2010 Honda Civic Insurance Rates – 7 Ideas for Cheapest Quotes

Searching for the cheapest auto insurance rates for your Honda Civic? Locating the cheapest insurance for your Honda Civic can turn out to be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to buy auto insurance so you’re going to learn the best way to price shop coverage for your Honda and find the cheapest rates from local insurance agents and online providers.

It’s a great practice to get comparison quotes quite often because prices tend to go up over time. Despite the fact that you may have had the lowest rate on Civic insurance two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.

How to buy car insurance

Reducing your 2010 Honda Civic insurance rates is an easy way to save money. The only requirement is to invest a few minutes comparing free car insurance quotes to find the company with the cheapest car insurance quotes. Insurance prices can be quoted in several different ways.

1. Hands down the most simple method to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing separate quotation requests to each individual car insurance company. A single form gets coverage cost estimates from several companies. Recommended for those who want to invest the least amount of time.
2. A different way to find better pricing consists of visiting the website for every company you want to comare and fill out a new quote form. For instance, we’ll pretend you want to compare Allstate, 21st Century and Progressive. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
3. The most difficult way to find lower rates is actually driving to each insurance agency near you. The ability to buy insurance online has reduced the need for local agents unless you have a complicated situation and need the guidance of a licensed agent. It is possible to compare online quotes but buy from a local insurance agent.

It’s up to you which method you use, but make sure you compare the same coverage information for each quote you get. If you have mixed coverages it will be nearly impossible to make a fair rate comparison.

Cheaper insurance quotes with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for before you get the savings.

• Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
• Active Service Discounts – Having a deployed family member could be rewarded with lower premium rates.
• Paper-free Discount – A handful of larger companies will give you a small discount for signing up over the internet.
• Passive Restraints – Options like air bags or motorized seat belts could see savings up to 30%.
• Discounts for Responsible Drivers – Accident-free drivers could pay up to 40% less on Civic insurance compared to accident prone drivers.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings because maintaining a house requires personal responsibility.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.

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 liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

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

• American Family discounts include mySafetyValet, early bird, Steer into Savings, good student, multi-vehicle, defensive driver, and TimeAway discount.
• Nationwide offers premium reductions for multi-policy, easy pay, business or organization, anti-theft, Farm Bureau membership, defensive driving, and family plan.
• MetLife offers discounts for good driver, defensive driver, accident-free, multi-policy, claim-free, and good student.
• 21st Century has discounts for student driver, automatic seat belts, teen driver, anti-lock brakes, homeowners, and driver training.
• Farmers Insurance may offer discounts for pay in full, early shopping, good student, distant student, and mature driver.
• Allstate policyholders can earn discounts including senior citizen, auto/life discount, anti-theft, premier discount, eSmart discount, teenSMART discount, and anti-lock brakes.

Before buying, ask each company or agent what discounts are available to you. Depending on the company, some discounts may not be offered in your state. To locate insurance companies who offer insurance discounts, click this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if you might need an agent’s assistance.

• Does my insurance cover a custom paint job?
• Is my cargo covered for damage or theft?
• Should I get collision insurance on every vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• What is PIP insurance?
• Does my 2010 Honda Civic qualify for pleasure use?
• Do I need medical payments coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• When does my teenage driver need to be added to my policy?
• What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as 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. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, vandalism, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, X-ray expenses, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Liability auto insurance

This can cover damage that occurs to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like court costs, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Quote more. Save more.

Throughout this article, we presented a lot of tips how to get a better price on 2010 Honda Civic insurance. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the lowest rates are with the smaller companies.

Low-cost 2010 Honda Civic insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

For more information, feel free to browse the following helpful articles:

• Car Insurance: When not to Skimp (BankRate.com)
• What Insurance is Cheapest for a Honda Civic in Tulsa? (TulsaCoverage.com)
• How Much are Car Insurance Quotes for a Honda Civic in Albuquerque? (InsureABQ.com)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Affordable Honda Civic Insurance in San Francisco (SFAutoGuard.com)
• Shopping for a Safe Car (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)