A recent auto insurance study revealed that a large majority of drivers have been with the same company for more than four years, and nearly the majority have never quoted rates to find cheap coverage. Many drivers in Long Beach could save an average of as much as $469 each year just by comparing rates, but most tend to underestimate how much savings they would realize if they switched.
The easiest way to find better pricing on Honda Accord insurance in Long Beach is to start comparing prices regularly from insurers who sell insurance in California.
- Step 1: It will benefit you to learn about policy coverages and the things you can change to prevent rate increases. Many factors that cause rate increases such as at-fault accidents, careless driving, and a low credit rating can be eliminated by making minor driving habit or lifestyle changes. Continue reading for ideas to prevent rate hikes and find additional discounts you may qualify for.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources.
- Step 3: Compare the new rate quotes to the premium of your current policy and determine if cheaper Accord coverage is available. If you can save money, make sure there is no coverage gap between policies.
One bit of advice is that you use identical deductibles and limits on every quote and and to analyze every insurance company. Doing this ensures the most accurate price comparison and a complete price analysis.
Cheap companies for Honda Accord insurance
The providers in the list below have been selected to offer price comparisons in California. If multiple companies are listed, we recommend you visit as many as you can in order to find the most affordable rates.
Rate information and statistics
The coverage information shown below outlines different insurance premium costs for Honda Accord models. Learning a little about how insurance policy premiums are established is important for drivers to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| Accord LX 4-Dr Sedan | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| Accord EX 4-Dr Sedan | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| Accord LX-P 4-Dr Sedan | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| Accord LX-P 4-Dr Sedan | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| Accord EX-L 4-Dr Sedan | $366 | $776 | $488 | $28 | $146 | $1,804 | $150 |
| Accord EX 2-Dr Coupe | $366 | $914 | $650 | $38 | $194 | $2,162 | $180 |
| Accord LX-S 2-Dr Coupe | $366 | $914 | $650 | $38 | $194 | $2,162 | $180 |
| Accord EX-L 2-Dr Coupe | $412 | $914 | $650 | $38 | $194 | $2,208 | $184 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices significantly.
Should you raise deductibles?
One common question asked by Long Beach drivers is which comprehensive and collision deductibles to buy. The data tables below can help you understand the cost difference between low and high deductibles. The first table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord LX 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord EX 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord LX-P 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord LX-P 4-Dr Sedan | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Accord EX-L 4-Dr Sedan | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Accord EX 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Accord LX-S 2-Dr Coupe | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Accord EX-L 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Accord LX 4-Dr Sedan | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Accord EX 4-Dr Sedan | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Accord LX-P 4-Dr Sedan | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Accord LX-P 4-Dr Sedan | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Accord EX-L 4-Dr Sedan | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Accord EX 2-Dr Coupe | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Accord LX-S 2-Dr Coupe | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Accord EX-L 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in zip code location which can impact premiums considerably.
Based on the above data, using a $100 deductible costs roughly $28 more each month or $336 for a full year than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 14 months between claims, you would probably save some money if you decide on a higher deductible.
Auto insurance premiums based on gender
The diagram below illustrates the difference between Honda Accord insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, full coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The example below shows the comparison of Honda Accord auto insurance rates with liability coverage only compared to full coverage. The costs are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no specific rule for eliminating comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 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 $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $6,000 after you pay the deductible. If you are paying in excess of $600 a year for full coverage, then you might want to think about dropping full coverage.
There are a few situations where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Don’t overlook these Honda Accord insurance discounts
Companies offering auto insurance don’t always advertise every discount very clearly, so the list below contains a few of the more common and the harder-to-find credits available to lower your premiums when you buy Long Beach car insurance online.
- Driver Safety – Passing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Auto/Life Discount – Select car insurance companies reward you with a discount if you purchase auto and life insurance together.
- Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
- Bundle and Save – If you have multiple policies with the same company you could get a discount of up to 20% and get you affordable Honda Accord insurance rates in Long Beach.
- Sign Early and Save – A few insurance companies allow discounts for buying a new policy prior to your current Accord insurance policy expiring. The savings is around 10%.
- Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
- Low Mileage Discounts – Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 25 to 30%.
- Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Long Beach car insurance with some car insurance companies.
- Telematics Devices – People who choose to allow their insurance company to analyze driving patterns by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky.
The chart below compares Honda Accord car insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.
Some companies that possibly offer most of the discounts above include:
When getting free Long Beach car insurance quotes, it’s a good idea to all the companies to apply every possible discount. Depending on the company, some discounts may not apply to policies in Long Beach. To view insurance companies that offer discounts in California, click this link.
Learn How to Quote Car Insurance Cheaper
It’s important that you understand the factors that play a part in calculating your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that may reward you with much lower annual insurance costs. Many things are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are more transparent such as your credit history or how financially stable you are.
Listed below are a partial list of the pieces used by your company to calculate your rates.
Multiple policies with one company can save – Some car insurance companies provide discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other Long Beach Accord insurance rates to verify if the discount is saving money.
