I just bought a Honda Accord and I need to get it insured soon, how do I get a good deal on car insurance for my new car?

Julia

Silver Spring, MD

Good question. Getting a good deal for your new car is not as hard as you might initially think. And you wouldn’t have to spend hours on the phone or have to hire a broker just to get the best deals. Listed below are six tips to not only help you find the most competitive car insurance rates, but to also locate a reliable insurer for you:

1. Use Car Insurance Comparison Portals – These websites allow you to run free and instant car insurance quote checks so you can see the latest rates coming from many different insurers. This is a great way to maximize your chances of finding the best deals in the market.

2. Visit Independent Rating Agency Websites – Pick the best car insurers. This can be done by knowing which car insurance companies have the best-overall scores from independent rating agencies like A.M. Best, Moodys, and J.D. Power.

3. Choose Your Coverage Carefully – Get a policy that suits your needs and circumstances. If you drive an old/cheap vehicle then consider a lower comprehensive coverage. Have reliable health insurance? Then Personal Injury Protection might not be as essential anymore. Study your policy well and remove redundant coverage items.

4. Don’t be Afraid of a Higher Deductible – Bigger deductible, cheaper premiums. Just don’t raise it too much so you can still file a claim when absolutely necessary.

5. Get an Annual Payment Plan – Paying your coverage a year in full can save you more money in the long run compared to paying monthly. Insurers typically reduce rates or give discounts for those who pay a year upfront.

6. Know Your Discounts – Some examples of discount includes: defensive driver discounts, good student, low-mileage, multi-policy and safe car discounts. Discounts are an easy way to lower your car insurance bills. Always ask your insurer about discount options.

What is the difference between Physical damage liability and Property Damage liability insurance? or are they similar?

Diane

Manhattan, NY

Physical damage liability and Property Damage liability insurance are two different types of coverage. All states require all motorist and car owners to carry Property Damage Liability coverage, which covers damage you cause to someone else’s vehicle or property in case of an accident. Typically there is no deductible used for this type of coverage.

On the other hand, Physical Damage consist of Comprehensive and Collision coverage and is an optional coverage that protects your car for any type of damage. Collision coverage pays damage to your vehicle colliding with another vehicle or object regardless of who is at fault. Comprehensive coverage pays damage from events such as fire, theft, vandalism, weather, and windshield or animal-related accidents.

Usually collision and comprehensive coverage have separate deductibles and typically required if you are leasing your car.

Keep in mind that the term liability pays for someone else’s damages that where in you are at fault.

Where can I get a Honda auto insurance?

Jen

Boulder CO

A Honda auto insurance can be obtained from almost all insurers considering the popularity of the brand and the company’s reputation as reliable and efficient. The traditional insurance agents and brokers can provide you with a Honda auto insurance if you call them or visit their offices. This method of obtaining a Honda auto insurance is the fastest since you can right away negotiate for the cost of the particular coverages you want for your vehicle. The insurance agents you will be talking to can also provide you with a guide you on how to complete all of the requirements to hasten your Honda auto insurance application. Before you decide on which company to choose from, you will need to make a quote comparison so that you can get the best deal. Do not limit yourself to one or two insurers. Instead, ask for Honda auto insurance quotes from a handful of local insurers. You can also visit online sites that provide instant quotes. Just be careful with the companies you will be asking quotes from as some of them may require a lot of personal information. With the quotes you obtained from local insurers and those you obtained online, you have in your hand a lot of choices for your auto insurance.

Is a Honda auto insurance cheap or expensive?

