Lower Your 2008 Honda Civic Car Insurance Cost

There isn’t anyone who likes paying for insurance coverage, particularly when the cost is too high. Because you have many choices of insurance companies, it can be challenging to locate the most affordable insurer.

It’s smart to do price comparisons on a regular basis because prices are variable and change quite frequently. Even if you think you had the best quotes for Civic coverage six months ago the chances are good that you can find a lower rate today. You’ll find a ton of advice on insurance coverage on the internet, but in just a couple of minutes you can learn the best ways to lower your insurance coverage premiums.

Find hidden discounts on insurance coverage

Car insurance can cost a lot, but companies offer discounts that could help you make your next renewal payment. Certain reductions will be credited when you quote, but some discounts are required to be asked about prior to receiving the credit.

• Military Discounts – Being deployed in the military could mean lower prices.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
• Senior Citizen Rates – Mature drivers may receive reduced rates for Civic coverage.
• Cautious Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less for Civic coverage than drivers with accident claims.
• Early Renewal Discounts – A few companies give discounts for switching to them before your current expiration date. You can save around 10% with this discount.
• Good Grades Discount – Being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.

It’s important to note that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free insurance coverage policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts might not be offered in your area.

The cheapest car insurance rate quotes

Getting a cheaper price on 2008 Honda Civic insurance is not a difficult process. All you need to do is take a few minutes comparing rate quotes from some recommended companies. It’s super easy and can be done using one of these methods.

1. Without a doubt, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do multiple quote forms for each company. Completing one form gets you price quotes from all major companies.
2. A less efficient way to find more affordable insurance is spending the time to visit each company website and complete a new quote form. For sake of this example, we’ll assume you want to see prices from Geico, 21st Century and American Family. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
3. The hardest way of comparing rate quotes is calling or driving to insurance agencies in your area. Quoting online can eliminate the need for a local agent unless you want the trained guidance of an agent trained in personal lines coverage. Although, it is possible compare the best prices online but buy from a local insurance agent.

Whichever way you choose to compare rates, be sure to compare the exact same deductibles and coverage limits with every price quote. If your comparisons have different data it will be very difficult to truly determine the lowest rate.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Should I buy more coverage than the required minimum liability coverage?
• How high should my medical payments coverage be?
• When should I not file a claim?
• How do I insure my teen driver?
• Why do I only qualify for high-risk insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Why am I required to get a high-risk car insurance policy?
• Is my 2008 Honda Civic covered for flood damage?
• Is my teen driver covered when they drive my company car?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage considerations

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Liability coverage – This will cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, emergency aid, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding 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 things like backing into a parked car, crashing into a ditch, sideswiping another vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Civic.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for X-ray expenses, surgery, chiropractic care, pain medications and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hail damage, vandalism, damage from getting keyed and damage from flooding. The maximum payout 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.

Knowledge is power

Budget-friendly insurance can be found both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer the ability to get quotes online and usually these small, regional companies only sell coverage through independent agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

For more information, feel free to browse the articles below:

• Teen Driver Statistics (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Property Damage Coverage (Liberty Mutual)