Has it been a year or more since you last compared quotes for more affordable Honda Accord insurance in El Paso? If you're looking for lower-priced insurance on the web, are you intimidated by the sheer number of auto insurance choices in your area? Lot's of other drivers are too. Consumers have so many choices that it is a real difficult job to find better prices for Honda Accord insurance in El Paso. Lots of people think El Paso is a great place to live, but budgeting for expensive auto insurance can make it hard to afford enough coverage.
Remarkably, a study showed that nearly 70% of consumers have stayed with the same insurance company for more than four years, and just short of a majority have never quoted rates to find cheaper coverage. Texas insurance shoppers could cut their rates by roughly 70% a year just by getting comparison quotes, but they don't believe the actual amount they would save if they moved their coverage to a different company.
Verify you're earning every discount
Insurance is not an enjoyable expense, but there could be available discounts that you may not even know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit. If you're not getting every credit you qualify for, you are not getting the best rate possible.
- Employee of Federal Government - Being employed by or retired from a federal job may reduce rates when you quote El Paso car insurance but check with your company.
- Distant Student Discount - Any of your kids who are enrolled in higher education away from home and do not have a car could get you a discount.
- Own a Home - Just owning your own home may trigger a policy discount on insurance because owning a home means you have a higher level of financial diligence.
- Paperwork-free - A handful of insurance companies will provide an incentive just for signing your application on the web.
- Discount for Swiching Early - A few insurance companies allow discounts for switching policies before your current Accord insurance policy expires. You can save around 10% with this discount.
- Discount for Multiple Policies - If you can combine your homeowners and auto policy and insure them with the same company you could save 10% to 20% off each policy.
- No Claim Discounts - Drivers who don't have accidents can earn big discounts in comparison with bad drivers.
- Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
- Mature Driver Discount - Drivers that qualify as senior citizens can possibly qualify for a discount up to 10%.
We need to note that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it's just not the way it works. Any qualifying discounts will bring down your insurance premiums.
The information below illustrates the difference between Honda Accord car insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, safe-driver, and multi-policy discounts applied.
To locate providers who offer insurance discounts in Texas, click here.
The most recommended method to compare car insurance company rates for Honda Accord insurance in El Paso is to realize most of the larger companies participate in online systems to compare their rates. The one thing you need to do is spend a couple of minutes providing details such as if you have an active license, what your job is, an estimate of your credit level, and how much you drive. Those rating factors is instantly provided to multiple auto insurance providers and they provide comparison quotes with very little delay.
If you would like to compare rates now, click here and complete the form.
The following companies offer price quotes in Texas. If more than one company is shown, we recommend you click on several of them in order to find the lowest rates.
Premium rates and analysis
The table shown next showcases estimates of insurance coverage prices for Honda Accord models. Understanding how insurance policy premiums are formulated can help you make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $326 | $486 | $424 | $26 | $128 | $1,390 | $116 |
| Accord LX 4-Dr Sedan | $326 | $486 | $424 | $26 | $128 | $1,390 | $116 |
| Accord EX 4-Dr Sedan | $326 | $486 | $424 | $26 | $128 | $1,390 | $116 |
| Accord LX-P 4-Dr Sedan | $326 | $486 | $424 | $26 | $128 | $1,390 | $116 |
| Accord LX-P 4-Dr Sedan | $326 | $486 | $424 | $26 | $128 | $1,390 | $116 |
| Accord EX-L 4-Dr Sedan | $374 | $592 | $424 | $26 | $128 | $1,544 | $129 |
| Accord EX 2-Dr Coupe | $374 | $698 | $564 | $34 | $168 | $1,838 | $153 |
| Accord LX-S 2-Dr Coupe | $374 | $698 | $564 | $34 | $168 | $1,838 | $153 |
| Accord EX-L 2-Dr Coupe | $422 | $698 | $564 | $34 | $168 | $1,886 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific El Paso garaging location which can revise coverage rates greatly.
The information below shows how choosing a deductible and can change Honda Accord premium costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Insurance premiums by gender
The information below visualizes the comparison of Honda Accord auto insurance rates for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.
Honda Accord liability-only versus full coverage
The illustration below compares Honda Accord car insurance costs when comparing full coverage to state minimum liability only. The costs are based on no accidents, no driving violations, $100 deductibles, single marital status, and no other discounts are factored in.
Deciding between full coverage and liability only
There is no set guideline of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let's assume your Honda Accord claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying over $400 annually for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.
Special considerations
When it comes to choosing insurance from an agent or online, there really is no cookie cutter policy. Your needs are unique to you and a cookie cutter policy won't apply.
