Searching for lower-priced Honda Accord insurance in Charleston? Finding low-cost insurance for a Honda Accord in South Carolina can normally be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to buy insurance and we'll show you the best way to compare rates for your Honda and get the lowest possible price.

Insurance quote for Honda Accord in CharlestonUnthinkable but true, the vast majority of consumers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never taken the time to shop around. South Carolina drivers could save nearly 55% every year, but they don't understand how simple it is to do a rate comparison.

Consumers should take time to shop coverage around as often as possible because insurance prices change frequently. Just because you found the best deal on Honda Accord insurance in Charleston last year there is a good chance you can find better rates now. You can find a lot of wrong information about Accord insurance on the internet, but in just a couple of minutes you can learn some great ideas on how to reduce your insurance bill.

If you have coverage now or are just looking to switch companies, use these techniques to reduce the price you pay and still have adequate protection. Quoting the lowest cost auto insurance coverage in Charleston is not as confusing as people think. You just have to understand the least time-consuming way to compare price quotes online.

Finding cheap car insurance rates is not a difficult process. You just have to spend a little time comparing rates from online providers.

The companies shown below have been selected to offer price comparisons in South Carolina. If more than one company is shown, it's a good idea that you visit as many as you can to get the best price comparison.

Honda Accord Insurance Costs in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $146 $250 $278 $16 $84 $774 $65
Accord LX 4-Dr Sedan $160 $304 $328 $20 $98 $910 $76
Accord EX 4-Dr Sedan $198 $358 $304 $18 $92 $970 $81
Accord LX-P 4-Dr Sedan $146 $250 $278 $16 $84 $774 $65
Accord LX-P 4-Dr Sedan $122 $236 $328 $20 $98 $804 $67
Accord EX-L 4-Dr Sedan $166 $298 $272 $16 $82 $834 $70
Accord EX 2-Dr Coupe $206 $478 $502 $30 $150 $1,366 $114
Accord LX-S 2-Dr Coupe $294 $624 $386 $22 $116 $1,442 $120
Accord EX-L 2-Dr Coupe $186 $350 $362 $22 $108 $1,028 $86
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific location which can alter auto insurance rates considerably.

Honda Accord insurance rates by age and gender

The chart below compares Honda Accord yearly insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $500 deductibles, single marital status, and no discounts are applied to the premium.

Higher deductibles lower rates

The illustration below shows how different deductible levels and can affect Honda Accord yearly insurance costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Higher deductibles lower rates

One of the most common auto insurance questions is how low should you set your deductibles. The premium rates below can help you understand the differences in premium rates of buying low and high policy deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second set of rates 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 $256 $436 $290 $18 $86 $1,111 $93
Accord LX 4-Dr Sedan $256 $436 $290 $18 $86 $1,111 $93
Accord EX 4-Dr Sedan $256 $436 $290 $18 $86 $1,111 $93
Accord LX-P 4-Dr Sedan $256 $436 $290 $18 $86 $1,111 $93
Accord LX-P 4-Dr Sedan $256 $436 $290 $18 $86 $1,111 $93
Accord EX-L 4-Dr Sedan $294 $530 $290 $18 $86 $1,243 $104
Accord EX 2-Dr Coupe $294 $624 $386 $22 $116 $1,467 $122
Accord LX-S 2-Dr Coupe $294 $624 $386 $22 $116 $1,467 $122
Accord EX-L 2-Dr Coupe $332 $624 $386 $22 $116 $1,505 $125
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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 $186 $294 $290 $18 $86 $874 $73
Accord LX 4-Dr Sedan $186 $294 $290 $18 $86 $874 $73
Accord EX 4-Dr Sedan $186 $294 $290 $18 $86 $874 $73
Accord LX-P 4-Dr Sedan $186 $294 $290 $18 $86 $874 $73
Accord LX-P 4-Dr Sedan $186 $294 $290 $18 $86 $874 $73
Accord EX-L 4-Dr Sedan $214 $358 $290 $18 $86 $966 $81
Accord EX 2-Dr Coupe $214 $422 $386 $22 $116 $1,160 $97
Accord LX-S 2-Dr Coupe $214 $422 $386 $22 $116 $1,160 $97
Accord EX-L 2-Dr Coupe $242 $422 $386 $22 $116 $1,188 $99
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in Charleston location which can increase or decrease auto insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $22 more each month or $264 every year than buying the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 18 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Why auto insurance is not optional

Despite the high cost of buying insurance for a Honda Accord in Charleston, paying for auto insurance is required for several reasons.

First, most states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance in order to drive the car. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Accord, it's most likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Honda at a significantly higher premium and require you to fork over the higher price.

Third, insurance protects not only your car but also your financial assets. Insurance will pay for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. But the average driver in South Carolina is overpaying over $750 every year so it's important to compare rates at every policy renewal to ensure rates are competitive.