Estelle

Wilmington DE

Honda is a Japanese car manufacturer that has a strong reputation in the market, giving it one of the leading spots in the global arena. Honda cars are popular because of their reliability, longevity and relatively low insurance costs. A Honda auto insurance for its Civic model has remained almost the same for many years now. Even its CRV model does not cost too much to insure since the company has a very established reputation in the market. Compared to other sports vehicles, a Honda auto insurance for its sport scar CRV does not cost as much. The reason for this is because the Japanese manufacturer’s reputation as a carmaker has greatly been enhanced by the efficiency of its engines. The car builds its engines to become fuel-efficient with cleaner emissions. Insurance firms favorably regard the Honda models partly because of their mass appeal. Also, it won’t cost insurers a lot when it comes to repairing the car as well as the replacement of their parts, which goes a long way in lowering a Honda auto insurance. If you are considering to buy a Honda automobile, it wouldn’t hurt for you to ask local insurers for premium estimates so that you already have an idea how much insurance you need for your car.

I wanna have the best deal for my Honda insurance here in New Mexico and I wonder if it would be easy to get that. How do I find cheap Honda insurance when everything seems to be going up?

Brad

Santa Fe, NM

Getting cheap Honda insurance could eat up a lot of your time because there are a lot of motorcycle insurance companies in the market that would like to get your business. But there are excellent deals that you could get for your Honda insurance. It could only be the unlimited number of insurance quotes that will make you confuse. But through the dawn of a lot of comparison quotes websites, the search for Honda insurance has been so much simple. With just a little of your time, you are capable of getting cheap Honda insurance in New Mexico.

Because of the coming of competition in the Internet, cheap price for Honda insurance has been made possible. You could have discounts if you sign up for your Honda insurance online, making the cost of your coverage to be even cheaper. A number of insurance companies could offer as much as 15% discount on your Honda insurance if you buy your policy online. Comparison quotes websites could be so much helpful because every insurance company could be browsed in a single place which provides you the likelihood of having fewer problems when making comparisons between the advantages and disadvantages of several insurance quotes. A lot of insurers also give out bonus to new clients which would make the premiums cheap for your Honda insurance.

I’m trying to look for a company that could provide me with Honda insurance. Can you give some advice on the best way to choose an insurance carrier?

Julius,

Indianapolis, IN

Have you bought your car already? If not yet, I suggest you look around for a company offering Honda insurance before you buy and pick up the vehicle. Car insurance is not an add-on to your car that you could decide on getting whenever you want to. It is one way of showing financial responsibility that all states require for their registered drivers to have. And as long as you are driving or owning a car, you should continue paying for your insurance policy or else you will be penalized. That’s why it’s important that you shop around for insurance before you make the purchase so that you know what insurance and type of car would fit into your budget.

When looking for a Honda insurance, it is important that you get a quote from each one of them so you could compare them like apple to apple. You could try searching the yellow pages for a list of car insurance companies there in or you could try searching the internet. If you are in a hurry, you may want to check the internet first so you could determine your shortlist. Once you’ve done this, you may start calling those who are included in your shortlist to a get a more personal advice and accurate quote. You should also compare the discounts that they offer so you where you could get the best package.

I recently acquired a financed Honda. What is the best way to get reasonable rates on my Honda insurance?

Kathy

Oklahoma City, OK

Although the residents in Oklahoma only paid $678 for their car insurance premium in 2006, rates have drastically increased since then. And with the economic crunch affecting everyone, consumers scramble to get the most reasonably priced goods and services. And this is true with car insurance since it is one expense that our government requires us to shoulder every single year.

Since your Honda is under lien, then you will definitely be required to get the Comprehensive Insurance by your financing company. This is because they will need a guarantee that the car’s value will still be paid in cases where it gets stolen or totally ruined after an accident and is still not completely paid for. Although newer cars get to be assessed with high rates, you should be able to save on Comprehensive Insurance as newer vehicle models definitely have been equipped with safety features. You should also consider getting higher deductibles on this coverage so that your Honda insurance premiums will be lowered. To be assured of cheap Honda insurance, do some comparison shopping, so that you get to know how you will be assessed by car insurance companies. Make sure to get quotes on the minimum car insurance requirements. However, you should highly consider getting higher coverage limits.