For instance, these questions can aid in determining whether your personal situation could use an agent's help.
- When does my teenage driver need to be added to my policy?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is high-risk coverage and where do I buy it?
- Am I covered when driving in Canada or Mexico?
- Are rock-chip repairs free?
- Will my insurance pay for OEM parts?
- Does every company file a SR-22 automatically?
- Should I have combined single limit or split liability limits?
- Does medical payments coverage apply to all occupants?
- What vehicles should carry emergency assistance coverage?
If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
When should I have guidance from an insurance agent?
Some consumers just want to talk to an insurance agent and that is OK! One of the benefits of getting online price quotes is the fact that drivers can get the best rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, your coverage information is immediately sent to local insurance agents in El Paso who will give competitive quotes for your coverage. There is no need to find an agent due to the fact that quote results will go instantly to you. It's the lowest rates and a licensed agent to talk to. If you have a need to get a price quote from a specific company, feel free to jump over to their website and complete a quote there.
Finding a good company is decision based upon more than just a cheap quote. Any agent in El Paso should have no problem answering these questions:
- How are claims handled?
- How long has the business existed?
- How often do they review coverages?
- How is replacement cost determined on your vehicle?
- Are you getting all the discounts the company offers?
- Does the company use OEM repair parts?
- Do they prorate repair cost based on vehicle mileage?
- Are there any extra charges for paying monthly?
When narrowing the list to find a local El Paso insurance agency, it's important to understand the types of insurance agents and how they can service your needs differently. Agencies in El Paso may be either independent or exclusive depending on the company they work for.
Exclusive Agents
Exclusive agencies can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agents receive a lot of sales training on what they offer which helps them compete with independent agents. Drivers often use the same agent mainly due to loyalty to the company and solid financial strength.
The following are El Paso exclusive agents that can give you comparison quotes.
- Eric Fierro - State Farm Insurance Agent
2200 N Yarbrough Dr c - El Paso, TX 79925 - (915) 595-3622 - View Map - Sandra Serna - State Farm Insurance Agent
10965 Ben Crenshaw, Ste D3 - El Paso, TX 79935 - (915) 591-0727 - View Map - Crystal Martinez - State Farm Insurance Agent
12295 Pellicano Dr #2 - El Paso, TX 79936 - (915) 855-8555 - View Map
Independent Auto Insurance Agents
These agents do not write with just one company and that allows them to write policies with many different companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part.
If you need cheaper auto insurance rates, you need to check rates from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with additional companies that you may not be familiar with which can save you money.
Shown below are independent insurance agencies in El Paso willing to provide comparison quotes.
- Cielo Vista Insurance
1132 Geronimo Dr - El Paso, TX 79925 - (915) 772-1406 - View Map - Desert West Insurance Agency, Inc.
7500 Viscount Blvd #101 - El Paso, TX 79925 - (915) 751-6060 - View Map - RedRock Insurance Agency
1029 N Zaragoza Rd A - El Paso, TX 79907 - (915) 858-1400 - View Map
Upon getting good feedback as well as a price you're happy with, it's possible that you found a car insurance agent that can adequately provide auto insurance.
How to find a good El Paso auto insurance company
Picking the best company can be difficult considering how many companies there are to choose from in El Paso. The company information in the next section can help you analyze which auto insurance companies you want to consider to insure your vehicles.
Top 10 El Paso Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 El Paso Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Be persistent to save money
Cheap Honda Accord insurance in El Paso can be sourced from both online companies and also from your neighborhood El Paso agents, so you need to shop El Paso car insurance with both in order to have the best price selection to choose from. A few companies may not have price quotes online and these small, regional companies only sell through local independent agents.
When shopping online for auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed physical damage coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price.
Steps to saving money on Honda Accord insurance in El Paso
It takes a little time, but the best way to find the cheapest price for Honda Accord insurance in El Paso is to start comparing prices regularly from insurers that sell auto insurance in Texas. Drivers can shop around by following these steps.
First, try to comprehend coverages and the things you can change to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as tickets, at-fault accidents, and a bad credit rating can be amended by improving your driving habits or financial responsibility.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from many different companies. Begin your rate comparison
Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key aspect of shopping around is to compare the same deductibles and limits on each quote request and and to get quotes from as many companies as possible. This guarantees a level playing field and the best price selection.
Additional detailed information can be found by following these links:
- Driving in Bad Weather (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)
- Things to Know Before you Cancel Insurance (Allstate)
- Older Driver Statistics (Insurance Information Institute)