Insurance for Honda AccordConfused by the sheer number of car insurance choices that you can choose from? Vehicle owners have such a vast assortment of choices available that it can quickly become a difficult situation to find a more affordable company. If you live there, you know that Atlanta is a wonderful place to live, but expensive car insurance can make it nearly impossible to buy full coverage.

Unbelievable but true, most car insurance buyers have bought car insurance from the same company for four years or more, and nearly 40% of drivers have never quoted car insurance rates at all. Consumers in Atlanta can save about $1,000 each year just by shopping around, but they mistakenly think it's difficult to find lower-cost car insurance rates.

It's a good habit to check car insurance prices as often as possible because car insurance prices are usually higher with each renewal. Just because you had the lowest rates on Honda Accord insurance in Atlanta at your last renewal there may be better deals available now. Ignore everything you know about car insurance because we're going to show you the fastest and easiest way to save money, get proper coverage and the best rates.

If you have coverage now, you will surely be able to reduce the price you pay using this strategy. Shopping for the lowest-priced policy in Atlanta can be fairly easy. But Georgia vehicle owners must learn how insurance companies set your policy premium and use this information to your advantage.

Verify you're earning every discount

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few must be specially asked for before you will receive the discount.Cheaper auto insurance with discounts

You should keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way. But any discount should help reduce your overall premium however.

Larger auto insurance companies and a selection of discounts include:

When getting free Atlanta auto insurance quotes, it's a good idea to all companies you are considering the best way to save money. Some credits may not apply in your state. If you would like to choose from a list of insurers with discount rates in Georgia, click here.

Compare Atlanta Honda Accord insurance quotes online

To get low cost Atlanta auto insurance quotes, there a variety of ways to obtain and compare prices from insurance companies in your area. By far the easiest way to find cheaper Honda Accord rates involves getting comparison quotes online. It's important to know that comparing a wide range of rates helps locate a lower rate than you're paying now. Some companies don't provide online price quotes, so it's necessary to compare price estimates from them, too.

The companies in the list below are our best choices to provide price quotes in Atlanta, GA. If multiple companies are listed, we suggest you compare several of them to find the lowest auto insurance rates.

Honda Accord Insurance Rate Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $284 $568 $434 $26 $130 $1,442 $120
Accord LX 4-Dr Sedan $186 $350 $378 $22 $114 $1,050 $88
Accord EX 4-Dr Sedan $268 $462 $344 $20 $104 $1,198 $100
Accord LX-P 4-Dr Sedan $208 $332 $342 $20 $102 $1,004 $84
Accord LX-P 4-Dr Sedan $290 $578 $404 $24 $122 $1,418 $118
Accord EX-L 4-Dr Sedan $276 $472 $344 $20 $104 $1,216 $101
Accord EX 2-Dr Coupe $276 $556 $458 $28 $138 $1,456 $121
Accord LX-S 2-Dr Coupe $192 $414 $426 $26 $128 $1,186 $99
Accord EX-L 2-Dr Coupe $166 $322 $426 $26 $128 $1,068 $89
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific garaging location which can lower or raise insurance rates significantly.

Price comparison of only insuring for liability

The example below shows the comparison of Honda Accord auto insurance costs with full coverage compared to only the Georgia minimum liability coverage. The rates are based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no exact rule of when to stop paying for physical damage coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's say your Honda Accord claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after the policy deductible has been paid. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Physical damage deductible comparison

When buying auto insurance, a common question is which deductibles should you choose. The tables below may help you to understand the cost difference when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Honda Accord insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $294 $502 $334 $20 $100 $1,275 $106
Accord LX 4-Dr Sedan $294 $502 $334 $20 $100 $1,275 $106
Accord EX 4-Dr Sedan $294 $502 $334 $20 $100 $1,275 $106
Accord LX-P 4-Dr Sedan $294 $502 $334 $20 $100 $1,275 $106
Accord LX-P 4-Dr Sedan $294 $502 $334 $20 $100 $1,275 $106
Accord EX-L 4-Dr Sedan $338 $612 $334 $20 $100 $1,429 $119
Accord EX 2-Dr Coupe $338 $720 $444 $26 $134 $1,687 $141
Accord LX-S 2-Dr Coupe $338 $720 $444 $26 $134 $1,687 $141
Accord EX-L 2-Dr Coupe $382 $720 $444 $26 $134 $1,731 $144
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Honda Accord insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $164 $264 $334 $20 $100 $882 $74
Accord LX 4-Dr Sedan $164 $264 $334 $20 $100 $882 $74
Accord EX 4-Dr Sedan $164 $264 $334 $20 $100 $882 $74
Accord LX-P 4-Dr Sedan $164 $264 $334 $20 $100 $882 $74
Accord LX-P 4-Dr Sedan $164 $264 $334 $20 $100 $882 $74
Accord EX-L 4-Dr Sedan $188 $322 $334 $20 $100 $964 $80
Accord EX 2-Dr Coupe $188 $380 $444 $26 $134 $1,172 $98
Accord LX-S 2-Dr Coupe $188 $380 $444 $26 $134 $1,172 $98
Accord EX-L 2-Dr Coupe $212 $380 $444 $26 $134 $1,196 $100
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific zip code location which can raise or lower price quotes substantially.

Based on the figures above, using a $100 deductible costs roughly $36 more each month or $432 every year than requesting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 25 months between claim filings, you would most likely save money if you choose a higher deductible.

Auto insurance premiums based on gender

The illustration below compares Honda Accord car insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Do I just need basic coverages?

When it comes to buying coverage online or from an agent, there really is no one-size-fits-all type of policy. You are unique and your policy should reflect that.Drive safe and save For example, these questions can aid in determining if you will benefit from professional help.

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

When to get advice from an agent

A small number of people still prefer to get advice from a local agent and doing that can be a smart decision One of the benefits of comparing rate quotes online is you may find cheap insurance rates and still have an agent to talk to.

Insurance agents in AtlantaTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Atlanta who can give free rate quotes for your business. You won't even need to contact an agency since price quotes are sent to you. You can find the lowest rates and an insurance agent to talk to. If you want to compare prices from a particular provider, you can always go to their quote page and fill out their quote form.

Deciding on an insurance company should depend on more than just a cheap quote. The answers to these questions are important, too.

Two types of car insurance agents

If you would like to find an insurance agent, it can be helpful to understand the different types of agencies that you can select. Insurance agencies may be either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Exclusive insurance agents are contracted to one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company's products which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent mostly because of the prominent brand name and the convenience of having all coverages with one company.

The following is a short list of exclusive insurance agencies in Atlanta that are able to give price quote information.

View more Atlanta agents

Independent Insurance Agencies

Independent agencies are normally appointed by many insurers and that gives them the ability to insure through many companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage and you don't have to find a new agent. When shopping rates, we recommend you get rate quotes from a couple of independent agencies to have the most options to choose from. Most also write with companies you've never heard of which may have better rates.

Listed below is a short list of independent agents in Atlanta willing to provide price quotes.

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More quotes mean more car insurance savings

Lower-priced Honda Accord insurance in Atlanta can be purchased both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide online price quotes and these smaller providers sell through independent agents.

We just covered many ways to reduce Honda Accord insurance prices online in Atlanta. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest prices are with some of the smallest insurance companies. They may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

When searching for cheaper Atlanta auto insurance quotes, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage and learned later they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

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