Cheaper 2014 Honda Civic Insurance Quotes

Trying to find the cheapest insurance for a Honda Civic can turn out to be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to price shop coverage for a Honda and get the cheapest rates.

Finding affordable coverage is not that difficult. If you have a policy now or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to understand how to compare prices online.

Compare insurance coverage price quotes

All major insurance coverage companies provide pricing directly from their websites. The process is fairly straightforward as all you need to do is type in your personal and coverage information into the form. Upon sending the form, their rating system pulls your driving record and credit report and generates pricing information based on these and other factors.

Online price estimates streamlines rate comparisons, but the time required to go to multiple sites and type in your information is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to get the lowest insurance coverage rates.

Compare rates the easy way

A better way to compare rates requires only one form to obtain quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes online quotes much easier to do. As soon as the form is sent, it is rated and you can choose any of the pricing results. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here and submit the form. If you have coverage now, it’s recommended you complete the form with your coverages as close as possible to your current policy. Doing this guarantees you will have a price comparison for exact coverage.

Smart consumers know how to buy car insurance cheaper

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help determine the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can earn you cheaper rates. Multiple criteria are used when pricing auto insurance. A few of the factors are predictable such as your driving record, but other criteria are not as apparent like your continuous coverage or your vehicle rating.

• Liability protection limits on your policy – Liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
• Lower prices with theft deterrents – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
• Filing claims can increase rates – If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Insurance companies provide the lowest premiums to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Youthful drivers cost more – Teen drivers have a tendency to be careless and easily distracted in a vehicle therefore car insurance rates are much higher. If you’ve ever had to add a first-time driver onto your car insurance will cause a huge premium hike. More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
• Commute or pleasure use – Driving a lot of miles each year the more you will pay for car insurance. A lot of companies charge to insure your cars partially by how you use the vehicle. Autos left parked in the garage get more affordable rates than those used for commuting. It’s always a good idea to double check that your vehicle rating properly reflects the proper vehicle usage. Having the wrong rating on your Civic may be costing you higher rates.
• Car insurance policy lapses lead to higher premiums – Not maintaining insurance can get your license suspended and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.
• Being married brings a discount – Getting married may save some money when shopping for car insurance. Marriage demonstrates that you tend to be more mature it has been statistically shown that being married results in fewer claims.
• Coverage deductibles are a factor – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims are colliding with a building, collision with an animal, and damage caused by flying debris. The deductibles you choose tell how much you are required to spend if a covered claim is submitted. The more damage repair cost you’re willing to pay, the better rate you will receive for Civic coverage.

More affordable rates with these discounts

Insuring your fleet can be pricey, but there could be available discounts that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but a few need to be requested specifically before you get the savings.

• Air Bags and Passive Restraints – Factory air bags may earn rate discounts of 20 to 30 percent.
• Sign Online – Some of the larger companies will give you a small discount for buying your policy digitally online.
• Organization Discounts – Participating in qualifying clubs or civic groups is a good way to get lower rates when getting a insurance quote.
• Include Life Insurance and Save – Select companies reward you with a lower price if you buy life insurance from them.
• Low Mileage – Low mileage vehicles may allow you to get slightly better rates than normal.
• Homeowners Savings – Owning your own home or condo can get you a discount because maintaining a house requires personal responsibility.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

If you would like to view companies that offer some of these discounts, click here to view.

Insurance can be complex

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

• What is roadside assistance coverage?
• When would I need additional glass coverage?
• When should my teen driver be added to my policy?
• What if I don’t agree with a claim settlement offer?
• How do I buy GAP insurance?
• Are rental cars covered under my policy?
• Does my car insurance cover rental cars?
• Is my teen driver covered when they drive my company car?
• Do I need replacement cost coverage on my 2014 Honda Civic?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance specifics

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, colliding with a tree, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, funeral costs, rehabilitation expenses, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, funeral expenses, court costs and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Honda Civic.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Don’t break the bank

Cheaper 2014 Honda Civic insurance can be purchased on the web and from local agencies, so you need to shop insurance with both to have the best selection. Some car insurance companies don’t offer rates over the internet and many times these small, regional companies only sell coverage through independent agencies.

We covered many ideas to shop for 2014 Honda Civic insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap insurance. Consumers may even find the best rates are with the smaller companies.

Consumers switch companies for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, extreme rates for teen drivers or policy non-renewal. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.

Helpful information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)