Insurance for Honda AccordPaying for pricey Honda Accord insurance in Tampa can sap your personal savings and force you to make tough financial choices. Price shopping at each renewal is recommended to lower your bills every month.

It's astonishing, but nearly 70% of customers have purchased from the same company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. U.S. drivers could save an average of 46.5% each year just by getting comparison quotes, but they mistakenly think it's difficult to compare rates online.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to get the lowest cost out there.

Best companies for Honda Accord insurance

The car insurance companies shown below can provide price comparisons in Tampa, FL. If multiple companies are listed, it's a good idea that you visit several of them to get a more complete price comparison.

Honda Accord Insurance Price Estimates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $222 $352 $362 $22 $108 $1,066 $89
Accord LX 4-Dr Sedan $136 $238 $340 $20 $102 $836 $70
Accord EX 4-Dr Sedan $320 $446 $464 $28 $140 $1,398 $117
Accord LX-P 4-Dr Sedan $300 $602 $460 $28 $138 $1,528 $127
Accord LX-P 4-Dr Sedan $272 $438 $362 $22 $108 $1,202 $100
Accord EX-L 4-Dr Sedan $276 $538 $334 $20 $100 $1,268 $106
Accord EX 2-Dr Coupe $276 $634 $444 $26 $132 $1,512 $126
Accord LX-S 2-Dr Coupe $278 $660 $532 $32 $160 $1,662 $139
Accord EX-L 2-Dr Coupe $254 $506 $494 $30 $148 $1,432 $119
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in specific location information which can raise or lower coverage rates considerably.

Should you raise deductibles?

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The following tables may help to illustrate the rate differences when you select higher and lower comp and collision deductibles. The first rate quote example uses a $250 deductible and the second rate table uses a $500 deductible.

Honda Accord insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX-L 4-Dr Sedan $322 $544 $354 $20 $106 $1,371 $114
Accord EX 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord LX-S 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord EX-L 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
Get Your Own Custom Quote Go
Honda Accord insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord EX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX-P 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX-P 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord EX-L 4-Dr Sedan $262 $438 $354 $20 $106 $1,180 $98
Accord EX 2-Dr Coupe $262 $516 $472 $28 $142 $1,420 $118
Accord LX-S 2-Dr Coupe $262 $516 $472 $28 $142 $1,420 $118
Accord EX-L 2-Dr Coupe $296 $516 $472 $28 $142 $1,454 $121
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Estimates do not factor in Tampa location which can impact premiums considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 for a full year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 16 months between claims, you would probably be better off if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. You need to make sure you have enough money in the bank in the event you need to pay the deductible.

How careless driving impacts Tampa car insurance rates

The chart below shows how speeding tickets and accidents impact Honda Accord insurance costs for different age groups of insureds. The rate quotes are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Car insurance premiums based on gender

The chart below visualizes the comparison of Honda Accord annual premium costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

You Can Change Your Insurance Costs

The best way to find cheaper insurance is to take a look at some of the factors that are used to determine the level of your policy premiums. When you understand what impacts premium levels, this allows you to make educated decisions that could result in better insurance rates. Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving record, but some are less apparent such as your marital status or your vehicle rating.

Shown below are just a few of the factors utilized by car insurance companies to help set prices.

Check for these discounts on Honda Accord insurance in Tampa

Insurance can cost an arm and a leg, but there could be significant discounts that you may not even know about. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specifically requested before being credited. If you do not check that you are getting every discount possible, you may be paying too high a price.Cheaper auto insurance with discounts

Please keep in mind that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck.

Large auto insurance companies and the discounts they provide are included below.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings might not be available to policyholders in your area. If you would like to see a list of providers that have a full spectrum of discounts in Florida, follow this link.

Compare rate quotes but work with a local Tampa insurance agent

Some people just prefer to talk to a local agent and we recommend doing that A nice benefit of getting online price quotes is you can get cheap auto insurance quotes but still work with a licensed agent.

Tampa insurance agentsTo find an agent, once you fill out this short form, your insurance data gets sent to companies in Tampa who can give free rate quotes for your coverage. You don't have to leave your house due to the fact that quote results will go immediately to you. You can find lower rates and a licensed agent to work with. If for some reason you want to get a price quote from one company in particular, you would need to search and find their rate quote page and submit a quote form there.

Selecting an provider needs to be determined by more than just a cheap price quote. Before buying a policy in Tampa, get answers to these questions.

If you would like to find a reliable insurance agency, it helps to know the two types of agencies to choose from. Auto insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents that choose to be exclusive can only place business with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.

The following are Tampa exclusive agents willing to provide price quotes.


4016 Henderson Blvd l - Tampa, FL 33629 - (813) 837-9329 - View Map


4305 W Bay to Bay Blvd - Tampa, FL 33629 - (813) 835-8892 - View Map


11014 N Dale Mabry Hwy #501 - Tampa, FL 33618 - (813) 969-3331 - View Map

View more agents

Independent Agents

Agents that elect to be independent can sell policies from many different companies so they can quote policies with an assortment of companies and find you cheaper rates. If they quote lower rates, an independent agent can move your coverage which makes it simple for you.

If you are trying to find cheaper rates, you will want to include a couple of independent agencies to get the best comparison.

Below are independent agents in Tampa that are able to give price quotes.

E J Ferro Insurance Agency
Tampa, FL 33647 - Tampa, FL 33647 - (813) 926-1515 - View Map


14009 N Dale Mabry Hwy - Tampa, FL 33618 - (813) 960-5225 - View Map


7753 W Waters Ave - Tampa, FL 33615 - (813) 885-2900 - View Map

View more agents

Save 15 percent in 15 minutes? Is it for real?

Well-known car insurance companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all say the same thing about saving some big amount just by switching your policy. But how can every company make almost identical claims? Here is how they do it.

Car insurance companies are able to cherry pick for a prospective insured that will be a good risk. For instance, a desirable risk might be described as over the age of 40, has no claims, and drives less than 10,000 miles a year. A propective insured who fits those characteristics will get a cheap rate quote in Tampa and therefore will save quite a bit of money when switching.

Insureds who do not match the "perfect" profile may be forced to pay higher rates and the driver buying from a lower-cost company. The wording the ads use say "customers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. This is how insurance companies can make claims that they all have the best rates. This illustrates why drivers should get price quotes at each policy renewal. It is impossible to guess with any certainty which company will have the lowest Honda Accord insurance in Tampa.

Compare. Compare. Compare.

The cheapest Honda Accord insurance in Tampa can be purchased from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don't offer online price quotes and usually these small, regional companies provide coverage only through independent agents.

We just showed you a lot of information how to get a better price on Honda Accord insurance in Tampa. The most important thing to understand is the more you quote Tampa car insurance, the better likelihood of getting inexpensive Tampa car insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

As you quote Tampa car insurance, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The goal is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Other information