You Can Change Your Insurance Prices

Many factors are considered when premium rates are determined. Some are obvious like an MVR report, but other criteria are more transparent such as your marital status or your vehicle rating. Part of the car insurance buying process is learning a few of the rating criteria that help determine the rates you pay for car insurance. If you know what impacts premium levels, this enables you to make decisions that may result in big savings.

Add-on coverages that aren't used - There are quite a few extra coverages you can purchase when buying car insurance. Add-on coverages like personal injury protection, accidental death, and extra equipment coverage are some examples. They may seem good when talking to your agent, but if you don't need them eliminate them to save money.

Optional features can affect prices - Driving a car that has a built-in theft deterrent system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.

Rates may be lower depending on your employer - Jobs such as judges, airline pilots, and accountants tend to pay higher average rates due to high stress levels and lengthy work days. Conversely, professions such as scientists, athletes and performers pay lower than average rates.

Marriage reduces risk - Getting married helps lower the price on your car insurance bill. It usually means you are more responsible it has been statistically shown that drivers who are married file infrequent claims.

Better prices on cars with good safety ratings - Vehicles with good safety scores can get you lower premiums. Vehicles built for safety reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If your Honda Accord earned at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may qualify for a discount.

Impacts performance impacts auto insurance premiums - The make and model of the car you own makes a significant difference in the rate you pay. The lowest premiums are generally reserved for lower cost passenger vehicles, but your final cost has many other factors. Due to the fact that the Honda Accord is classified as a passenger car, insurance will be similar in price or lower as compared to the average rate in Charleston.

Drivers with good credit save on car insurance - Your credit score is a big factor in determining premium rates. If your credit score can be improved, you may save money insuring your Honda Accord by taking the time to improve your credit score. Insureds with high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.

Insurance losses for a Honda Accord - Insurance companies use past insurance losses when they set coverage costs for each model. Vehicles that statistically have high amounts or severity of claims will have higher rates for specific coverages.

The data below shows the actual insurance loss data for Honda Accord vehicles. For each coverage category, the statistical loss for all vehicles averaged together is considered to be 100. Percentages below 100 suggest a better than average loss history, while values that are above 100 indicate more frequent claims or an increased chance of larger losses than average.

Insurance Loss Ratings for Honda Accord Vehicles

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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get cheaper Honda Accord insurance in Charleston with discounts

Some insurance providers don't always advertise all their discounts in an easy-to-find place, so here is a list some of the best known as well as some of the hidden discounts you could be receiving when you buy Charleston auto insurance online.Auto insurance discounts

A little note about advertised discounts, most credits do not apply to the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free auto insurance policy, you aren't that lucky.

To find providers who offer online Honda Accord insurance quotes in Charleston, click this link.

Your situation helps dictate your coverage

Always keep in mind that when comparing the best auto insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different.Higher deductibles save money

For example, these questions may help you determine if your situation might need professional guidance.

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can help protect your family.

Are insurance agencies used anymore?

Many people still like to talk to an insurance agent and that is just fine! Good agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting free rate quotes online is the fact that drivers can get the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this simple form, your insurance data is immediately sent to local insurance agents that provide free Charleston auto insurance quotes for your auto insurance coverage. There is no need to find an agent on your own since price quotes are sent straight to your inbox. If for some reason you want to quote rates from a specific company, feel free to search and find their rate quote page and fill out their quote form.

Finding a good company requires more thought than just the quoted price. A good agent in Charleston will have answers to these questions.

When finding an insurance agent, it's important to understand the types of agencies that you can choose from. Auto insurance agencies are classified as either exclusive agents or independent agents. Both types of agents can write policy coverage, but it's important to point out the differences because it can influence the selection process.

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agencies receive extensive training on their company's products and that enables them to sell even at higher rates. Some insured continue to buy from exclusive agents mostly because of the brand rather than having the cheapest rates.

Listed below is a short list of exclusive agents in Charleston willing to provide price quote information.

More Charleston agents

Independent Agents

Agents in the independent channel are not restricted to one company so as a result can place your coverage amongst many companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house and that require little work on your part. When comparing auto insurance rates, you should always get quotes from at least one independent agent to maximize your price options. They also have the ability to place coverage with different regional companies that may provide cheaper auto insurance rates.

Shown below are independent agencies in Charleston willing to provide comparison quotes.

More Charleston agents

Cheaper insurance rates are out there

We just showed you some good ideas how to shop for Honda Accord insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of getting inexpensive Charleston auto insurance quotes. Consumers could even find that the lowest prices are with an unexpected company.

Consumers switch companies for a number of reasons such as policy non-renewal, not issuing a premium refund, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper Honda Accord insurance in Charleston can be sourced from both online companies and from local insurance agents, so you need to quote Charleston auto insurance with both to have the best selection. Some companies may not have price quotes online and many times these regional carriers only sell coverage through independent insurance agencies.

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