2009 Honda Civic Insurance Quotes

Searching for cheaper insurance for a Honda Civic can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Honda and obtain the best price possible either online or from local insurance agents.

Consumers need to compare premium rates yearly because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best premium rates for Civic coverage last year there is a good chance you can find better prices now. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.

The quickest way to compare insurance rates from multiple companies is to understand auto insurance companies will pay a fee to provide you with free rate quotes. To get started, all you need to do is provide a little information like how much education you have, what you do for a living, how much coverage you want, and how much you drive. Your insurance information is instantly submitted to multiple different insurance companies and they respond with quotes instantly to find the best rate.

Discount car insurance rates

Not many people think insurance is cheap, but you may be missing some discounts that you may not even know about. Some trigger automatically when you purchase, but lesser-known reductions have to be asked for before you will receive the discount.

• Good Student – Excelling in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Senior Citizen Discount – If you’re over the age of 55, you can get a slight reduction on a insurance quote for Civic coverage.
• Good Driver Discount – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Civic coverage than drivers with accident claims.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off PIP or medical payments premium.
• Distant College Student Discount – Kids living away from home attending college and do not take a car to college could qualify for this discount.
• Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Discounts lower rates, but most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts can be read below.

• State Farm offers discounts including accident-free, multiple policy, good driver, anti-theft, good student, and multiple autos.
• Farmers Insurance has savings for good student, electronic funds transfer, distant student, pay in full, youthful driver, business and professional, and early shopping.
• Geico includes discounts for anti-theft, driver training, anti-lock brakes, emergency military deployment, good student, and seat belt use.
• American Family policyholders can earn discounts including early bird, good student, accident-free, Steer into Savings, air bags, and bundled insurance.
• Nationwide has discounts for anti-theft, accident-free, defensive driving, family plan, easy pay, Farm Bureau membership, and business or organization.
• Progressive discounts include good student, multi-vehicle, online signing, multi-policy, online quote discount, and homeowner.

When comparing rates, check with each company which discounts they offer. Some discounts listed above may not apply everywhere. For a list of insurers with the best car insurance discounts, follow this link.

What determines Honda Civic insurance premiums?

When buying car insurance it’s important to understand some of the factors that help calculate the rates you pay for car insurance. If you know what controls the rates you pay, this allows you to make good choices that may reward you with cheaper rates. Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are more transparent like where you live or how safe your car is.

• Never have car insurance policy lapses – Allowing your car insurance policy to lapse is a fast way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance could earn you fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
• More policies can equal more savings – The majority of insurance companies will award better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, you may still want to get quotes from other companies to verify if the discount is saving money. You may still save even more than the discount even if you have your coverage with different companies
• Youthful drivers pay more – Young drivers have a tendency to be easily distracted behind the wheel therefore car insurance rates are much higher. If you’ve ever had to add a teenage driver onto your car insurance can be quite pricey. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims and get fewer tickets.
• Do you really need the incidental coverages? – There are quite a few extra coverages that can waste your money on your car insurance policy. Add-on coverages like rental car coverage, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when buying your policy, but if they’re wasting money eliminate them to save money.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover if you could use an agent’s help.

• What discounts do I qualify for?
• Can I afford to pay high deductible claims out of pocket?
• Is my teenager covered with friends in the car?
• Should I carry comprehensive and collision coverage?
• Where can I find high-risk insurance?
• Is my nanny covered when driving my vehicle?
• Does coverage extend to my business vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

But the ad said I’d save 15% in 15 minutes!

Drivers can’t ignore all the ads that claim the cheapest rates by companies like State Farm, Allstate and Geico. All the ads convey the message that you can save if you just switch your policy.

How is it plausible that every one can have lower policy pricing?

Most companies offer their best rates for the type of customer that will generate a profit. For example, this type of driver might have to be a mature driver, carries full coverage, and chooses high deductibles. Anyone who fits those characteristics will probably get the lowest prices and have a good chance to save when switching.

Potential customers who fall short of the requirements will probably be forced to pay higher prices and this can result in business going elsewhere. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully make those claims.

This really emphasizes why it’s extremely important to get price quotes at each policy renewal. Because you never know the company that will be your best fit.

Auto insurance coverage information

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision coverage will pay to fix damage to your Civic from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 2009 Honda Civic.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, nursing services, chiropractic care and EMT expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Never pay more for less

Cost effective 2009 Honda Civic insurance can be purchased both online in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies don’t offer online rate quotes and many times these regional carriers provide coverage only through independent agencies.

When shopping online for insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest cost while still protecting your assets.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, not issuing a premium refund and poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is not as difficult as it may seem.

More information is available below:

• Coverage Information (Progressive Insurance)
• What Insurance is Cheapest for a Honda Civic in Baltimore? (BaltimoreAutoGuard.com)
• How Much is Sacramento Car Insurance for a Honda Civic? (InsureSacramento.com)
• Senior Drivers (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)