Do you want to learn how to find the cheapest car insurance rates in Seattle, WA? Seattle drivers have a choice when trying to find low-cost Honda Accord insurance. They can either waste time calling around trying to get quotes or use the internet to get rate quotes. There are both good and bad ways to compare car insurance rates and you need to know the proper way to price shop coverage for a Honda and find the best price possible either online or from Seattle insurance agents.
Astonishng but true according to a recent study, the vast majority of drivers kept their policy with the same company for over three years, and just short of a majority have never even compared quotes to find lower-cost rates. The average driver in the United States could cut their rates by $850 a year by just comparing quotes, but most just don’t grasp how much money they would save if they moved their coverage to a different company.
Lower rate quotes with discounts
Car insurance companies don’t always publicize all available discounts very clearly, so the list below gives a summary of both the well known and the more hidden discounts that may be available.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
- Drivers Education – Require your teen driver to successfully take a driver’s education course if it’s offered in school.
- Drive Less and Save – Maintaining low annual mileage could earn better premium rates on cars that stay parked.
- Policy Bundle Discount – If you have multiple policies and insure them with the same company you could earn a discount of at least 10% off all policies.
- Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
- Early Signing – Some insurance companies give discounts for switching to them prior to the expiration date on your current Accord insurance policy. It’s a savings of about 10%.
- Federal Employees – Federal government employees could qualify for a slight premium decrease with select insurance companies.
- More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
- ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
It’s important to understand that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
Some of the insurance companies that may offer quotes with some of the above discounts include:
Check with every prospective company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your state.
How to lower your Honda Accord insurance cost in Seattle, WA
The companies shown below are ready to provide comparison quotes in Washington. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $214 | $368 | $256 | $16 | $76 | $930 | $78 |
| Accord LX 4-Dr Sedan | $146 | $234 | $258 | $16 | $78 | $732 | $61 |
| Accord EX 4-Dr Sedan | $252 | $376 | $328 | $20 | $98 | $1,074 | $90 |
| Accord LX-P 4-Dr Sedan | $184 | $254 | $328 | $20 | $98 | $884 | $74 |
| Accord LX-P 4-Dr Sedan | $96 | $168 | $240 | $14 | $72 | $590 | $49 |
| Accord EX-L 4-Dr Sedan | $178 | $350 | $326 | $20 | $98 | $972 | $81 |
| Accord EX 2-Dr Coupe | $176 | $376 | $314 | $18 | $94 | $978 | $82 |
| Accord LX-S 2-Dr Coupe | $136 | $278 | $340 | $20 | $102 | $876 | $73 |
| Accord EX-L 2-Dr Coupe | $208 | $364 | $334 | $20 | $100 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in Seattle location which can alter price quotes greatly.
Where to set your deductibles
When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates can help show the differences in premium rates between high and low comp and collision deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $198 | $316 | $250 | $14 | $76 | $879 | $73 |
| Accord LX 4-Dr Sedan | $198 | $316 | $250 | $14 | $76 | $879 | $73 |
| Accord EX 4-Dr Sedan | $198 | $316 | $250 | $14 | $76 | $879 | $73 |
| Accord LX-P 4-Dr Sedan | $198 | $316 | $250 | $14 | $76 | $879 | $73 |
| Accord LX-P 4-Dr Sedan | $198 | $316 | $250 | $14 | $76 | $879 | $73 |
| Accord EX-L 4-Dr Sedan | $228 | $384 | $250 | $14 | $76 | $977 | $81 |
| Accord EX 2-Dr Coupe | $228 | $452 | $334 | $20 | $100 | $1,159 | $97 |
| Accord LX-S 2-Dr Coupe | $228 | $452 | $334 | $20 | $100 | $1,159 | $97 |
| Accord EX-L 2-Dr Coupe | $258 | $452 | $334 | $20 | $100 | $1,189 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Accord LX 4-Dr Sedan | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Accord EX 4-Dr Sedan | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Accord LX-P 4-Dr Sedan | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Accord LX-P 4-Dr Sedan | $162 | $254 | $250 | $14 | $76 | $756 | $63 |
| Accord EX-L 4-Dr Sedan | $186 | $310 | $250 | $14 | $76 | $836 | $70 |
| Accord EX 2-Dr Coupe | $186 | $364 | $334 | $20 | $100 | $1,004 | $84 |
| Accord LX-S 2-Dr Coupe | $186 | $364 | $334 | $20 | $100 | $1,004 | $84 |
| Accord EX-L 2-Dr Coupe | $208 | $364 | $334 | $20 | $100 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific zip code location which can influence auto insurance rates significantly.
