Auto Insurance Rate Quotes for a Honda Accord in Oklahoma City

Discount Honda Accord insuranceIt’s safe to assume that insurance companies don’t want customers comparing rates. People who shop around for cheaper price quotes will, in all likelihood, buy a new policy because they have good chances of finding a more affordable policy. A recent survey discovered that drivers who regularly shopped around saved approximately $3,500 over four years compared to other drivers who never shopped around for better prices.

If finding the best price on Honda Accord insurance in Oklahoma City is your objective, knowing how to get free comparison quotes and analyze insurance coverage can help make the process easier and more efficient.

If you want to save money, the best way to get the cheapest Honda Accord insurance is to regularly compare quotes from providers in Oklahoma City.

An important part of this process is to use similar deductibles and liability limits on every price quote and and to analyze as many carriers as you can. Doing this helps ensure a level playing field and plenty of rates choose from.

Choosing the best rates in Oklahoma City is actually quite simple. If you are insured now, you will most likely be able to get lower rates using these tips. Nevertheless, Oklahoma vehicle owners can benefit by having an understanding of how companies price insurance differently because it varies considerably.

Best companies for low-cost Honda Accord insurance in Oklahoma

The companies shown below are ready to provide free quotes in Oklahoma City, OK. If the list has multiple companies, we recommend you compare several of them in order to find the most affordable rates.

Coverage information

The data table shown next covers different insurance prices for Honda Accord models. Learning as much as possible about how premiums are determined can assist in making decisions on the best policy to buy.

Honda Accord Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $190 $322 $358 $22 $108 $1,000 $83
Accord LX 4-Dr Sedan $190 $322 $358 $22 $108 $1,000 $83
Accord EX 4-Dr Sedan $190 $322 $358 $22 $108 $1,000 $83
Accord LX-P 4-Dr Sedan $190 $322 $358 $22 $108 $1,000 $83
Accord LX-P 4-Dr Sedan $190 $322 $358 $22 $108 $1,000 $83
Accord EX-L 4-Dr Sedan $216 $390 $358 $22 $108 $1,094 $91
Accord EX 2-Dr Coupe $216 $460 $476 $28 $142 $1,322 $110
Accord LX-S 2-Dr Coupe $216 $460 $476 $28 $142 $1,322 $110
Accord EX-L 2-Dr Coupe $244 $460 $476 $28 $142 $1,350 $113
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific Oklahoma City garaging location which can modify coverage rates significantly.

How high should deductibles be?

A question often asked by Oklahoma City drivers is how high should the physical damage deductibles be. The rates shown below can help you understand the differences in price when you choose different comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Honda Accord insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $336 $572 $382 $22 $114 $1,451 $121
Accord LX 4-Dr Sedan $336 $572 $382 $22 $114 $1,451 $121
Accord EX 4-Dr Sedan $336 $572 $382 $22 $114 $1,451 $121
Accord LX-P 4-Dr Sedan $336 $572 $382 $22 $114 $1,451 $121
Accord LX-P 4-Dr Sedan $336 $572 $382 $22 $114 $1,451 $121
Accord EX-L 4-Dr Sedan $386 $698 $382 $22 $114 $1,627 $136
Accord EX 2-Dr Coupe $386 $822 $506 $30 $152 $1,921 $160
Accord LX-S 2-Dr Coupe $386 $822 $506 $30 $152 $1,921 $160
Accord EX-L 2-Dr Coupe $436 $822 $506 $30 $152 $1,971 $164
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Honda Accord insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $246 $388 $382 $22 $114 $1,152 $96
Accord LX 4-Dr Sedan $246 $388 $382 $22 $114 $1,152 $96
Accord EX 4-Dr Sedan $246 $388 $382 $22 $114 $1,152 $96
Accord LX-P 4-Dr Sedan $246 $388 $382 $22 $114 $1,152 $96
Accord LX-P 4-Dr Sedan $246 $388 $382 $22 $114 $1,152 $96
Accord EX-L 4-Dr Sedan $282 $472 $382 $22 $114 $1,272 $106
Accord EX 2-Dr Coupe $282 $554 $506 $30 $152 $1,524 $127
Accord LX-S 2-Dr Coupe $282 $554 $506 $30 $152 $1,524 $127
Accord EX-L 2-Dr Coupe $318 $554 $506 $30 $152 $1,560 $130
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in garaging location in Oklahoma City which can affect insurance rates greatly.

