Honda Accord Insurance in Nevada – 10 Ways to Save Money

Nevada shoppers have a choice when shopping for low-cost Honda Accord insurance. You can either spend your time calling around getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to price shop coverage for your Honda and find the lowest possible price.

It’s a great practice to price shop coverage before your policy renews because rates go up and down regularly. Just because you had the lowest price on Accord insurance a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

How to Compare Auto Insurance Costs in Nevada

There are multiple methods to compare auto insurance quotes, but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use online quoting to get prices fast.

Many popular insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company then returns a price quote. This system prevents you from having to do quote forms to each company.

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The one disadvantage to pricing coverage this way is you don’t know exactly which carriers you want pricing from. So if you prefer to choose individual companies to compare, we have assembled a list of auto insurance companies in Nevada. View list of Nevada insurance companies.

Whichever method you choose, make sure you use the exact same coverage limits and deductibles for every quote you compare. If you enter different liability limits it’s impossible to make an equal comparison. Just a small difference in coverages can make a big difference in price. It’s important to know that having more price comparisons helps you find the best rates.

You probably qualify for some discounts

Companies that sell car insurance don’t necessarily list all available discounts very well, so we break down both the well known as well as the least known ways to save on auto insurance.

  • Own a Home – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Accord insurance depending on your company.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break when buying auto insurance on Accord insurance.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.Nevada insurance quotes

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Nevada drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

This will pay to fix damage to your Accord resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.


Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as attorney fees, structural damage, loss of income and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, rehabilitation expenses, surgery, EMT expenses and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Quote more, save more

Drivers switch companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, poor customer service and even not issuing a premium refund. It doesn’t matter what your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at an affordable rate.

Affordable Honda Accord insurance can be purchased online in addition to many Nevada insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional detailed information is located at the Nevada Division of Insurance website. Visitors are able to view a list of available companies, download brochures, and read state legal mandates and laws.

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