Insurance quote for Honda Accord in CasperFinding cheaper insurance for a Honda Accord in Wyoming can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to compare car insurance rates and we'll show you the quickest way to quote coverages for your Honda and obtain the cheapest rates from both online companies and Casper agents.

You should take the time to compare premium rates on a regular basis because prices change regularly. If you had the best rate on Honda Accord insurance in Casper last year you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you're about to learn the only way to reduce your cost while increasing coverage.

If you already have coverage or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Finding and comparing the most affordable auto insurance coverage in Casper is not as confusing as people think. Drivers just have to use the best way to compare price quotes over the internet.

The following companies have been selected to offer free rate quotes in Wyoming. If multiple providers are shown, it's a good idea that you click on several of them in order to find the lowest rates.

Honda Accord Insurance Rates in Casper, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $128 $248 $344 $20 $104 $844 $70
Accord LX 4-Dr Sedan $258 $518 $396 $24 $118 $1,314 $110
Accord EX 4-Dr Sedan $166 $296 $412 $24 $124 $1,022 $85
Accord LX-P 4-Dr Sedan $168 $304 $344 $20 $104 $940 $78
Accord LX-P 4-Dr Sedan $178 $284 $314 $18 $94 $888 $74
Accord EX-L 4-Dr Sedan $148 $288 $344 $20 $104 $904 $75
Accord EX 2-Dr Coupe $134 $294 $388 $24 $116 $956 $80
Accord LX-S 2-Dr Coupe $252 $506 $418 $24 $124 $1,324 $110
Accord EX-L 2-Dr Coupe $248 $510 $490 $28 $146 $1,422 $119
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can influence coverage prices considerably.

Drive responsibly or pay higher rates

The illustration below demonstrates how citations and at-fault fender-benders can drive up Honda Accord yearly insurance costs for different insured age categories. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Deductible analysis

When shopping for car insurance, a common question is where to set your physical damage deductibles. The figures shown below outline the rate differences between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $384 $304 $18 $92 $1,065 $89
Accord LX 4-Dr Sedan $242 $384 $304 $18 $92 $1,065 $89
Accord EX 4-Dr Sedan $242 $384 $304 $18 $92 $1,065 $89
Accord LX-P 4-Dr Sedan $242 $384 $304 $18 $92 $1,065 $89
Accord LX-P 4-Dr Sedan $242 $384 $304 $18 $92 $1,065 $89
Accord EX-L 4-Dr Sedan $276 $466 $304 $18 $92 $1,181 $98
Accord EX 2-Dr Coupe $276 $550 $404 $24 $122 $1,401 $117
Accord LX-S 2-Dr Coupe $276 $550 $404 $24 $122 $1,401 $117
Accord EX-L 2-Dr Coupe $312 $550 $404 $24 $122 $1,437 $120
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Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $150 $242 $304 $18 $92 $806 $67
Accord LX 4-Dr Sedan $150 $242 $304 $18 $92 $806 $67
Accord EX 4-Dr Sedan $150 $242 $304 $18 $92 $806 $67
Accord LX-P 4-Dr Sedan $150 $242 $304 $18 $92 $806 $67
Accord LX-P 4-Dr Sedan $150 $242 $304 $18 $92 $806 $67
Accord EX-L 4-Dr Sedan $172 $294 $304 $18 $92 $880 $73
Accord EX 2-Dr Coupe $172 $346 $404 $24 $122 $1,068 $89
Accord LX-S 2-Dr Coupe $172 $346 $404 $24 $122 $1,068 $89
Accord EX-L 2-Dr Coupe $194 $346 $404 $24 $122 $1,090 $91
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in specific garaging location which can modify coverage rates considerably.

Based on these figures, using a $250 deductible costs about $25 more each month or $300 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 30 months between claim filings, you would most likely save money by selecting a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

Casper insurance discounts for a Honda Accord

Car insurance is not an enjoyable expense, but there are discounts available that you may not know about. Most are applied at the time of purchase, but some discounts are required to be asked for before you will receive the discount.Car insurance discounts

As is typical with insurance, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn't make money that way.

Companies and some of the discounts are included below.

If you need lower rates, check with all companies you are considering the best way to save money. Depending on the company, some discounts might not apply in Casper. To view insurance companies who offer discounts in Casper, click here.

Tailor your auto insurance coverage to you

When quoting and comparing your policy for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique.Auto insurance savings

Here are some questions about coverages that could help you determine if your situation would benefit from an agent's advice.

If you don't know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance advertising tricks

Consumers in Wyoming can't ignore all the ads that promise big savings for switching by State Farm, Allstate and GEICO. All the companies say the same thing that you can save if you switch your car insurance policy to them.

How is it plausible that every one can offer you a better deal on Honda Accord insurance in Casper? Just pay attention to how they say it.

All companies are able to cherry pick for a prospective insured that will add to their bottom line. An example of a profitable customer may need to be between the ages of 30 and 50, owns their home, and drives less than 10,000 miles a year. Any customer who matches those parameters will get low rates and will save quite a bit of money when switching.

People who don't measure up to those standards will probably have to pay a higher premium with the end result being business not being written. If you listen to the ad wording, they say "people who switch" not "everyone that quotes" save that much money. That is how companies can make the claims of big savings. That is why you should get Casper auto insurance quotes as often as possible. It's not possible to predict with any certainty which company will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection - This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, hail damage, vandalism and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as hospital visits, nursing services, chiropractic care, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Accord to get cheaper collision coverage.

Uninsured or underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle's damage.

Since many Wyoming drivers have only the minimum liability required by law (which is 25/50/20), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance - Liability insurance can cover injuries or damage you cause to other's property or people. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/20 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property.

Liability coverage pays for things such as repair bills for other people's vehicles, repair costs for stationary objects, legal defense fees, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Wyoming requires drivers to carry at least 25/50/20 but you should consider buying better liability coverage.

Find cheaper car insurance rates by comparing often

When searching for affordable Casper auto insurance quotes, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford.

You just learned a lot of techniques to compare Honda Accord insurance prices in Casper. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best price on car insurance is with a smaller regional carrier.

Drivers leave their current company for many reasons like high rates after DUI convictions, policy non-renewal, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, finding a great new company can be easier than you think.

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