than four years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in the United States could save an average of nearly $859 each year just by shopping around, but they think it’s difficult to find cheap auto insurance rates.

Insurance rates Honda Accord in CincinnatiIf your goal is the lowest price, then the best way to get affordable Honda Accord insurance in Cincinnati is to do a yearly price comparison from insurance carriers that insure vehicles in Ohio.

Step 1: Take a little time to learn about how auto insurance works and the measures you can take to keep rates down. Many rating factors that are responsible for high rates like high-risk driving behaviors and an unacceptable credit score can be remedied by making minor changes to your lifestyle.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of companies. Get quotes now

Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available. If you can save money and make a switch, make sure coverage does not lapse between policies.

Step 4: Provide notification to your current company of your decision to cancel your current coverage and submit the application along with any required down payment for the new coverage. Immediately upon receiving it, put the new certificate verifying coverage in your glove compartment.

An essential thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to get rates from as many carriers as you can. Doing this guarantees a fair rate comparison and the best price selection.

If you have a current insurance policy, you should be able to find the best rates using these tips. Choosing the best rates in Cincinnati is quite easy if you know the best way to do it. But Ohio drivers must know how big insurance companies calculate their prices and use it to find better rates.

Honda Accord insurance discounts in Cincinnati

Some insurance providers don’t always publicize all available discounts very clearly, so below is a list both well-publicized and the more hidden credits available to bring down your rates.

Just know that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

The diagram below illustrates the comparison of Honda Accord premium costs with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Ohio 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 marriage, homeowner, safe-driver, multi-car, multi-policy, and claim-free discounts applied.

Companies and some of the premium reductions they offer are outlined below.

When comparing rates, check with each insurance company which discounts can lower your rates. Some discounts may not be available in every state. To choose insurers that can offer you the previously mentioned discounts in Cincinnati, click here.

How much does Honda Accord insurance in Cincinnati, Ohio cost?

When comparison shopping, there are several ways to compare prices from different Cincinnati insurance companies. The easiest way by far to compare rates is to use the internet to compare rates.

Getting free price quotes online is quite simple, and it takes the place of having to actually drive to and from local insurance agencies. Doing it all online can eliminate the need for a local agent unless your situation requires the professional guidance only provided by licensed agents. Although you can find lower rates online but have a local agent actually write the policy.

Keep in mind that getting more free quotes will improve the odds of getting lower pricing.

The following companies provide comparison quotes in Ohio. If you wish to find cheap auto insurance in Cincinnati, it’s highly recommended you visit as many as you can to get the most affordable price.

Coverage statistics and figures

The table shown next showcases a range of coverage prices for Honda Accord models. Being able to understand how premiums are figured can benefit drivers when making smart choices when purchasing an auto insurance policy.

Honda Accord Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $82 $158 $218 $12 $66 $536 $45
Accord EX 4-Dr Sedan $82 $158 $218 $12 $66 $536 $45
Accord LX-P 4-Dr Sedan $82 $158 $218 $12 $66 $536 $45
Accord EX-L 4-Dr Sedan $94 $192 $218 $12 $66 $582 $49
Accord EX 2-Dr Coupe $94 $226 $290 $18 $86 $714 $60
Accord LX-S 2-Dr Coupe $94 $226 $290 $18 $86 $714 $60
Accord EX-L 2-Dr Coupe $106 $226 $290 $18 $86 $726 $61
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can raise or lower prices substantially.

Rate comparison for different deductibles

When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates can help show the premium difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 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 $170 $290 $192 $12 $58 $747 $62
Accord EX 4-Dr Sedan $170 $290 $192 $12 $58 $747 $62
Accord LX-P 4-Dr Sedan $170 $290 $192 $12 $58 $747 $62
Accord EX-L 4-Dr Sedan $196 $352 $192 $12 $58 $835 $70
Accord EX 2-Dr Coupe $196 $416 $256 $16 $76 $985 $82
Accord LX-S 2-Dr Coupe $196 $416 $256 $16 $76 $985 $82
Accord EX-L 2-Dr Coupe $220 $416 $256 $16 $76 $1,009 $84
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Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $94 $152 $192 $12 $58 $508 $42
Accord EX 4-Dr Sedan $94 $152 $192 $12 $58 $508 $42
Accord LX-P 4-Dr Sedan $94 $152 $192 $12 $58 $508 $42
Accord EX-L 4-Dr Sedan $108 $186 $192 $12 $58 $556 $46
Accord EX 2-Dr Coupe $108 $220 $256 $16 $76 $676 $56
Accord LX-S 2-Dr Coupe $108 $220 $256 $16 $76 $676 $56
Accord EX-L 2-Dr Coupe $122 $220 $256 $16 $76 $690 $58
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in specific location information which can change premiums significantly.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $23 more each month or $276 for a full year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 39 months between claim filings, you would probably save some money if you elect the higher deductible. The numbers below show how this calculation is made.

Average monthly premium for $100 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): – $49
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

The chart below shows how choosing a deductible and can raise or lower Honda Accord yearly insurance costs for different ages of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Learn How to Buy Car Insurance for Less

Smart consumers have a good feel for some of the elements that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Lots of things are used when pricing auto insurance. Some are obvious such as traffic violations, but some are less apparent such as your marital status or how financially stable you are.

The following are some of the things car insurance companies consider when setting your prices.

What is the best insurance coverage?

When it comes to a policy for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your insurance should unique, too. For example, these questions might point out whether you would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

When to have guidance from an insurance agency

Many people would prefer to go talk to an agent and doing so can bring peace of mind One of the best bonuses of getting free rate quotes online is the fact that you can find cheaper auto insurance rates and still have an agent to talk to.

Insurance agency in CincinnatiTo make it easy to find an agent, after completing this simple form, your information is transmitted to participating agents in Cincinnati who will give you bids for your coverage. There is no reason to search for an agent since price quotes are sent to your email. You can most likely find cheaper rates and work with a local agent. If you wish to get a comparison quote from a specific insurance company, you would need to jump over to their website and fill out the quote form the provide.

Picking an insurer should include more criteria than just the price. Here are some questions you might want to ask.

Shown below are Cincinnati insurance companies that may be willing to give rate quotes for Honda Accord insurance in Cincinnati.

6725 Miami Ave #102Cincinnati, OH 45243(513) 891-4400View Map

4739 Delhi AveCincinnati, OH 45238(513) 922-9460View Map

2148 Gilbert AveCincinnati, OH 45206(513) 381-1919View Map

Beth Wilker – State Farm Insurance Agent
8406 Winton RdCincinnati, OH 45231(513) 521-0884View Map

More insurance agents

Best reasons to buy insurance in Ohio

Despite the fact that insurance is not cheap in Cincinnati, insuring your vehicle is required for several reasons.

The benefits of buying insurance are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America overpays as much as $800 each year so compare rate quotes at every policy renewal to save money.

Don’t give up on affordable rates

Some insurance providers may not have online rate quotes and usually these small insurance companies provide coverage only through independent agents. Cost effective Honda Accord insurance can be bought from both online companies and with local Cincinnati insurance agents, and you should compare price quotes from both so you have a total pricing picture.

We just presented a lot of techniques to save on Honda Accord insurance in Cincinnati. The key thing to remember is the more times you quote, the better your chances of lowering your prices. You may even discover the best price on car insurance is with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

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