Honda car insurance is very unpredictable. Many potential Honda owners probably expect to pay relatively high insurance costs because they perceive Honda to be a high quality import car. While that is somewhat true, not all Honda vehicles are assembled overseas. Many are made here in North America. Newer models tend to have much lower insurance rates than older Hondas.

You probably thought that when you bought that 1994 Honda Accord, insurance would be cheap. It is already 15 years old, so how expensive could it possibly be to insure? Even your friends pointed out that it is pretty bare bones compared to the more recent Honda Accord models. There is little that is electronic and parts are easy to come by. It seems though, that those easy to come by parts might be part of the problem.

Honda Car Insurance is Affected by Many Factors

The fact is that the 1994 Honda Accord is the most stolen car in America and has been that way for a while. There are many features specific to the 1994 model year, which make it attractive to thieves. First, it does not have an anti-theft system built in, making it easier to swipe then newer cars. Second, stealing a Honda Accord is easier to do because it is less flashy. For this reason, if someone strolls up and drives off with your 1994 Accord, there will be no beeps or lights or alarms to alert the neighbors that something is amiss. The lack of a GPS tracking system also means the owner isnt going to be able to track the vehicle either.

However, you will find that the anti-theft devices in newer Honda vehicles from the Pilot to the Accord to the Odyssey are effective deterrents. In addition the safety features and positive safety ratings common to Honda make it a favorite of insurance companies. The cost of insuring a comparable domestic vehicle is usually much higher than the insurance cost for a Honda.

How to Reduce Your Honda Car Insurance Rates on Older Models

Not all is lost though when it comes to affecting your Honda car insurance rates. There are some steps you can take to qualify for reductions in your annual operating costs.

One of the first things you can do for older car is have an alarm or GPS tracking system installed. This might like an expensive upgrade for older, inexpensive cars, but it will protect your investment, especially if you own your car outright and have no outstanding loans on it.

After youve invested in anti-theft devices, the next thing you can do is to store your Honda in a garage when you are not driving it. You should also make sure you arent putting more than average miles on it.

Find the lowest rates for your Honda car insurance now!