Purchasing lower-cost Columbia Honda Accord insurance quotes can seem to be difficult for people that are relatively new to comparing rates online. With so many insurance agents and companies in the marketplace, how can you have time to compare every company to locate better rates?
It's shocking but most consumers in South Carolina renewed their policy with the same company for well over three years, and 38% of drivers have never even compared rates from other companies. U.S. consumers can cut their rates by approximately $859 a year just by shopping around, but they assume it's a waste of time to shop around.
Don't neglect these discounts on Honda Accord insurance in Columbia
Some insurers don't necessarily list their entire list of discounts in a way that's easy to find, so we took the time to find a few of the more well known as well as some of the hidden credits that may apply to you.
- Columbia Homeowners Pay Less - Owning your own home or condo can earn you a little savings because it is proof that your finances are in order.
- New Car Discount - Insuring a vehicle that is new may earn a small discount because new vehicles have to meet stringent safety requirements.
- Braking Control Discount - Cars and trucks that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
- Seat Belt Discounts - Requiring all passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
- Claim-Free Discount - Good drivers with no accidents pay much less as compared to insureds who have frequent claims or accidents.
- Federal Employees - Active or retired federal employment may reduce rates when you quote Columbia auto insurance but check with your company.
- Telematics Data - People who choose to allow data collection to analyze where and when they drive by using a telematics device in their vehicle like Allstate's Drivewise could save a few bucks if their driving habits are good.
As is typical with insurance, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you won't be that lucky. But all discounts will bring down your insurance premiums.
To see a list of companies who offer online Honda Accord insurance quotes in South Carolina, follow this link.
When comparison shopping, there are several ways to get quotes from companies that offer car insurance in South Carolina. The recommended way to find the lowest Honda Accord rates is to get quotes online.
It's important to know that comparing more quotes will enable you to find a better price.
The companies shown below provide comparison quotes in Columbia, SC. If the list has multiple companies, it's highly recommended you click on several of them in order to get a fair rate comparison.
Seven Tips to Get More Affordable Columbia Insurance Prices
A large part of saving on auto insurance is knowing a few of the rating criteria that come into play when calculating your policy premiums. If you understand what determines base rates, this allows you to make good choices that may result in big savings.
What are your physical damage deductibles? - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. A few examples of covered claims are a dented fender, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to pay if you file a covered claim. The more expense you have to pay, the less money you will pay for auto insurance.
Does auto insurance cost less for females? - Statistics show females are less aggressive when driving. This data doesn't prove that women are BETTER drivers than men. They both are in accidents in similar numbers, but the males get into accidents with more damage. They also get higher numbers of serious violations such as DWI and reckless driving.
Safeguard your assets with liability coverage - The liability coverage on your policy will protect you when a jury decides you are liable for damages from an accident. Your policy's liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.
Teenagers are high risk - More experienced drivers are more cautious drivers, statistically cause fewer accidents, and are generally more financially stable.Inexperience drivers are statistically shown to be careless and easily distracted when behind the wheel so auto insurance rates are higher.
Cheaper auto insurance rates with safer cars - Safer cars get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims and cheaper rates on your policy.
Your employer and auto insurance rates - Jobs like real estate brokers, architects and stock brokers have higher premiums than the average policyholder attributed to intense work requirements and long work days. Other occupations such as farmers, engineers and the unemployed pay lower than average rates.
Cheaper rates after marriage - Your spouse helps lower the price when shopping for auto insurance. Having a spouse translates into being more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Honda Accord insurance claim data - Insurance companies include the past claim trends for vehicles as a way to help calculate a profitable premium rate. Models that the data determines to have high amounts or severity of claims will cost more to insure. The next table illustrates the historical loss data for Honda Accord vehicles.
For each type of coverage, the loss probablilty for all vehiclesaveraged together is considered to be 100. Numbers that are below 100 mean the vehicle has better than average losses, while percentage numbers above 100 point to more claims or an increased probability of a larger loss.
Insurance Loss Ratings for Honda Accord Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I need special coverages?
When quoting and choosing proper insurance coverage, there really isn't a perfect coverage plan. Everyone's situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you could use an agent's help.
- Will damage be repaired with OEM parts?
- Where can I get insurance after a DUI in South Carolina?
- I have health insurance so do I need medical payments coverage?
- What does UM/UIM cover?
- Am I covered if I back into my garage door?
- Is my babysitter covered when using my vehicle?
- Is a driver training discount available?
If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Local neighborhood agents and car insurance
A lot of people just prefer to talk to a local agent and that can be a smart move An additional benefit of comparing car insurance online is that drivers can save money and get lower rates but still work with a licensed agent.
After completing this form (opens in new window), your information gets sent to local insurance agents in Columbia that can give you free Columbia auto insurance quotes to get your business. It makes it easy because there is no need to visit any agencies because prices are sent to the email address you provide. You can find better rates without a big time investment. If for some reason you want to get a price quote from a specific insurance company, you can always jump over to their website and fill out their quote form.
Choosing an insurance company requires more thought than just a cheap price quote. A good agent in Columbia will have answers to these questions.
- How long has their agency been in business in Columbia?
- How many years of experience in personal auto insurance do they have?
- Will the quote change when the policy is issued?
- Will one accident increase rates?
- Can glass repairs be made at your home?
- Does the agency provide any after hours assistance?
Not all auto insurance agents are the same
When finding a local agent, you must know there are a couple types of agencies that you can choose from. Car insurance policy providers may be either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive agencies write business for a single company and some examples include American Family, State Farm, and AAA. These agents are unable to place coverage with different providers so always compare other rates. They receive a lot of sales training on their products and sales techniques which can be an advantage. Many people buy from exclusive agents mainly due to the brand name and strong financial ratings.
Shown below are Columbia exclusive agents who may provide you with price quote information.
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
- Allstate Insurance: Trevor Wright
1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map
- Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map
Independent Car Insurance Agencies
Independent agents are not restriced to one company and that enables them to quote your coverage with multiple insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent. When comparing rates, we highly recommend that you compare quotes from several independent agencies to maximize your price options. Many can place coverage with smaller companies that many times have cheaper rates.
Shown below is a list of independent insurance agencies in Columbia that can give you price quote information.
- Nationwide Insurance - Clark Farley Ins Agency Inc
8313 Two Notch Rd - Columbia, SC 29223 - (803) 788-4211 - View Map
- KLOSTERMAN INSURANCE AGENCY LLC
10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map
- Nationwide Insurance: Brian C Knight Agency LLC
791 Greenlawn Dr Ste 1 - Columbia, SC 29209 - (803) 776-8668 - View Map
Auto insurance is not optional
Despite the high cost, insurance serves an important purpose.
First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your car, almost every bank will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Honda at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
Third, auto insurance preserves not only your Honda Accord but also your financial assets. It also can pay for medical bills that are the result of an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your car more than cancel out the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.
One last note
As you quote Columbia auto insurance, it's very important that you do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best cost, but don't skip important coverages to save money.
Lower-priced Honda Accord insurance in Columbia can be sourced both online and with local Columbia insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide internet price quotes and usually these regional insurance providers provide coverage only through independent agencies.