Discount Honda Accord insuranceWant a free price quotes on the cheapest auto insurance rates in Erie, PA? Erie shoppers have options when shopping for the lowest priced Honda Accord insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to buy auto insurance and we'll show you the quickest way to compare rates on a Honda and get the cheapest rates either online or from Erie insurance agents.

Surprisingly, a recent survey revealed that the vast majority of drivers renewed their policy with the same company for a minimum of four years, and nearly the majority have never compared rate quotes at all. U.S. insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they don't know the big savings they would realize if they replace their high priced policy.

Locating the best rates in Erie is not that difficult as long as you know where to start. If you already have coverage, you will definitely be able to shop for the lowest rates using this information. Comparison shoppers just have to understand the most efficient way to compare price quotes from multiple carriers.

Companies offering Honda Accord insurance in Pennsylvania

The companies in the list below have been selected to offer price comparisons in Erie, PA. To get the best cheap car insurance in Pennsylvania, we suggest you get rates from several of them to get a more complete price comparison.

Honda Accord Insurance Costs in Erie, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $138 $236 $264 $16 $78 $732 $61
Accord LX 4-Dr Sedan $106 $184 $264 $16 $78 $648 $54
Accord EX 4-Dr Sedan $236 $476 $364 $22 $108 $1,206 $101
Accord LX-P 4-Dr Sedan $106 $188 $268 $16 $80 $658 $55
Accord LX-P 4-Dr Sedan $252 $352 $366 $22 $110 $1,102 $92
Accord EX-L 4-Dr Sedan $178 $338 $294 $18 $88 $916 $76
Accord EX 2-Dr Coupe $220 $512 $358 $22 $106 $1,218 $102
Accord LX-S 2-Dr Coupe $174 $390 $502 $30 $150 $1,246 $104
Accord EX-L 2-Dr Coupe $262 $464 $384 $22 $114 $1,246 $104
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific location which can affect coverage rates significantly.

Policy deductibles

The information below shows how choosing a deductible and can change Honda Accord insurance costs for different insured age categories. The rates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Comparison of policy deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The following tables illustrate the costs and benefits between low and high comp and collision deductibles. The first data set uses a $250 deductible and the second rate chart uses a $500 deductible.

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord EX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX-P 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX-P 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord EX-L 4-Dr Sedan $254 $428 $280 $16 $84 $1,087 $91
Accord EX 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Accord LX-S 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Accord EX-L 2-Dr Coupe $288 $506 $372 $22 $112 $1,325 $110
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $180 $284 $280 $16 $84 $844 $70
Accord LX 4-Dr Sedan $180 $284 $280 $16 $84 $844 $70
Accord EX 4-Dr Sedan $180 $284 $280 $16 $84 $844 $70
Accord LX-P 4-Dr Sedan $180 $284 $280 $16 $84 $844 $70
Accord LX-P 4-Dr Sedan $180 $284 $280 $16 $84 $844 $70
Accord EX-L 4-Dr Sedan $206 $346 $280 $16 $84 $932 $78
Accord EX 2-Dr Coupe $206 $408 $372 $22 $112 $1,120 $93
Accord LX-S 2-Dr Coupe $206 $408 $372 $22 $112 $1,120 $93
Accord EX-L 2-Dr Coupe $234 $408 $372 $22 $112 $1,148 $96
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in Erie location which can lower or raise premium rates significantly.

Based on these figures, using a $250 deductible costs about $13 more each month or $156 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claim filings, you would save more money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $92
Average monthly premium for $500 deductibles (subtract): - $79
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that higher deductibles results in a higher out-of-pocket expense when you have to file a claim. You must have enough extra money in order to pay the deductible.

Impact of speeding/accidents on car insurance rates

The example below illustrates how violations and fender-benders can impact Honda Accord insurance costs for different age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Honda Accord insurance discounts in Erie

Car insurance can be pricey, but there are discounts available that many people don't even know exist. Certain discounts will be applied at the time of purchase, but a few must be manually applied prior to getting the savings. If you check and find you aren't receiving every discount you deserve, you could be saving more on your car insurance.

Don't be surprised that some credits don't apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it just doesn't work that way.

For a list of companies with significant discounts in Erie, click here to view.

What insurance coverages do I need?

When choosing proper insurance coverage, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your insurance should unique, too. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Local Erie insurance agencies and auto insurance

A lot of people would rather go talk to an agent and that is OK! Experienced insurance agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of comparing auto insurance online is the fact that you can find lower rates but still work with a licensed agent.

After filling out this short form, your insurance data is instantly submitted to companies in Erie that can give you free Erie auto insurance quotes for your auto insurance coverage. You won't even need to leave your house as quotes are delivered to you directly. If you want to quote rates from a specific auto insurance provider, you just need to jump over to their website and fill out the quote form the provide.

Finding the right provider should include more criteria than just the price. Any good agent in Erie should know the answers to these questions.

If you need to find a local agent, it helps to know the two types of insurance agents to choose from. Agents may be either exclusive agents or independent agents. Either one can insure your vehicles properly, but it's worth mentioning the difference in how they write coverage since it can affect your agent selection.

Exclusive Insurance Agencies

Agents in the exclusive channel normally can only provide a single company's rates and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot shop your coverage around so you might not find the best rates. They are highly trained on the products they sell which can be an advantage. Consumers sometimes purchase coverage from exclusives partially due to the prominence of the brand rather than having low rates.

The following are Erie exclusive agencies who may provide you with comparison quotes.

More Erie agents

Independent Auto Insurance Agencies

These type of agents do not have single company limitations so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. To transfer your coverage to a different company, they simply switch companies in-house and you won't have to switch agencies.

If you need cheaper auto insurance rates, you will definitely want to get several quotes from at a minimum one independent agency to maximize your price options. They also have the ability to place coverage with smaller regional carriers that may have much lower rates than larger companies.

Below are Erie independent insurance agencies that can give you price quote information.

More Erie agents

If you get satisfactory answers and locked in a price quote, it's a good possibility that you have found an auto insurance agent that can properly service your auto insurance policy.

Is there deception in advertising?

Consumers in Pennsylvania can't avoid all the ads for insurance savings from the likes of State Farm, Allstate and GEICO. All the companies convey the message that drivers can save some big amount if you switch to them.

But how can every company save you money on Honda Accord insurance in Erie? Just pay attention to how they say it.

Many companies have an ideal profile for the type of driver that will not have excessive claims. For instance, a driver they prefer should be married and over the age of 30, has few claims, and chooses high deductibles. Anybody who meets those qualifications will get a cheap rate quote in Erie and is almost guaranteed to save some money.

Insureds who don't measure up to the requirements will be quoted higher premium rates and the prospect going elsewhere. Company advertisements say "customers that switch" not "everyone who quotes" can save as much as they claim. This is how insurance companies can state the savings. That is why you should get Erie auto insurance quotes from several different companies. It is impossible to guess which company will be your best fit.

Don't give up on affordable coverage

We've covered many tips how you can get a better price on Honda Accord insurance in Erie. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising. Some small companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm and Allstate.

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

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