We can estimate from the data above that using a $100 deductible will cost you approximately $28 more each month or $336 every year averaged for all Accord models than selecting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claim filings, you would most likely save money going with the higher deductible.

Safe drivers pay less for insurance

The information below demonstrates how traffic citations and at-fault claims can drive up Honda Accord insurance prices for different age categories. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Honda Accord insurance rates by age and gender

The illustration below illustrates the difference between Honda Accord insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage versus liability-only in Oklahoma City

The example below visualizes the comparison of Honda Accord yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied to the premium.

When to drop full coverage

There is no clear-cut formula to delete full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Honda Accord replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If you are paying more than $800 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

You Can Change Your Insurance Costs

A large part of saving on auto insurance is knowing some of the factors that play a part in calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that could result in better auto insurance rates. Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are more transparent such as your credit history or your vehicle rating.

These discounts can lower your car insurance quotes

Car insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of purchase, but some must be specially asked for before they will apply. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.Save money with discounts

You should keep in mind that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.

The chart below illustrates the comparison of Honda Accord insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

Companies and some of the premium reductions they offer are detailed below.

When getting a coverage quote, ask each company or agent how many discounts you can get. Savings might not apply in your area. If you would like to choose from a list of car insurance companies who offer car insurance discounts in Oklahoma, click here to view.

Car insurance agents near you

Some consumers just prefer to buy from a licensed agent and that can be a smart move A good thing about getting free rate quotes online is that you can find lower rates but also keep your business local.

Oklahoma City insurance agentsOnce you complete this short form, your insurance coverage information is immediately sent to insurance agents in Oklahoma City who want to provide quotes to get your business. You never need to visit any agencies because prices are sent to you directly. Get lower rates without a big time investment. If you want to get a comparison quote from a specific company, you can always go to their quote page and give them your coverage information.

Finding a good provider should depend on more than just the price. The answers to these questions are important, too.

If you are wanting to find a reliable agent, you need to know there are two different agency structures and how they differ in how they can insure your vehicles. Car insurance agencies can be classified as either independent agents or exclusive agents.

Exclusive Insurance Agents

Agents of this type can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to place coverage with different providers so they really need to provide good service. Exclusive insurance agents receive extensive training in insurance sales and that enables them to sell even at higher rates.

The following is a short list of exclusive insurance agents in Oklahoma City who may provide you with rate quotes.

4625 N May AveOklahoma City, OK 73112(405) 943-8373View Map

4509 NW 63rd StOklahoma City, OK 73132(405) 721-5500View Map

840 NW 50th StOklahoma City, OK 73118(405) 787-2626View Map

More Oklahoma City agents

Independent Agencies or Brokers

Agents of this type are not required to write business for one company and that enables them to quote your coverage with any number of different companies and potentially find a lower price. If prices rise, they simply move your policy to a different company without you having to go to a different agency.

If you are comparing car insurance prices, we recommend you compare prices from a couple of independent agencies for maximum quote selection.

Shown below is a short list of independent insurance agencies in Oklahoma City that are able to give price quote information.

4030 NW 10th StOklahoma City, OK 73107(405) 943-5575View Map

9026 SE 29th StOklahoma City, OK 73150(405) 600-6400View Map

5002 S Anderson RdOklahoma City, OK 73150(405) 737-6231View Map

More Oklahoma City agents

When to get professional advice

When quoting and choosing your policy for your vehicles, there is no one-size-fits-all type of policy. Everyone’s needs are different.Car insurance savings

For instance, these questions can aid in determining whether or not you could use an agent’s help.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

What is YOUR best insurance company?

You just learned a lot of information how to save on Honda Accord insurance in Oklahoma City. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a smaller regional carrier.

Some insurance companies may not have rate quotes online and usually these regional carriers only sell through local independent agents. Budget-conscious Honda Accord insurance is available online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Insureds change insurance companies for any number of reasons including delays in paying claims, questionable increases in premium, delays in responding to claim requests or high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

Additional information is located at the links below