Insurance rates Honda Accord in Colorado SpringsCutting costs on Honda Accord insurance in Colorado Springs is always difficult for drivers not familiar with buying insurance online. There are so many choices that it can quickly become a challenge to compare prices on Honda Accord insurance.

A recent study showed that most drivers in Colorado kept their policy with the same company for over three years, and approximately 38% of consumers have never shopped around. U.S. consumers could save up to 46.5% each year just by comparing rates, but they don't understand how simple it is to find cheaper car insurance rates.

If you currently have a car insurance policy, you will be able to buy cheaper car insurance using the tips covered below. The purpose of this article is to let you in on how auto insurance companies operate and how you can save the most money. But Colorado drivers must comprehend how insurance companies calculate your car insurance rates because rates fluctuate considerably.

Most major insurance companies like State Farm, GEICO and Progressive allow you to get prices on the web. Comparing prices online for Honda Accord insurance in Colorado Springs is very simple because it's just a matter of typing in your coverage preferences as requested by the quote form. Once you submit the form, their rating system automatically orders credit information and your driving record and provides a quote based on the data you entered.

This makes it easy to compare insurance prices and it's also necessary to get many rate quotes if you are searching for cheaper prices.

If you want to compare rates using this form now, take a look at the companies shown below. If you have your current policy handy, we recommend you input the limits and deductibles as shown on your current policy. This way, you will receive an apples-to-apples comparison based on the exact same insurance coverage.

The companies shown below provide comparison quotes in Colorado. If several companies are displayed, we recommend you visit two to three different companies to get a more complete price comparison.

Honda Accord Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord LX 4-Dr Sedan $202 $372 $280 $16 $84 $954 $80
Accord EX 4-Dr Sedan $188 $348 $362 $22 $108 $1,028 $86
Accord LX-P 4-Dr Sedan $188 $348 $362 $22 $108 $1,028 $86
Accord LX-P 4-Dr Sedan $204 $388 $338 $20 $102 $1,052 $88
Accord EX-L 4-Dr Sedan $344 $546 $392 $24 $118 $1,424 $119
Accord EX 2-Dr Coupe $234 $528 $416 $24 $124 $1,326 $111
Accord LX-S 2-Dr Coupe $296 $740 $480 $28 $144 $1,688 $141
Accord EX-L 2-Dr Coupe $294 $608 $516 $30 $154 $1,602 $134
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can influence premium rates greatly.

Choosing deductibles

When buying auto insurance, a common question is how high should your deductibles be. The figures shown below outline the differences in premium rates of buying low and high physical damage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord EX 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX-P 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord LX-P 4-Dr Sedan $236 $376 $298 $18 $90 $1,043 $87
Accord EX-L 4-Dr Sedan $272 $458 $298 $18 $90 $1,161 $97
Accord EX 2-Dr Coupe $272 $538 $396 $24 $118 $1,373 $114
Accord LX-S 2-Dr Coupe $272 $538 $396 $24 $118 $1,373 $114
Accord EX-L 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
Get Your Own Custom Quote Go
Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord LX 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord EX 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord LX-P 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord LX-P 4-Dr Sedan $192 $304 $298 $18 $90 $902 $75
Accord EX-L 4-Dr Sedan $220 $368 $298 $18 $90 $994 $83
Accord EX 2-Dr Coupe $220 $434 $396 $24 $118 $1,192 $99
Accord LX-S 2-Dr Coupe $220 $434 $396 $24 $118 $1,192 $99
Accord EX-L 2-Dr Coupe $250 $434 $396 $24 $118 $1,222 $102
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle location which can lower or raise price quotes greatly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $13 more each month or $156 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 19 months between claims, you would save money if you choose a higher deductible.

Honda Accord annual premiums for males versus females

The information below shows the difference between Honda Accord insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.

You may need specialized insurance coverage

When it comes to buying your policy for your personal vehicles, there is no perfect coverage plan. You are unique.Higher deductibles save money

For example, these questions may help you determine whether or not you would benefit from professional advice.

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form.

Get rate quotes but still have a neighborhood Colorado Springs auto insurance agent

Some consumers would prefer to buy from a licensed agent and often times that is recommended One of the best bonuses of comparing insurance prices online is you may find cheap car insurance rates and still have an agent to talk to. Putting coverage with neighborhood agents is still important in Colorado Springs.

Insurance agency in Colorado SpringsTo make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to local insurance agents in Colorado Springs who can give free rate quotes and help you find cheaper coverage. There is no need to even leave your home because quoted prices will be sent to the email address you provide. Get lower rates without having to waste a lot of time. If you need to get a comparison quote from a particular provider, just search and find their rate quote page to submit a rate quote request.

Types of auto insurance agents

If you prefer to buy car insurance from an insurance agent, you should know the different types of agents and how they can write your policy. Car insurance policy providers are classified as either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies

Agents that choose to be independent are not limited to a single company so they can insure your vehicles with lots of companies and get you the best rates possible. If you are not satisfied with one company, they simply move the coverage in-house which requires no work on your part.

When comparing rates, it's a good idea to get some free quotes from at least one independent agent so that you can do a thorough price comparison. Many independent agencies also insure through smaller regional carriers which can be an advantage.

Shown below is a short list of independent agencies in Colorado Springs that can give you rate quotes.

View more agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company like AAA, Allstate, and State Farm. Exclusive agencies are unable to place coverage with different providers so it's a take it or leave it situation. They are very knowledgeable in insurance sales and that allows them to sell at a higher price point. Some insured continue to buy insurance from these agents primarily because of the brand and the convenience of having all coverages with one company.

Below are exclusive agents in Colorado Springs willing to provide price quotes.

View more agents

Finding the right insurance agency needs to be determined by more than just a low price. The following questions are important to ask.