Based on the above data, using a $250 deductible will cost you about $11 more each month or $132 for a full year than choosing the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would come out ahead if you opt for a higher deductible.
Car insurance premiums based on gender
The information below shows the difference between Honda Accord auto insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.
Difference between full coverage and liability only rates
The diagram below visualizes the comparison of Honda Accord auto insurance costs with liability coverage only compared to full coverage. The rates are based on no claims or driving violations, $1,000 deductibles, single female driver, and no discounts are factored in.
Should you pay for full coverage?
There is no definitive formula of when to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Honda Accord replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
What insurance coverages do I need?
Always remember that when buying adequate coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique and your insurance should unique, too.
For example, these questions can help discover whether or not you might need professional guidance.
- When do I need to add a new car to my policy?
- Does low annual mileage earn a discount?
- When would I need additional glass coverage?
- What is GAP insurance?
- Is a fancy paint job covered?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered when using my vehicle for business?
- Can I cancel at any time?
- Who sells insurance for high-risk drivers?
If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Local Seattle insurance agents and auto insurance
Many drivers prefer to sit down and talk to an agent and doing so can bring peace of mind Professional agents can point out coverage gaps and help you file claims. One of the benefits of price shopping on the web is that you can find the lowest rates but also keep your business local.
Once you complete this quick form, your information is submitted to companies in Seattle who will return price quotes for your business. There is no reason to contact any agents because prices are sent directly to you. If for some reason you want to compare prices from a specific company, you just need to search and find their rate quote page to submit a rate quote request.
Finding a good insurance company requires more thought than just the price. The questions below may impact your decision as well.
- Where are claims handled?
- What kind of financial rating does the company have?
- Where would your vehicle be repaired?
- Will a damage claim use OEM or aftermarket replacement parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they see any coverage gaps in your plan?
If you need to find a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Agents can either be exclusive agents or independent agents. Either one can provide auto insurance policies, but it’s important to point out how they differ since it may influence the type of agent you choose.
Exclusive Agents
Agents that elect to be exclusive can only provide one company’s prices like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so always compare other rates. They are usually well trained on what they offer and that enables them to sell even at higher rates. Drivers often use the same exclusive agent mostly because of loyalty to the company and strong financial ratings.
The following is a list of exclusive insurance agents in Seattle that are able to give price quote information.
- Melinda Elkin – State Farm Insurance Agent
7104 Greenwood Ave N – Seattle, WA 98103 – (206) 784-6560 – View Map - David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map - Olivia Crelencia – State Farm Insurance Agent
502 Rainier Ave S Ste 102 – Seattle, WA 98144 – (206) 725-2424 – View Map
Independent Agents
Agents of this type often have affiliation with several companies so as a result can place your coverage with any number of different companies and get you the best rates possible. If they find a lower price, your agent can just switch to a different company which requires no work on your part.
If you need cheaper auto insurance rates, we recommend you get several quotes from a couple of independent agencies to have the best price comparison. Many write coverage with lesser-known insurance companies that may provide cheaper auto insurance rates.
Listed below is a short list of independent agencies in Seattle that can give you price quotes.
- Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map - Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map - Secord Agency Insurance
265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map
The lowest rates come from being thorough
When searching for the cheapest Honda Accord rate quotes, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
Low-cost Honda Accord insurance in Seattle can be purchased on the web and with local Seattle insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these small, regional companies prefer to sell through independent agents.
More articles
- Understanding Limits and Deductibles (Allstate)
- How Much are Seattle Car Insurance Rates for State Employees? (FAQ)
- How Much are Seattle Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
- Who Has Affordable Car Insurance Rates for a Company Car in Seattle? (FAQ)
- How Much are Auto Insurance Quotes for 18 Year Olds in Seattle? (FAQ)
- Who Has Cheap Seattle Car Insurance Quotes for Active Military? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- Vehicle Safety Ratings (iihs.org)