Trying to find better insurance rates for your Honda Civic? Overpriced insurance can deplete your accounts and make it tough to pay other bills. Getting a rate comparison can lower your rates and help to make sure you’re not throwing money away.
Consumers have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to find a good deal.
Finding affordable coverage is easy if you know what you’re doing. Basically, anyone who buys car insurance should be able to lower their premiums. Nevertheless, vehicle owners do need to know the way companies market insurance on the web because it can help you find the best coverage.
The quickest way to get policy rate comparisons is to know most larger insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like which vehicles you own, what you do for a living, how much you drive, and any included safety features. Those rating factors is submitted instantly to multiple companies and they return cost estimate with very little delay.
Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few need to be manually applied prior to getting the savings.
One last thing about discounts, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, it just doesn’t work that way.
Larger car insurance companies and their possible discounts are outlined below.
Before you buy a policy, ask every prospective company to apply every possible discount. Discounts may not be available everywhere. If you would like to choose from a list of insurance companies who offer discounts, click here to view.
When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.
Knowing the specifics of auto insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.
Comprehensive coverages
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, hitting a deer, falling objects, vandalism and hitting a bird. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, rehabilitation expenses, nursing services, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Liability coverage
Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: 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 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against things such as funeral expenses, bail bonds, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Collision protection
This coverage pays for damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.
Emiko Irwin
Great site. I live just to the east of Gaithersburg, Maryland. Quoted prices from Allstate, Amica, and some I forget for my Honda and saved $64 a year. I quoted rates online then called them.
Rickie Garrett
I live on the west side of Columbus, OH. Checked online prices for a 1994 Honda Civic. Ended up at about $100 savings annually. Went with Progressive. They have a lot of discounts available.
Albert Waller
From northwest of Fort Wayne, IN. I got free rates from Progressive, Eastwood, and GMAC for my Civic and saved just over $110 a year. Insured with Encompass before. BTW speeding tickets are not good. Book value doesn’t justify full coverage anymore.
Carmelo Valencia
Progressive and State Farm were both pretty cheap in Fort Smith, Arkansas.
Latina Le
I found pretty cheap rate quotes for a 1994 Honda Civic in Saint Louis, MO. Ended up at roughly $80 every six months with American Family. I have several vehicles insured with them. It’s easy to compare rates online now.
Merideth Fletcher
If you’re a decent driver and live near Manchester, NH, check out 21st Century. You might save some money. Was with Liberty Mutual. Not sure if rates are cheaper online or not.
Santina Gentry
Got pretty cheap 1994 Honda Civic insurance from 21st Century in Providence, RI.
Luciano Norton
Corporate greed I’m telling you. I live just to the south of Rio Rancho, New Mexico. I got free prices from AIG Insurance, MetLife, and a few others for my Civic and saved just over $60 a year. Just go online and compare their rates. When should I drop full coverage?
Eleonora Welch
Cheap is not always the best policy. From Cincinnati, Ohio. Not sure of all the companies but I ended up saving about $30 each month. Left Nationwide to switch.
Shana Mullins
In Rutland, VT, Progressive auto insurance rates for my 1994 Honda Civic were good. Left State Farm to switch. It’s easy to compare rates online now.
Tynisha Burke
I live just outside Minneapolis, MN and for me Progressive had the lowest quote. I think I’ll get rid of full coverage next time.
Lavonna Harmon
I live on the west side of Grand Forks, North Dakota. I got free quotes from Allstate, Hartford, and Farmers for my Civic and am saving around $60 a year.
Shalon Malone
Good site, thanks. I live east of Lewiston, ME. Not sure of all the companies but I ended up saving about $20 each month. It never hurts to quote around. I’m thinking about dropping full coverage though.