Are you sick of overpaying and want more affordable Honda Accord insurance in Indianapolis? No normal person looks forward to paying for car insurance, especially when they know they could get a better deal.

Insurance rates Honda Accord in IndianapolisIt's amazing but most consumers in Indiana kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never quoted car insurance rates at all. American consumers could save about 47% every year by just comparing quotes, but they underestimate the rate savings if they moved their coverage to a different company.

Consumers have many insurance companies to purchase coverage from, and although it's nice to have a selection, it can be more difficult to get the best deal for Honda Accord insurance in Indianapolis.

Buying the cheapest insurance in Indianapolis is much easier if you have a good place to start. If you are already insured, you will surely be able to shop for the lowest rates using these techniques. Although Indiana car owners should learn how companies sell online because rates are impacted by many factors.

Insurance quotes and discounts

Some insurers don't always list the entire discount list in an easy-to-find place, so the list below details both well-publicized and the more hidden credits that may apply to you.Save money with discounts

Please keep in mind that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, you're out of luck. But any discount should help lower your policy cost.

Companies and a summarized list of policyholder discounts are shown below.

Double check with every insurance company what discounts are available to you. Some credits might not apply in Indianapolis. To view providers with discount insurance rates in Indianapolis, follow this link.

To find the best car insurance quotes, there are several ways to compare rate quotes from many available car insurance companies in Indiana. The easiest way by far to lower the rate you pay for Honda Accord insurance consists of shopping online.

Getting free rate quotes online is quite simple, and it makes it obsolete to actually drive to insurance agencies in your area. Doing it all online makes this unnecessary unless you prefer the professional abilities of a local agent. You can, however, price shop online and get advice from an agent in your area.

Just keep in mind that making a lot of price comparisons gives you a better chance of getting lower pricing. Not every company allows you to get Indianapolis Accord insurance quotes online, so it's important to also get price quotes on coverage from those companies, too.

The companies shown below are our best choices to provide free quotes in Indiana. If multiple companies are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Honda Accord Insurance Costs in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $132 $238 $250 $14 $76 $710 $59
Accord LX 4-Dr Sedan $134 $188 $312 $18 $94 $746 $62
Accord EX 4-Dr Sedan $164 $304 $230 $14 $68 $780 $65
Accord LX-P 4-Dr Sedan $146 $250 $224 $14 $68 $702 $59
Accord LX-P 4-Dr Sedan $140 $222 $246 $14 $74 $696 $58
Accord EX-L 4-Dr Sedan $152 $288 $270 $16 $80 $806 $67
Accord EX 2-Dr Coupe $132 $312 $384 $22 $114 $964 $80
Accord LX-S 2-Dr Coupe $208 $504 $358 $22 $108 $1,200 $100
Accord EX-L 2-Dr Coupe $226 $348 $416 $24 $124 $1,138 $95
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in garaging location in Indianapolis which can impact prices greatly.

Poor driving habits will raise your car insurance rates

The illustration below illustrates how speeding tickets and at-fault claims can increase Honda Accord car insurance rates for different ages of insureds. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The rates below outline the differences in price when you select higher and lower policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Honda Accord insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $210 $358 $238 $14 $72 $917 $76
Accord LX 4-Dr Sedan $210 $358 $238 $14 $72 $917 $76
Accord EX 4-Dr Sedan $210 $358 $238 $14 $72 $917 $76
Accord LX-P 4-Dr Sedan $210 $358 $238 $14 $72 $917 $76
Accord LX-P 4-Dr Sedan $210 $358 $238 $14 $72 $917 $76
Accord EX-L 4-Dr Sedan $242 $436 $238 $14 $72 $1,027 $86
Accord EX 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
Accord LX-S 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
Accord EX-L 2-Dr Coupe $272 $514 $318 $18 $94 $1,241 $103
Get Your Own Custom Quote Go
Honda Accord insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $154 $242 $238 $14 $72 $720 $60
Accord LX 4-Dr Sedan $154 $242 $238 $14 $72 $720 $60
Accord EX 4-Dr Sedan $154 $242 $238 $14 $72 $720 $60
Accord LX-P 4-Dr Sedan $154 $242 $238 $14 $72 $720 $60
Accord LX-P 4-Dr Sedan $154 $242 $238 $14 $72 $720 $60
Accord EX-L 4-Dr Sedan $176 $294 $238 $14 $72 $794 $66
Accord EX 2-Dr Coupe $176 $348 $318 $18 $94 $954 $80
Accord LX-S 2-Dr Coupe $176 $348 $318 $18 $94 $954 $80
Accord EX-L 2-Dr Coupe $200 $348 $318 $18 $94 $978 $82
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in vehicle garaging location which can modify rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs roughly $18 more each month or $216 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 22 months between claims, you would probably come out ahead going with the higher deductible. Below is a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Do I need an insurance agent?

Many drivers still like to have an agent's advice and that is a personal choice. A good thing about comparing rate quotes online is you may find cheap car insurance quotes and still choose a local agent.

To make it easy to find an agent, after completing this quick form, the quote information is sent to companies in Indianapolis who will gladly provide quotes for your car insurance coverage. You won't even need to leave your house since rate quotes are delivered straight to your inbox. You can find better rates AND an agent nearby. If you have a need to get a comparison quote from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.

Deciding on an provider is decision based upon more than just a cheap price. These are some valid questions you should ask.

Once you have received positive responses for all questions you ask as well as offering an affordable quote, you may have found an insurer that meets the criteria to service your policy.

Smart consumers save more

We just covered a lot of tips how to reduce Honda Accord insurance rates online in Indianapolis. The key thing to remember is the more times you quote, the better chance you'll have of finding low cost Indianapolis auto insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower auto insurance rates than their larger competitors like Progressive or GEICO.

Some insurance companies may not offer rate quotes online and many times these smaller companies sell through local independent agents. Cheaper car insurance in Indianapolis can be found on the web as well as from independent agents in Indianapolis, so you should compare both in order to have the best chance of saving money.

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