2015 Honda Civic Car Insurance Cost

Searching for the cheapest car insurance rates for your Honda Civic? Do you get exhausted from scraping the payment together to insure your Honda every month? You are in the same boat as millions of other drivers.

Many car insurance companies vie for your business, so it can be very hard to choose a insurance company and get the definite lowest price

The method we recommend to get policy rate comparisons is to know most of the larger companies provide online access to provide you with a free rate quote. The only thing you need to do is provide a little information such as your occupation, any included safety features, the year, make and model of vehicles, and how much you drive. Your details gets transmitted to insurance carriers in your area and you should receive rate quotes within a short period of time.

To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance.

Verify you’re applying every discount

Car insurance is not an enjoyable expense, but you might find some hidden discounts to cut the cost considerably. Certain reductions will be credited when you quote, but some may not be applied and must be specifically requested in order for you to get them.

  • Lower Rates for Military – Having an actively deployed family member could qualify you for better car insurance rates.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Paperwork-free – Certain car insurance companies will discount your bill up to fifty bucks shop auto insurance on the web.
  • Discounts for New Vehicles – Adding a new car to your policy is cheaper since newer models are generally safer.
  • Telematics Discount – Insureds who allow their car insurance company to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way.

Some companies that may include most of these discounts are:

It’s a good idea to ask each insurance company which discounts you qualify for. Some credits might not be offered in your area. If you would like to see a list of companies who offer discounts, follow this link.

Cut insurance costs with these tips

Many factors are considered when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are more transparent such as your credit history and annual miles driven.

The factors shown below are most of the major factors utilized by car insurance companies to help set prices.

  • Safeguard your assets with liability protection – Liability coverage will afford coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
  • Your car’s features help determine rates – Buying a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
  • Does your vocation raise your rates? – Occupational choices like military personnelair traffic controllers and accountants usually pay the highest rates due to intense work-related stress and extremely grueling work hours. On the flip side, careers like professors, students and homemakers pay lower than average rates on Civic coverage.
  • Do you know you’re credit score? – Having a bad credit rating is a big factor in determining premium rates. So if your credit is lower than you’d like, you could pay less to insure your 2015 Honda Civic by repairing your credit. People that have very high credit ratings tend to be more responsible than drivers with poor credit.
  • Rate your vehicle for proper use – The more miles you rack up on your Honda each year the more you will pay for insurance. Most companies calculate rates based on their usage. Cars and trucks that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Civic is just wasting money. It’s a good idea to make sure your insurance coverage reflects the correct usage.
  • Marriage is a good thing – Having a spouse actually saves money on your policy. Having a significant other is viewed as being less irresponsible and insurance companies like that married drivers tend to file fewer claims.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • Where can I get insurance after a DUI in my state?
  • What is an SR-22 filing?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I insure my teen driver?
  • Can I afford to buy a different vehicle if my 2015 Honda Civic is totaled?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage in the media

Well-known insurance coverage companies like Geico, State Farm and Progressive regularly use television and radio advertisements. All the ads tend to make the same promise that you can save if you get a free auto insurance quote and switch to them. How does every company give you a lower rate? This is how they do it.

All companies quote their cheapest rates for the right customer that makes them money. A good example of this type of insured could be between the ages of 30 and 45, has a clean driving record, and has great credit. A customer getting a price quote who fits that profile will probably get the lowest premium rates and will also save some money.

Consumers who don’t meet these stringent criteria may receive a higher rate which results in the driver buying from a lower-cost company. Company advertisements say “people that switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can confidently make those statements. Because every company is different, you really should get price quotes at each policy renewal. It’s just not possible to know with any certainty which company will give you the biggest savings.

Auto insurance coverage information

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, X-ray expenses, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, legal defense fees, bail bonds, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured or underinsured coverage – This gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, colliding with a tree, hitting a mailbox, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed, theft, hitting a deer and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

Budget-conscious 2015 Honda Civic insurance can be bought on the web in addition to many insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. There are still a few companies who do not offer online rate quotes and usually these small insurance companies sell through independent insurance agents.

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford.

Additional detailed information is available at these sites:

Comments About 2015 Honda Civic Insurance

  1. Billie French

    Will Allstate raise rates for a small claim?

  2. Jenette Monroe

    Nice info. I’m in Biloxi, MS. Got quotes from Auto-Owners, Farmers, and Nationwide for my Honda and I think I am saving around $50 each month. I have several vehicles insured with them.

  3. Arnette Weaver

    Great site. I’m in the suburbs of Rockford, Illinois. Compared quite a few companies. Saved roughly $60 a month. GEICO was the most affordable for me. Ask about discounts. Just waiting to see how claims go.

  4. Samatha Fitzgerald

    I compared a lot of rate quotes for a 2015 Honda Civic in Lexington, KY. Ended up at right around $330 every six months with Auto-Owners. Insured with Erie before.

  5. Genesis Wall

    I live just outside Idaho Falls, ID. Got car insurance quotes with Allstate, Eastwood, and Liberty Mutual for my 2015 Honda Civic and saved just over $460 a year.

  6. Idell Lynn

    I got quite a few price quotes for a 2015 Honda Civic in Rio Rancho, New Mexico. Ended up at roughly $280 every six months with AIG Insurance. Left GEICO to switch.

  7. Etta Stanley

    Affordable car insurance is a myth. I live just to the north of Virginia Beach, VA. I compared lots of rates. Saved right around $60 a month. Progressive was the best choice for me. You can get a rate quote online.

  8. Coralie Hodge

    I’m in the north part of Billings, MT. Quoted prices from Mercury, Erie, Progressive, and American Family for my Civic and I think I am saving around $70 each month. Left Eastwood to switch. I have kids on my policy, too.