Nobody that owns a car looks forward to buying insurance, especially when they could lower their rates if they shopped around.

Insurance for Honda AccordRemarkably, a study showed that most insurance buyers in North Dakota have been with the same company for at least the last four years, and nearly the majority have never quoted rates to find cheaper coverage. The average driver in the United States can save hundreds of dollars each year, but they don't know the amount of money they would save if they moved their coverage to a different company.

Since drivers have many choices for buying cheaper insurance for a Honda Accord in Bismarck, it can be diffult for people to choose the right company.

It's smart to compare rates at least once a year because prices fluctuate regularly. Just because you had the lowest price on Honda Accord insurance in Bismarck six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're about to learn how to quote online to find lower rates on insurance.

To find cheaper Bismarck car insurance quotes, there are several ways of comparing price quotes from car insurance companies in your area. The fastest way to lower the rate you pay for Honda Accord insurance is to use the internet to compare rates.

Doing online price quotes comparisons is so easy that it makes it a waste of time to spend time driving to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you have a complicated situation and need the personal advice that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop your insurance online and still use a local agent. Just remember that quoting more helps improve the odds of finding the best price. Some regional insurers cannot provide online Bismarck Accord insurance quotes, so you need to compare price estimates from them, too.

The companies shown below offer quotes in North Dakota. If more than one company is shown, we suggest you visit several of them in order to find the lowest rates.

Honda Accord Insurance Costs in Bismarck, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $114 $188 $266 $16 $80 $664 $55
Accord LX 4-Dr Sedan $160 $256 $262 $16 $78 $772 $64
Accord EX 4-Dr Sedan $196 $366 $334 $20 $100 $1,016 $85
Accord LX-P 4-Dr Sedan $114 $188 $266 $16 $80 $664 $55
Accord LX-P 4-Dr Sedan $114 $188 $266 $16 $80 $664 $55
Accord EX-L 4-Dr Sedan $144 $248 $258 $16 $78 $744 $62
Accord EX 2-Dr Coupe $164 $368 $360 $22 $108 $1,022 $85
Accord LX-S 2-Dr Coupe $224 $544 $360 $22 $108 $1,258 $105
Accord EX-L 2-Dr Coupe $214 $374 $342 $20 $102 $1,052 $88
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can modify auto insurance rates substantially.

Auto insurance prices based on gender

The example below compares Honda Accord car insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.

Cheaper rates with these discounts

Car insurance companies don't necessarily list all available discounts in an easy-to-find place, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.Cheaper car insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free car insurance policy, it just doesn't work that way.

A list of companies and a partial list of their discounts are detailed below.

When comparing rates, check with each insurance company to give you their best rates. Depending on the company, some discounts may not apply in your state. To find car insurance companies with discount car insurance rates in North Dakota, click this link.

Honda Accord Insurance Cost Factors

The best way to find cheaper insurance is to take a look at some of the things that help determine your premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in lower insurance prices.

The list below includes a partial list of the pieces that factor into prices.

Lower performance equals lower insurance premiums - The type of car you need to insure makes a significant difference in your premium level. Because the Honda Accord falls in the passenger car class, insurance will be similar in price or lower compared to average rates in Bismarck. Low performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.

Stress out and pay more - Did you know your insurance rates can be affected by your occupation? Careers such as fire fighters, airline pilots, and emergency personnel generally have the highest rates due to intense work requirements and extremely grueling work hours. On the other hand, jobs such as actors, athletes and retirees have the lowest average rates.

Car plus home equals more savings - Most major companies apply a discount to customers that have more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's always a smart idea to compare other Bismarck Accord insurance rates to guarantee you are still saving the most.

Better rates for continuous coverage - Having a gap between insurance policy dates is a fast way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance can result in fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the North Dakota DMV.

Car features can affect insurance rates - Selecting a car model that has a built-in theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.

Males pay more for auto insurance - Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean women are better drivers. Women and men tend to get into accidents at a similar rate, but guys have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.

