Would you like to buy cheaper Honda Accord insurance in Raleigh? Scraping up a payment for overpriced Honda Accord insurance in Raleigh can deplete your budget and possibly require you to analyze your spending habits. Comparing rates annually is a fast and free way to lower your monthly bill.

Insurance quote for Honda Accord in RaleighRegrettably, nearly 70% of consumers kept buying from the same company for at least the last four years, and almost half have never quoted rates to find cheap coverage. With the average premium in America being $1,847, drivers can save hundreds of dollars each year by just shopping around, but they just don't want to compare rates and save money. Multiple car insurance companies compete for your business, so it's not easy to compare every provider and uncover the absolute cheapest price on Honda Accord insurance in Raleigh.

You should make it a habit to compare rates before your next renewal because car insurance prices tend to go up over time. Even if you think you had the lowest rates on Honda Accord insurance in Raleigh on your last policy the chances are good that you can find a lower premium rate today. You'll find quite a bit of inaccurate information about Accord insurance online, but we're going to give you some tested techniques to lower your car insurance premiums.

If you have coverage now or just want to reduce your rates, you can learn to find better prices and still have adequate protection. Choosing the most cost-effective car insurance policy in Raleigh is actually not that difficult if you follow our advice. Consumers just need to use the most effective way to shop from many companies at once.

Companies offering competitive Honda Accord prices in Raleigh, NC

The following companies are ready to provide quotes in Raleigh, NC. If the list has multiple companies, we recommend you compare several of them to get a more complete price comparison.

Honda Accord Insurance Estimates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $160 $302 $276 $16 $82 $836 $70
Accord LX 4-Dr Sedan $160 $312 $240 $14 $72 $798 $67
Accord EX 4-Dr Sedan $144 $274 $240 $14 $72 $744 $62
Accord LX-P 4-Dr Sedan $130 $242 $276 $16 $82 $746 $62
Accord LX-P 4-Dr Sedan $100 $190 $276 $16 $82 $664 $55
Accord EX-L 4-Dr Sedan $214 $386 $212 $12 $64 $888 $74
Accord EX 2-Dr Coupe $122 $262 $270 $16 $80 $750 $63
Accord LX-S 2-Dr Coupe $176 $352 $290 $18 $86 $922 $77
Accord EX-L 2-Dr Coupe $186 $374 $296 $18 $88 $962 $80
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle location which can influence insurance rates greatly.

Comparison of policy deductibles

When buying car insurance, a common question is how high should your deductibles be. The tables below illustrate the rate difference when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 deductible and the second set of prices uses a $500 deductible.

Honda Accord insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $186 $318 $212 $12 $64 $817 $68
Accord LX 4-Dr Sedan $186 $318 $212 $12 $64 $817 $68
Accord EX 4-Dr Sedan $186 $318 $212 $12 $64 $817 $68
Accord LX-P 4-Dr Sedan $186 $318 $212 $12 $64 $817 $68
Accord LX-P 4-Dr Sedan $186 $318 $212 $12 $64 $817 $68
Accord EX-L 4-Dr Sedan $214 $386 $212 $12 $64 $913 $76
Accord EX 2-Dr Coupe $214 $456 $282 $16 $84 $1,077 $90
Accord LX-S 2-Dr Coupe $214 $456 $282 $16 $84 $1,077 $90
Accord EX-L 2-Dr Coupe $242 $456 $282 $16 $84 $1,105 $92
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Honda Accord insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $136 $214 $212 $12 $64 $638 $53
Accord LX 4-Dr Sedan $136 $214 $212 $12 $64 $638 $53
Accord EX 4-Dr Sedan $136 $214 $212 $12 $64 $638 $53
Accord LX-P 4-Dr Sedan $136 $214 $212 $12 $64 $638 $53
Accord LX-P 4-Dr Sedan $136 $214 $212 $12 $64 $638 $53
Accord EX-L 4-Dr Sedan $156 $262 $212 $12 $64 $706 $59
Accord EX 2-Dr Coupe $156 $308 $282 $16 $84 $846 $71
Accord LX-S 2-Dr Coupe $156 $308 $282 $16 $84 $846 $71
Accord EX-L 2-Dr Coupe $176 $308 $282 $16 $84 $866 $72
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in garaging location in Raleigh which can alter prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $16 more each month or $192 for a full year than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 25 months between claim filings, you would probably be better off if you opt for a higher deductible.

