I can't think of anyone who likes paying for auto insurance, especially when they are aware that the prices are way too high.

Insurance for Honda AccordSurprisingly, a recent survey revealed that most consumers have remained with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never even compared rates from other companies. With the average auto insurance premium being $2,158, St. Petersburg drivers could save up to $1,100 each year just by getting comparison quotes, but most undervalue the actual amount they would save if they switched.

Because you have many auto insurance companies to choose from, it is very difficult to locate a more affordable insurance company.

You need to do price comparisons every six months because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Honda Accord insurance in St. Petersburg a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you're about to find out how to use the internet to properly buy coverages while reducing your premium.

Locating the best rates in St. Petersburg is really quite simple as long as you have a good starting point. If you are paying for car insurance now, you should be able to get lower rates using the ideas presented in this article. But Florida vehicle owners need to have an understanding of the way companies determine prices.

It's important to know that making a lot of price comparisons will enable you to find the best rates.

The companies in the list below can provide price comparisons in St. Petersburg, FL. To find the best car insurance in Florida, we recommend you compare several of them to find the lowest auto insurance rates.

Honda Accord Insurance Rates in St. Petersburg, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $268 $548 $400 $24 $120 $1,360 $113
Accord LX 4-Dr Sedan $312 $532 $354 $20 $106 $1,324 $110
Accord EX 4-Dr Sedan $306 $612 $430 $26 $128 $1,502 $125
Accord LX-P 4-Dr Sedan $284 $490 $366 $22 $110 $1,272 $106
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,206 $101
Accord EX-L 4-Dr Sedan $316 $624 $430 $26 $128 $1,524 $127
Accord EX 2-Dr Coupe $358 $788 $636 $38 $190 $2,010 $168
Accord LX-S 2-Dr Coupe $308 $748 $494 $30 $148 $1,728 $144
Accord EX-L 2-Dr Coupe $368 $702 $486 $28 $146 $1,730 $144
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can alter premiums substantially.

Car insurance deductibles

The illustration below demonstrates how deductible levels and can affect Honda Accord yearly insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Cost comparison with and without full coverage

The chart below illustrates the difference between Honda Accord annual premium costs when comparing full coverage to liability only. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, married male driver, and no discounts are applied.

Guidelines for dropping full coverage

There is no definitive rule to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Honda Accord claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the deductible is paid. If you are paying over $500 a year for full coverage, then you may want to consider only buying liability coverage.

There are some cases where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Cut your car insurance rates with discounts

Some providers don't always publicize the complete list of policy discounts very well, so the below list has a few of the more common and the more hidden discounts you could be receiving when you buy St. Petersburg auto insurance online. If you aren't receiving every discount you qualify for, you may be paying too high a price.Discount car insurance

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, it just doesn't work that way. But all discounts will lower your car insurance premiums.

Large car insurance companies and the discounts they provide are:

Before purchasing a policy, check with every company the best way to save money. Some of the discounts discussed earlier may not apply everywhere. If you would like to choose from a list of companies with discount rates in St. Petersburg, click here to view.

Protect more than your Honda Accord

Despite the high cost of buying insurance for a Honda Accord in St. Petersburg, maintaining insurance may not be optional for several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, especially for larger claims. The average driver in Florida overpays more than $855 a year so it's important to compare rates at least once a year to be sure current rates are still competitive.

Your car insurance coverage should be tailored to you

When quoting and comparing proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Your financial needs are unique.Higher deductibles save money

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Buying from car insurance agents

A small number of people just prefer to buy from a local agent and doing that can be a smart decision The biggest benefit of comparing auto insurance online is that you can obtain better rates and also buy local.

Find insurance agent in St. PetersburgAfter filling out this quick form, the coverage information is emailed to local insurance agents who will give competitive quotes to get your business. You won't even need to visit any agencies since rate quotes are delivered straight to your inbox. You can get cheaper auto insurance rates and a licensed agent to work with. In the event you want to get a rate quote from a specific auto insurance provider, you would need to find their quoting web page and complete a quote there.

Deciding on an company requires you to look at more than just the premium amount. Get answers to these questions too.

Below are agents in St. Petersburg that may be able to provide price quote information for Honda Accord insurance in St. Petersburg.

3499 4th St N - St. Petersburg, FL 33704 - (727) 822-1333 - View Map

5699 34th St N - St. Petersburg, FL 33714 - (727) 280-4563 - View Map

4619 4th St N - St. Petersburg, FL 33703 - (727) 525-8170 - View Map

3443 1st Ave N - St. Petersburg, FL 33713 - (727) 823-5551 - View Map

View more St. Petersburg agents