Insurance losses for a Honda Accord - Insurers use historical loss data when they calculate premium rates for each model. Models that the data determines to have a trend towards higher claims will be charged more to insure. The table below outlines the compiled insurance loss statistics for Honda Accord vehicles.

For each policy coverage type, the statistical loss for all vehicles averaged together equals 100. Numbers under 100 indicate better than average losses, while values that are 100 or greater point to more losses or a tendency for losses to be larger than average.

Honda Accord Insurance Claim Statistics

Specific Honda 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Should I talk to a local insurance agent?

Some people just want to buy from a local agent and that is recommended in a lot of cases A nice benefit of getting free rate quotes online is the fact that drivers can get cheap rate quotes but also keep your business local. And supporting local insurance agents is definitely important in Bismarck.

Insurance agency in BismarckUpon completion of this simple form, the coverage information is immediately sent to insurance agents in Bismarck who want to provide quotes for your coverage. There is no need to visit any agencies since rate quotes are delivered to you directly. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to get a rate quote from one company in particular, just visit that company's website and submit a quote form there.

If you would like to find a reliable insurance agency, there are a couple of types of insurance agents and how they can write your policy. Agents are considered either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, they simply move your policy to a different company and you don't have to do anything.

When comparing rate quotes, you absolutely need to get some free quotes from several independent insurance agents for maximum quote selection.

Featured below is a list of independent agencies in Bismarck that can possibly get you price quotes.

1500 E Capitol Ave - Bismarck, ND 58501 - (701) 223-2233 - View Map

2222 E Broadway Ave - Bismarck, ND 58501 - (701) 224-9945 - View Map

810 E Divide Ave - Bismarck, ND 58501 - (701) 323-9419 - View Map

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Exclusive Insurance Agents

These type of agents have only one company to place business with and examples are Allstate and State Farm. Exclusive agencies are unable to compare rates from other companies so keep that in mind. These agents receive extensive training on their company's products and that allows them to sell at a higher price point.

Below are Bismarck exclusive insurance agencies who can help you get rate quotes.

201 N 19th St - Bismarck, ND 58501 - (701) 223-8757 - View Map

116 S Hannifin St - Bismarck, ND 58504 - (701) 258-0123 - View Map

1471 Interstate Loop #1 - Bismarck, ND 58503 - (701) 255-4433 - View Map

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Picking an insurance agent requires you to look at more than just a low price. These are some valid questions you should ask.

Upon receiving reasonable responses and low cost Honda Accord insurance quotes, you've probably found an insurance agency that is a good match to provide auto insurance coverage. Just be aware that consumers can cancel coverage for any reason so don't think that you are obligated to the auto insurance policy for the entire policy term.

Big names are not always cheapest

State Farm, Allstate and GEICO seem to constantly run television and radio advertisements. They all tend to make the same promise about saving some big amount after switching your auto insurance policy to them. How does every auto insurance company give you a lower rate on Honda Accord insurance in Bismarck? This is the way they can do it.

Auto insurance companies look for specific characteristics for the type of customer that is profitable for them. For instance, a profitable risk profile may be a married male, has few claims, and drives newer vehicles. Any driver who fits that profile will get very good Bismarck car insurance rates and is almost guaranteed to cut their Honda Accord insurance rates if they switch.

Drivers who don't qualify for these standards may receive a higher premium and this results in the customer not buying. If you pay close attention to the ads, they say "customers that switch" but not "everyone who gets a quote" save that kind of money. That is how companies can truthfully make claims that they all have the best premium rates.

That is why it is so important to get a wide range of price quotes. Because without a comparison, you cannot know which company will have the best car insurance rates for your profile.

Persistent drivers can save

The cheapest Honda Accord insurance in Bismarck can be found from both online companies and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide online rate quotes and many times these smaller companies work with independent agents.

As you quote Bismarck car insurance, you should never buy less coverage just to save a little money. There are too many instances where an insured cut uninsured motorist or liability limits only to discover later they didn't have enough coverage. Your objective should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

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