Who Has the Cheapest Insurance Quotes for a Honda Accord in Nebraska?

Who Has the Cheapest Insurance Quotes for a Honda Accord in Nebraska?

Our staff writers always rib each other than when writing about auto insurance, the words cheap or affordable really should not be used as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a Honda Accord is not always easy to find. But don’t let that discourage you, because we will teach you how you can still find insurance that is more affordable than your current policy.

Buying cheap car insurance for a Honda Accord in Nebraska depends upon a lot of factors like whether you use your Accord for business use, whether or not you have had gaps between policies, and if your driving record shows any at-fault accidents. Drivers on average will pay $720 every 12 months to insure an Accord, but that policy rate is assuming a 50-year-old single male who requires both comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a high probability that you are not a 50-year-old male, possibly married instead of single, or maybe your Accord doesn’t need full coverage. This shows why the best method for finding cheap auto insurance rates for your Honda is to comparison shop your policy at each renewal. Quotes are always free and you will receive rate quotes from some of the cheapest companies that insure Honda vehicles in Nebraska.

Cheapest Honda Accord Insurance Rates

The specific trim level tends to impact the cost of coverage, so the rate you will pay to insure a Accord LX 4-Dr Sedan model will be $246 less than the cost to insure the more well-appointed Accord EX-L 2-Dr Coupe model, as shown in the chart below.

Honda Accord Insurance Rates in Nebraska
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $108 $208 $288 $18 $86 $708 $59
Accord EX 4-Dr Sedan $108 $208 $288 $18 $86 $708 $59
Accord LX-P 4-Dr Sedan $108 $208 $288 $18 $86 $708 $59
Accord EX-L 4-Dr Sedan $124 $252 $288 $18 $86 $768 $64
Accord EX 2-Dr Coupe $124 $298 $382 $22 $114 $940 $78
Accord LX-S 2-Dr Coupe $124 $298 $382 $22 $114 $940 $78
Accord EX-L 2-Dr Coupe $138 $298 $382 $22 $114 $954 $80
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in Nebraska location which can alter insurance rates greatly.

Establishing which company quotes the cheapest car insurance rates for a Honda Accord will take a little more work than just picking a company at random.

Every insurance company uses their own formula to set their prices, so let’s rank the car insurance companies that tend to have lower prices in Nebraska. It’s a good idea to be aware that Nebraska car insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Simply having another birthday, buying a new vehicle, or getting caught speeding can trigger rate changes that can make some companies affordable when they were higher priced.

Find the Best Cheap Insurance for Your Accord

Compare Rates and Save

Cheapest insurance companies in Nebraska
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $873
3 Auto-Owners $905
4 Allied $911
5 Farm Bureau Mutual $980
6 Nationwide $997
7 Farmers Mutual of Nebraska $1,009
8 State Farm $1,033
9 American National $1,065
10 General Casualty $1,092
11 USAA $1,128
12 MetLife $1,280
13 American Family $1,284
14 Iowa Mutual $1,295
15 California Casualty $1,296
16 EMC $1,300
17 GEICO $1,348
18 Progressive $1,460
19 Farmers $1,650
20 North Star $1,659
Compare Rates Now Go

Safeco may offer some of the best car insurance rates in Nebraska at around $780 each year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also be considered some of the cheaper Nebraska auto insurance companies.

As shown above, if you are currently insured with The Hartford and switched to Safeco, you could earn savings of in the neighborhood of $93. Customers with Auto-Owners may save as much as $125 a year, and Allied insureds might realize rate reductions of up to $131 a year.

These premiums are averaged across all drivers and vehicles and do not take into consideration a specific rating modification for a Honda Accord. So the insurer that is most affordable for your situation may not even be shown in the rate chart shown above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

How to get discounts on Nebraska auto insurance rates

Save on car insurance for an Accord in NebraskaInsurance providers that sell the cheapest insurance for a Honda Accord in Nebraska may also give you premium discounts that can lower rates by 40% or more if you can meet the requirements. The best car insurance companies and their possible discounts are included below.

Car Insurance Discounts for Popular Insurance Companies
Discount Allstate Geico State Farm Progressive Nationwide Farmers Liberty Mutual
Bundled policies Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No No Yes
Air bags Yes Yes Yes No Yes Yes Yes
Newer vehicle Yes No Yes No Yes Yes No
Green vehicle Yes No No No No Yes Yes
No accidents Yes Yes Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes Yes Yes No
Military No Yes Yes Yes No Yes No
Employment No Yes No No Yes Yes Yes
Pay in full Yes Yes No Yes Yes Yes Yes
Email statements Yes Yes No Yes Yes Yes Yes
Customer loyalty No No Yes Yes Yes Yes No
Good student Yes Yes Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes Yes Yes
Homeowner No No No Yes No Yes No
Get Quotes Go

The example below illustrates the difference between insurance rates with and without discounts applied. The data assumes a female driver, no accidents or driving violations, Nebraska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, vehicle safety, claim-free, multiple vehicle, multiple policy, and homeowner discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Honda Accord is 13% or $316.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1799,1291],[‘Age 30’, 1213,877],[‘Age 40’, 1137,825],[‘Age 50’, 995,723],[‘Age 60’, 963,697],[‘Age 70’, 1135,819]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Honda Accord’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best cheap Honda Accord insurance quotes

There are many different ways to purchase car insurance in Nebraska, but the most frequently used ways are through an independent or non-exclusive agent, an exlusive agent such as Allstate or State Farm, or from a direct company like Progressive.

You can use whichever method you prefer, but buyers should know the differences in how they function.

Independent agencies work for many companies and can get rate quotes from every one. They have the freedom to provide multiple price quotes, which can help you get the best shot at cutting your rates. If premiums increase, the agent simply finds a different carrier which prevents you from having to switch agents.

An exlusive, or captive, agency is ‘exlusive’ to a single company, two popular examples being Farmers Insurance or State Farm agents. Exclusive agents cannot quote prices from more than just one company, so it’s a good idea to shop around.

Buying car insurance direct means you skip a local insurance agent and instead buy direct from companies such as Geico or Esurance. Buying car insurance direct is good for families who have fewer assets and have an above average understanding of how car insurance works and possible exclusions.

So which of the methods works best to find the cheapest insurance for a Honda Accord in Nebraska? We’d like to say buying direct saves money because there is no agent taking a commission, but unfortunately, that is not always true. An argument could also be made that an independent agent guarantees the lowest rates since they have access to many companies, but that assumption is not true either. In the right set of circumstances, exclusive agencies have coverage prices that other companies cannot beat.

Since car insurance prices are based on many different factors, the guaranteed way to find out which one is cheapest is to compare lots of quotes. If you want to save money, get prices from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.

How to find economical insurance for a Honda Accord

Below you’ll find a few penny-pinching solutions that can help drivers get more affordable car insurance.

  • Buy a safer vehicle
  • Do not pay for full coverage on older vehicles
  • Buy your auto and home insurance from the same company and save
  • If possible, pay for small claims out-of-pocket
  • Avoid accidents
  • Keep your driving record clean
  • Compare rates once a year for cheaper prices

That last tip is incredibly vital, as we emphasized in this write-up. Rates change frequently, so you should be ready to buy from a different company if a cheaper rate is available.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that stubbornness costs you a wad of cash every year. Now is a great time to shop around and find cheaper car insurance for a Honda Accord.