How much liability insurance – Your car insurance policy’s liability coverage will afford coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
Stay claim-free and save – If you file claims often, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies in California provide better rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
You might pay higher prices if you are single – Having a wife or husband can get you a discount on your car insurance policy. It translates into being more responsible it has been statistically shown that being married results in fewer claims.
Premiums impacted by vehicle usage – The higher the miles on your Honda in a year’s time the more it will cost to insure it. Almost all companies apply a rate partially by how you use the vehicle. Autos that do not get driven very much can be on a lower rate level than those that get driven frequently. Having the wrong rating on your Accord may be wasting your money. It’s a good idea to make sure your car insurance policy reflects how each vehicle is driven, because it can save money.
Never let your car insurance policy lapse – Not maintaining insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance may result in a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.
Insurance loss probability for a Honda Accord – Insurance companies use past loss statistics for each vehicle to help set a rate to offset losses. Vehicles that the data determines to have a higher amount or frequency of claims will have a higher premium rate.
The table below outlines the actual insurance loss data for Honda Accord vehicles. For each type of coverage, the claim amount for all vehicles, without regard to make or model, is represented as 100. Values that are below 100 indicate a favorable loss history, while percentage values above 100 show a trend for more claims or statistically larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Accord | 91 | 85 | 90 | 122 | 117 | 94 |
| Honda Accord Hybrid | 96 | 80 | 98 | 89 | 76 | 84 |
| Honda Accord Crosstour 4dr 2WD | 85 | 97 | 83 | 122 | 113 | 94 |
| Honda Accord Crosstour 4dr 4WD | 99 | 102 | 94 | 120 | 93 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You are unique and your insurance should be too
When choosing the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that
For example, these questions can aid in determining whether your personal situation could use an agent’s help.
- Do I need replacement cost coverage on my Honda Accord?
- How do I insure my teen driver?
- Should I buy only the required California minimum liability coverage?
- Should I buy full coverage?
- How much liability do I need to cover my assets?
- Am I covered when pulling a rental trailer?
- At what point should I drop full coverage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered if I wreck a rental car?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Exclusive versus independent auto insurance agents
Many drivers just want to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of getting online price quotes is the fact that you can find cheap car insurance quotes and still choose a local agent. And supporting local insurance agencies is definitely important in Long Beach.
After completing this quick form, your insurance coverage information is instantly submitted to local insurance agents that give free quotes for your insurance coverage. You don’t have to search for any insurance agencies as quotes are delivered immediately to your email address. You can find lower rates and work with a local agent. If for some reason you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and submit a quote form there.
When narrowing the list to find local Long Beach agents, it’s helpful to know the types of insurance agents and how they work. Car insurance agencies are either independent or exclusive depending on the company they work for.
Independent Insurance Agents
Independent agents are not employed by any specific company and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. If your premiums go up, your agent can switch companies without you having to go to a different agency.
When comparing rates, you will want to get quotes from independent agents to have the best price comparison. Most can insure with companies you’ve never heard of which could offer lower prices.
Below is a small list of independent agencies in Long Beach that can give you pricing information.
- Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map - Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map
Exclusive Agencies
Exclusive agencies are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on the products they sell which helps them compete with independent agents. Some consumers prefer to use the same agent mostly because of the prominent brand name instead of buying on price only.
The following are Long Beach exclusive agents who can help you get price quote information.
- State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map - Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map - Farmers Insurance: Paul Soeung
2338 E Anaheim St #101a – Long Beach, CA 90804 – (562) 856-0328 – View Map
Finding a good car insurance agent should include more criteria than just a low price. Here are some questions you might want to ask.
- Are there any extra charges for paying monthly?
- Is the quote a firm price?
- How many companies do they write for?
- Do they regularly work with personal auto policies in Long Beach?
- Are you getting all the discounts the company offers?
- What will you get paid if your car is a total loss? How is that amount determined?
- How are claims handled?
Frequent quotes can save
Some insurance companies do not provide online rate quotes and many times these small insurance companies work with local independent agencies. Budget-conscious Honda Accord insurance can be sourced on the web and with local Long Beach insurance agents, so you need to compare both in order to have the best price selection to choose from.
When searching for affordable Long Beach car insurance quotes, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut liability coverage limits only to discover later that it was a big mistake. Your strategy should be to buy enough coverage at the best cost, but do not skimp to save money.
We covered a lot of ways to shop for Honda Accord insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Honda Accord insurance quotes. You may even be surprised to find that the biggest savings come from a small local company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.
For more information, link through to the following helpful articles:
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Long Beach Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Santa Fe in Long Beach? (FAQ)
- Who Has Cheap Long Beach Car Insurance Rates for Seniors? (FAQ)
- What Insurance is Cheapest for a Ford F-150 in Long Beach? (FAQ)
- Who Has Cheap Long Beach Car Insurance for Handicapped Drivers? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Cellphones, Texting and Driving (iihs.org)