Looking for better car insurance rates for your Honda Civic? Finding better insurance prices for a new or used Honda Civic can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to compare car insurance rates and we’ll show you the proper way to get price quotes for your Honda and locate the lowest possible price from both online companies and local agents.
Consumers need to price shop coverage before your next renewal because car insurance prices are variable and change quite frequently. Even if you got the best quotes on Civic coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re going to learn one of the easiest ways to lower your annual insurance bill.
Choosing the best insurance company for you is not rocket science. If you have a current car insurance policy or need a new policy, you can use this information to cut your premiums and still get good coverage. Consumers just need to learn the most effective way to compare company rates online.
Lowering your 2003 Honda Civic car insurance rates is not a difficult process. Drivers just need to spend a few minutes comparing free insurance quotes to see which company has affordable insurance quotes. It is quite easy and can be accomplished in a couple of different ways.
To view a list of companies in your area, click here.
Compare rates however you want, just make sure you compare the exact same coverage limits and deductibles for each price quote. If the quotes have different values for each quote it will be very difficult to find the best deal for your Honda Civic.
When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
These are some specific questions can help discover whether your personal situation will benefit from professional help.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Collision coverages – This coverage will pay to fix damage to your Civic resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like damaging your car on a curb, crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Liability auto insurance – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims like medical expenses, bail bonds, repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like pain medications, chiropractic care, doctor visits, surgery and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Dalene Ramsey
Allstate is pretty cheap in Missouri! :)
Nila Foreman
Not sure if this is cheap. I live on the south side of Jackson, MS. Received quotes from USAA, AAA, Hanover, and Safeco for my 2003 Honda Civic and saved around $70 a year. Wish I didn’t have to insure at all. Liability only on my Honda.
Miranda Warner
Does Kentucky require a SR-22 after a DUI?
Fred Cochran
From northwest of Spokane, WA. Received quotes with Travelers, Amica, Liberty Mutual, and MetLife for my Honda and saved just over $110 a year. Insured with GMAC before. Get lots of quotes to find the best rate.
Cecille Foreman
I got decent rates for a 2003 Honda Civic in Grand Forks, North Dakota. Ended up at darn near $110 every six months with Auto-Owners. It’s easy to compare rates online now. Book value doesn’t justify full coverage anymore.
Lorretta Morgan
Live in Fort Smith, AR. Got car insurance prices from AIG Insurance, Mercury, and a few others for my 2003 Honda Civic and saved $66 a year. Was with Hanover.
Tawna Benjamin
If you don’t have tickets and live around Baltimore, Maryland, check out Progressive. You might save some money. Insured with GEICO before. I have a teen driver too. You can get a rate quote online.
David Pierce
Checking in from San Antonio, TX. Received quotes with The General, Auto-Owners, Sentry, and a couple others for my Civic and I’m now saving $22 a month. I used their online quote form to compare rates.
Vesta Malone
Not sure what I should be paying. Proud to be from Louisville, KY. Received quotes with State Farm, Eastwood, and The General for my 2003 Honda Civic and saved just over $90 a year. I don’t insure for physical damage though.
Melany Robinson
Here’s my quote info. I live just outside Los Angeles, California. Quoted rates from State Farm, Liberty Mutual, and Esurance for my 2003 Honda Civic and saved just over $60 a year. Insured with Esurance before. I don’t have comp or collision coverage.
Elvira Russo
Just my two cents. Found cheapest coverage with Sentry for my Civic and am saving around $100 a year. Good multi-policy discounts. I recommend comparing lots of rates. I don’t put full coverage on it.
Marlin Stevens
I switched to Progressive. Quoted good rates in San Antonio, Texas. Even increased coverage a bit.
Yelena Miranda
Located in New Haven, CT. I quoted with State Farm, Erie, and Liberty Mutual for my Civic and I’m now saving $18 a month. Got better coverage too. Did it all online. I only have liability coverage on it.