Driving violations and accidents

The example below shows how speeding tickets and fender-benders can raise Honda Accord insurance rates for different ages of insureds. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Save money with these discounts

Some insurers don't always publicize all their discounts in an easy-to-find place, so the next list breaks down a few of the more common and also the more inconspicuous discounts that may be available.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, that's just not realistic.

Companies and their offered discounts are:

Before buying, ask every insurance company to give you their best rates. Some discounts may not apply in your area. If you would like to choose from a list of insurance companies with significant discounts in Raleigh, click here.

How do I know if I need professional advice?

When quoting and choosing the right insurance coverage, there is no "perfect" insurance plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

What if I want to buy from local Raleigh insurance agents?

Many people still prefer to sit down with an agent and that is OK! Good insurance agents can answer important questions and will help you if you have claims. The best thing about comparing auto insurance online is the fact that you can find the best rates but also keep your business local. And providing support for local agencies is especially important in Raleigh.

Insurance agents in RaleighTo make it easy to find an agent, after completing this short form, your coverage information is emailed to participating agents in Raleigh who will give you quotes for your auto insurance coverage. You never need to search for an agent because quoted prices will be sent directly to you. If you wish to get a rate quote from one company in particular, you can always find their quoting web page to submit a rate quote request.

When narrowing the list to find a reliable agent, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Raleigh agents can either be exclusive or independent agents depending on their company appointments. Either type can write policy coverage, but it's worth mentioning the difference in how they write coverage since it may influence the kind of agent you use.

Independent Agents

Agents that elect to be independent do not sell for just one brand so they have the ability to put coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing auto insurance prices, it's a good idea to contact a few independent agents in order to compare the most rates.

The following are independent insurance agents in Raleigh that may be able to give you rate quotes.


3901 Barrett Dr Suite 312 - Raleigh, NC 27609 - (919) 772-7698 - View Map


3741 Benson Dr - Raleigh, NC 27609 - (919) 790-6415 - View Map


6531 Creedmoor Rd # 206 - Raleigh, NC 27613 - (919) 863-0150 - View Map

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Exclusive Agents

Exclusive agents are contracted to one company and some examples include State Farm or Allstate. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are highly trained on what they offer and that enables them to sell even at higher rates.

Below is a list of exclusive insurance agencies in Raleigh willing to provide rate quotes.


6021 Poyner Village Pkwy #109 - Raleigh, NC 27616 - (919) 875-1955 - View Map


8201 Rowlock Way Suite 112 - Raleigh, NC 27613 - (919) 782-3333 - View Map


5620 Six Forks Rd Ste 103 - Raleigh, NC 27609 - (919) 848-8105 - View Map

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Selecting an insurance agent should include more criteria than just a cheap price quote. These questions are important to ask:

Save $427 a year. For real?

North Carolina drivers can't get away from all the ads that claim the cheapest premium rates by 21st Century, Allstate and State Farm. All the ads make the same claim that drivers will save a bundle if you change your coverage to them.

That's great but how can every company save you money on Honda Accord insurance in Raleigh?

Insurance companies have specific criteria for the type of insured that will add to their bottom line. A good example of a desirable risk may need to be between the ages of 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. Any person that fits those parameters will probably get the lowest prices and therefore will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will probably have to pay a higher premium and the customer not buying. The trick companies use is to say "people who switch" not "all people who quote" save that much. That's the way insurance companies can confidently make the claims of big savings.

This really illustrates why it is so important to compare rate quotes every year. It is just not possible to predict which insurance company will fit you best based on your risk profile.

One last thing to lower rates

Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, high rates after DUI convictions or denial of a claim. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

When getting Raleigh auto insurance quotes online, you should never buy poor coverage just to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Lower-priced Honda Accord insurance in Raleigh can be found both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not have online rate quotes and many times these regional carriers only sell through independent agents.

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