How Much Does 2007 Honda Civic Insurance Cost?

Locating the cheapest insurance for a Honda Civic can be a lot of work, but you can use these tips and make it easy. There is a better way to compare auto insurance rates so you’re going to learn the absolute fastest way to price shop coverage for a Honda and get the lowest possible price from local insurance agents and online providers.

Affordable insurance coverage rates with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Most are applied when you purchase, but occassionally some discounts must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Accident Free – Drivers who stay claim-free have much lower rates as compared to policyholders that have many claims.
• Responsible Drivers – Drivers without accidents may save up to 50% more on Civic coverage than drivers with accident claims.
• Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Own a Home and Save – Being a homeowner can earn you a little savings because it demonstrates responsibility.
• Defensive Driver Discounts – Taking part in a course in defensive driver is a good idea and can lower rates if your company offers it.

Discounts lower rates, but some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

Companies that have these money-saving discounts may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you need low cost auto insurance quotes, ask all companies you are considering how many discounts you can get. All car insurance discounts may not be offered in your area. To view insurers with discount insurance coverage rates, click this link.

The quickest method to compare rates takes advantage of the fact most insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is spend a couple of minutes providing details including distance driven, if you are currently licensed, whether your vehicle is owned or leased, and how much coverage you want. Your rating data is submitted instantly to many highly-rated insurers and they return cost estimate almost instantly.

To check rates for your 2007 Honda Civic now, click here and find out if lower rates are available.

Insurance premiums are influenced by these factors

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that aid in calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that could result in lower rates.

• More people means more accidents – Being located in smaller towns and rural areas of the country is a good thing when talking about car insurance. People who live in big cities regularly have more traffic problems and more severe claims. Less people living in that area means reduced accidents in addition to lower liability claims
• Drive less and pay lower prices – Driving a lot of miles in a year’s time the higher the price you pay to insure it. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage can get a lower rate than those used for commuting. Double check that your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated Civic may be wasting your money.
• Teenagers are high risk – Youthful drivers are known to be easily distracted when driving with friends therefore car insurance rates are much higher. Older insureds are shown to be more cautious, are lower risk to insure .
• Policy lapses lead to higher premiums – Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. And not only will your rates increase, the inability to provide proof of insurance could earn you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Pay more by driving carelessly – A bad driving record impacts premiums far more than you think. Even one speeding ticket may increase your cost forty percent or more. Drivers who don’t get tickets get better prices than their less careful counterparts. Drivers who have received license-revoking tickets such as DUI or willful reckless driving are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

• Is my trailer covered?
• Do all my vehicles need collision coverage?
• Are my tools covered if they get stolen from my vehicle?
• Should I buy only the required minimum liability coverage?
• I have health insurance so do I need medical payments coverage?
• Are rock chip repairs covered?
• How much underlying liability do I need for an umbrella policy?
• Is a fancy paint job covered?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Drivers who switch save $416 a year? Really?

Drivers can’t escape the ads that claim the lowest auto insurance rates from companies such as Allstate and Progressive. All the companies make an identical promise of big savings if you just switch your coverage to them.

But how can every company give you a better price? This is how they do it.

All the different companies give the best rates for the type of driver that will generate a profit. A good example of a profitable insured could possibly be a married male, has few claims, and drives a vehicle with a low ISO rating. Anyone who meets those qualifications receives the best premium rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who may not quite match the requirements will be quoted a higher premium which leads to business going elsewhere. The wording the ads use say “people that switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can claim big savings. This emphasizes why you should get price quotes at each policy renewal. It is just not possible to predict which company will provide you with the cheapest auto insurance rates.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, pain and suffering, repair costs for stationary objects, emergency aid and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This pays for damage to your Civic caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, colliding with a tree, rolling your car, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, doctor visits, rehabilitation expenses, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2007 Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

One last thing

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We’ve covered a lot of techniques to shop for 2007 Honda Civic insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost auto insurance. Consumers may even find the biggest savings come from an unexpected company.

Low-cost 2007 Honda Civic insurance can be purchased both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not provide rate quotes online and many times these regional insurance providers prefer to sell through independent agents.

For more information, link through to the following helpful articles:

• Auto Insurance 101 (About.com)
• Credit Impacts Car Insurance Rates (State Farm)
• Information for Teen Drivers (Geico)
• Electronic Stability Control FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)