2013 Honda Civic Insurance Rates

Searching for cheaper insurance rates for your Honda Civic? There isn’t anyone who likes having to buy insurance, especially when the cost is too high. Since you have so many insurance companies to choose from, it’s difficult to pick a lower cost insurer.

You need to quote other rates quite often because insurance rates are usually higher with each renewal. Even if you got the best deal on Civic coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

The Honda Civic insurance price equation

Lots of factors are considered when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are not as apparent such as your marital status or how financially stable you are.

• Do you have enough liability coverage? – The liability section of your policy is the protection when you are determined to be liable for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage compared to comp and collision, so do not cut corners here.
• Your occupation is a factor – Did you know your insurance rates can be affected by your occupation? Occupations such as doctors, executives and miners generally have the highest average rates because of intense work situations and lengthy work days. On the other hand, jobs like scientists, engineers and the unemployed generally pay rates lower than average on Civic coverage.
• Getting married brings a discount – Walking down the aisle actually saves money when shopping for insurance. Marriage demonstrates that you tend to be more responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. Vehicles built for safety reduce injuries and better occupant protection means less claims paid which can mean better rates for you. If your Honda is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Save mileage and save money – The higher the miles on your Honda in a year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how much you drive. Cars used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance policy is showing the proper vehicle usage, because it can save money. Having the wrong rating on your Civic can result in significantly higher rates.

The quickest method we recommend to compare insurance rates from multiple companies is to understand most of the larger companies will pay a fee to give free rates quotes. The only thing you need to do is provide information like types of safety features, whether you are married, your education level, and daily mileage. That rating data is instantly provided to many highly-rated insurers and they respond with quotes immediately.

Insurance advertising gotchas

Consumers can’t get away from ads for the lowest price insurance from companies such as Progressive, Allstate and Geico. All the companies make the point about saving some big amount after switching your coverage to them.

But how can every company sell you cheaper insurance coverage? Here is how they do it.

Insurance providers quote their cheapest rates for the type of customer that will be a good risk. For instance, this type of risk profile may need to be over the age of 35, has no tickets, and the vehicle is rated for pleasure use. Any person who fits that profile may get the lowest premium rates and most likely will save when they switch companies.

Drivers who don’t qualify for those standards will see higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “people that switch” not “everyone that quotes” save that kind of money. That is how companies can claim big savings. Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will have the best prices at this point in time.

Affordable car insurance rates with discounts

Companies offering auto insurance don’t necessarily list all their discounts very well, so here is a list both well-publicized in addition to some of the lesser obvious ways to save on car insurance. If you do not double check each discount available, it’s possible you qualify for a lower rate.

• Savings for New Vehicles – Insuring a new car can get you a discount since new vehicles are generally safer.
• Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Telematics Data – Drivers who elect to allow their car insurance company to monitor driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
• More Vehicles More Savings – Drivers who insure multiple cars with the same company can reduce the rates for all insured vehicles.
• Waiver for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and Geico will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.
• Government Employee Discount – Active or retired federal employment can save as much as 8% on Civic coverage with a few car insurance companies.
• Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Civic coverage than drivers with accidents.
• Switch and Save Discount – Select car insurance companies give a discount for buying a new policy before your current policy expires. This discount can save up to 10%.
• Discount for Life Insurance – Some car insurance companies give better prices if you take out life insurance from them.

Just know that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Large car insurance companies and a partial list of their discounts are outlined below.

• Progressive includes discounts for good student, multi-vehicle, homeowner, continuous coverage, and online signing.
• MetLife offers premium reductions for multi-policy, claim-free, good student, good driver, accident-free, defensive driver
• Mercury Insurance policyholders can earn discounts including anti-theft, ease of repair, age of vehicle, multi-car, accident-free, good driver, and location of vehicle.
• Nationwide may include discounts for Farm Bureau membership, multi-policy, anti-theft, defensive driving, and easy pay.
• Geico has discounts for federal employee, anti-lock brakes, anti-theft, military active duty, and driver training.
• AAA has savings for education and occupation, good driver, AAA membership discount, good student, multi-car, anti-theft, and multi-policy.

When comparing rates, check with each company what discounts are available to you. Some of the earlier mentioned discounts may not apply everywhere. To see a list of companies who offer cheap car insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions can help discover if you will benefit from professional help.

• Does my medical payments coverage pay my health insurance deductible?
• Am I covered when pulling a rental trailer?
• What is an SR-22 filing?
• Should I have a commercial auto policy?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I have combined single limit or split liability limits?
• Can I make deliveries for my home business?
• Should I sign the liability waiver when renting a car?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I missing any policy discounts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Specific coverages for a Honda Civic

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, medical services, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision insurance covers damage to your Civic resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for surgery, funeral costs, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass, damage from flooding and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Buy online or local, you save

In this article, we presented some good ideas how you can save on 2013 Honda Civic insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Lower-priced 2013 Honda Civic insurance is available both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not have online rate quotes and most of the time these regional carriers prefer to sell through independent insurance agents.

Even more information is located in the articles below:

• Car Insurance: When not to Skimp (BankRate.com)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)