Insurance for Honda AccordAre you tired of overpaying and want low-cost Honda Accord insurance in San Antonio? Nobody I know looks forward to paying premiums for car insurance, in particular when they could find better prices if they shop around.

Astonishing but true according to a recent study, most consumers in Texas have been with the same company for at least the last four years, and virtually 40% of consumers have never compared car insurance rates at all. American insurance shoppers could cut their rates by almost $850 a year by just comparing rate quotes, but they don't know the benefits if they switched to a cheaper policy. There are many car insurance companies to insure vehicles with, and although it's nice to be able to choose, it can be more challenging to compare rates and cut insurance costs.

The intent of this article is to help you learn the best ways to compare prices and also save some money in the process If you are paying for car insurance now, you will be able to find better prices using this strategy. Smart buyers just need to use the quickest way to compare different rates instantly.

Many insurance companies like State Farm and Allstate give coverage prices on their websites. Doing online quotes for Honda Accord insurance in San Antonio doesn't take much effort because you just enter your coverage information into a form. Once you submit the form, the quote system orders your driving record and credit report and generates pricing information. Using the web to get rate quotes for Honda Accord insurance in San Antonio helps simplify price comparisons, and it's absolutely necessary to compare as many rates as possible if you want to get the best possible rates on car insurance.

To get comparison pricing now, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you replicate the coverage information just like they are on your policy. This helps ensure you will get a rate comparison for similar coverage.

The auto insurance companies shown below are our best choices to provide comparison quotes in Texas. To buy the cheapest car insurance in Texas, we recommend you click on several of them to get the most competitive price.

Honda Accord Insurance Cost Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $124 $218 $310 $18 $94 $764 $64
Accord LX 4-Dr Sedan $292 $408 $424 $26 $128 $1,278 $107
Accord EX 4-Dr Sedan $274 $550 $422 $24 $126 $1,396 $116
Accord LX-P 4-Dr Sedan $248 $400 $330 $20 $98 $1,096 $91
Accord LX-P 4-Dr Sedan $220 $404 $304 $18 $92 $1,038 $87
Accord EX-L 4-Dr Sedan $252 $492 $304 $18 $92 $1,158 $97
Accord EX 2-Dr Coupe $254 $602 $486 $28 $146 $1,516 $126
Accord LX-S 2-Dr Coupe $206 $462 $452 $26 $136 $1,282 $107
Accord EX-L 2-Dr Coupe $264 $542 $520 $30 $156 $1,512 $126
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific San Antonio garaging location which can impact prices noticeably.

Impact of age and gender on auto insurance rates

The information below visualizes the comparison of Honda Accord insurance premiums for male and female drivers. The prices are based on no claims or driving citations, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Reckless driving habits raise auto insurance rates

The illustration below highlights how speeding tickets and fender-benders can raise Honda Accord auto insurance costs for each different age category. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Why you need to buy insurance

Despite the high cost, paying for insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car are definitely more than the cost, especially when you need to use it. According to a recent study, the average American driver overpays more than $825 a year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

How to Lower Your Insurance Costs

When buying auto insurance it's important to understand some of the factors that play a part in calculating the price you pay for auto insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.

Get discounts on San Antonio auto insurance

Companies that sell car insurance don't always advertise every available discount in an easy-to-find place, so the list below gives a summary of some of the more common as well as the least known credits available to lower your premiums when you buy San Antonio auto insurance online. If you don't get every credit available, you're just leaving money on the table.Save money with discounts

Don't be surprised that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way.

Some companies that may include most of the discounts above include:

If you need lower rates, check with each insurance company to give you their best rates. Some discounts listed above may not apply to policies in San Antonio. If you would like to see a list of companies that offer discounts in Texas, click here.

Situations that may require an agent's advice

Always remember that when buying coverage online or from an agent for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.Safe vehicles cost less to insure

For example, these questions may help you determine if your insurance needs may require specific advice.

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Insurance agent or online?

Many people would rather buy from a local agent and that is recommended in a lot of cases Good agents can help you build your policy and help you file claims. An additional benefit of price shopping on the web is that you can find cheaper premium rates and also buy local. And buying from neighborhood insurance agencies is still important in San Antonio.

San Antonio insurance agentsTo find an agent, once you fill out this quick form, the quote information gets sent to local insurance agents in San Antonio who will give you bids for your insurance coverage. You never need to contact any insurance agencies since price quotes are sent directly to you. If you have a need to quote rates from a specific car insurance provider, you would need to go to their quote page to submit a rate quote request.

If you would like to find a local agent, it's helpful to know the different types of agents and how they operate. Car insurance policy providers can either be exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it is important to understand the differences since it can affect the kind of agent you use.

Independent Insurance Agents

Independent insurance agents are normally appointed by many insurers so they have the ability to put coverage with many different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house and that require little work on your part. When shopping rates, you absolutely need to get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison.

Featured below is a list of independent agents in San Antonio that can possibly get you free rate quotes.

1534 W Contour Dr #101 - San Antonio, TX 78212 - (210) 828-7873 - View Map

1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map

A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map

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Exclusive Insurance Agents

These type of agents can only place business with one company such as Allstate and State Farm. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums.

Shown below are exclusive agencies in San Antonio that can give you price quotes.

1583 Thousand Oaks - San Antonio, TX 78232 - (210) 496-5616 - View Map

6324 NW Loop 410 - San Antonio, TX 78238 - (210) 647-1174 - View Map

11726 Ste 102A, I-35 - San Antonio, TX 78233 - (210) 514-1120 - View Map

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Picking the best auto insurance agent should include more criteria than just a cheap quote. The following questions are important to ask.

If you get good feedback to these questions and cheap Accord insurance quotes, it's possible that you found an auto insurance agent that will service your policy.

Smart shoppers get results

Lower-priced Honda Accord insurance in San Antonio can be found from both online companies and from local insurance agents, so you should compare both to get a complete price analysis. A few companies may not offer online quoting and usually these smaller providers provide coverage only through local independent agents.

People switch companies for a variety of reasons including high prices, poor customer service, lack of trust in their agent or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented a lot of information how to save on Honda Accord insurance in San Antonio. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting inexpensive San Antonio auto insurance quotes. Consumers could even find that the lowest car insurance rates are with the least-expected company.

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