We show how accretion rate governs the physical properties of a sample of unobscured broad-line, narrow-line, and lineless active galactic nuclei (AGNs). We avoid the systematic errors plaguing previous studies of AGN accretion rates by using accurate intrinsic accretion luminosities (Lint) from well-sampled multiwavelength spectral energy distributions from the Cosmic Evolution Survey, and accurate black hole masses derived from virial scaling relations (for broad-line AGNs) or host-AGN relations (for narrow-line and lineless AGNs).