Compare 2004 Honda Civic Insurance Quotes
Looking for cheaper insurance coverage rates for your Honda Civic? If you are new to online price comparisons, you can be overwhelmed by the large number insurance agents and companies competing for business.
Cheapest insurance quotes
All major insurance companies provide pricing from their websites. Comparing rates online is very simple as you just type in your required coverages on the page. Once you submit the form, the company’s rating system makes automated requests for reports for credit and driving violations and returns a price based on many factors.
Being able to quote online simplifies rate comparisons, but having to visit different websites and type in the same data is a waste of time. But it’s very important to get many rate quotes if you are searching for better prices.
There is an easier way to compare rates
The smarter way to find better insurance pricing requires only one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable and efficient. After sending the form, it gets priced and you can choose any or none of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes 15 minutes at the most and can result in significant savings.
In order to find out how much you can save on insurance, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you copy the limits and deductibles identical to your current policy. This ensures you will have rate quotes based on the exact same insurance coverage.
Do I just need basic coverages?
When buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.
For instance, these questions can aid in determining whether your personal situation might need professional guidance.
- When would I need additional glass coverage?
- When should I buy a commercial auto policy?
- Can I rent a car in Mexico?
- Is my teenager covered with friends in the car?
- Is my vehicle covered by my employer’s policy when using it for work?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Which companies will insure high-risk drivers?
- What is the minimum liability in my state?
- Does having multiple vehicles earn me a discount?
- Do I have coverage if my license is suspended?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Coverages available on your insurance policy
Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Liability insurance
Liability insurance will cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like attorney fees, repair costs for stationary objects, court costs, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.
Comprehensive auto coverage
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, hospital visits, nursing services, surgery and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Civic.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Tawanda Sullivan
I live in a small town just outside of Chesapeake, VA. Quoted with Amica, Esurance, and Nationwide for my Civic and saved $71 a year. Left Hartford to switch. They have free quotes online. When should I drop full coverage?
Otilia Benton
I’m looking for cheaper coverage. From north side of Charleston, SC. I quoted with GEICO, Auto-Owners, and Esurance for my 2004 Honda Civic and saved about $110 a year. Hopefully won’t need it.
Clemente Henson
I got decent rates for a 2004 Honda Civic in Newark, Delaware. Ended up at darn near $70 every six months with AAA. Hardly afford to drive anymore. It’s too old for full coverage.
Tommy Cameron
If you have a good history and live near Concord, NH, check out 21st Century. They seem to be cheaper. Even increased coverage a bit. My Civic doesn’t have full coverage.
Corrine Harding
Is Progressive cheaper than Auto-Owners in Great Falls, Montana?
Raelene Bishop
Are GEICO rates cheap in Pennsylvania?
Tawana Mack
Here’s my quote info. I’m in the suburbs of Raleigh, NC. I compared lots of rates. Saved roughly $20 a month. Allstate was the cheapest option for me. I just carry liability insurance.
Birdie Pratt
I’m in Frederick, MD, and Allstate rates were affordable. I get a discount for insuring multiple vehicles. They offer free online rate quotes. Just liability coverage since it’s getting old.
Kylie Chase
Like your site, BTW. From northwest of Tampa, FL. I got free quotes from Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my 2004 Honda Civic and I’m now saving $22 a month. Left Mercury to switch. Got better coverage too. LOL I’m thinking about dropping full coverage though.
Tyson Gallagher
If you’re a decent driver and live near Raleigh, North Carolina, check out Allstate. You might save some money. They have free quotes online.
Carmelita Pennington
Live in Bangor, Maine. Got quotes from 21st Century, Amica, Encompass, and GMAC for my Honda and I think I cut my rates about $20 each month. Hopefully won’t need it. It’s easy to compare rates online now. Not worth enough to pay for comprehensive and collision.
Olene Ramsey
I’m in the west part of West Valley City, UT. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the cheapest for me. Left Liberty Mutual to switch. They have a lot of discounts available. I quoted rates online then called them.
Annice Martinez
Great info, thanks for posting. I’m just north of Cleveland, Ohio. I don’t recall every quote but I ended up saving about $20 each month. Might find lower rates online.
Clarence Mcdowell
Great site. Went with AAA for my Civic and saved about $70 a year. Ask about discounts.
Reuben Watts
Just a quick comment on my experience. From Jersey City, New Jersey. Got rates from GEICO, Eastwood, and GMAC for my Honda and I think I cut my rates about $20 each month. Was with AAA. Got better coverage too.
Cindy Chase
I found pretty cheap rate quotes for a 2004 Honda Civic in Cranston, RI. Ended up at darn near $100 every six months with American Family. I increased coverages a little too. I got a quote from their website. I’m thinking about dropping full coverage though.
Fidelia Barker
Does Montana require a SR-22 after a DUI?