Cheap 2016 Honda Civic Insurance Rates

Comparing insurance quotes online may seem to be difficult since most people haven’t used quoting online. But relax because comparing rates is actually very simple.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Nevertheless, consumers should learn how the larger insurance companies sell insurance online and take advantage of how the system works.

You can change your insurance rates

Lots of things are used when premium rates are determined. Some are obvious like an MVR report, but some are less obvious like your continuous coverage or your vehicle rating.It’s important that you understand a few of the rating criteria that play a part in calculating the rates you pay for auto insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower auto insurance prices.

The list below includes some of the factors utilized by car insurance companies to help set rates.

• Gender as a rate factor – Statistics demonstrate that females take fewer risks when driving. However, this does not mean females are better drivers. Both sexes get in auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get ticketed for serious violations such as DWI and reckless driving.
• File insurance claims and pay more – If you file a lot of claims don’t be surprised to see either higher rates or even cancellation. Car insurance companies award the best rates to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Small coverages can add up – Insurance policies have a lot of extra bells and whistles that you can buy on your Civic policy. Coverages for coverage for rental cars, accident forgiveness, and Farm Bureau memberships could be just wasting money. The coverages may be enticing initially, but if you have no use for them eliminate them to save money.
• Big cities mean more claims – Residing in a small town is a positive aspect when talking about auto insurance. Urban drivers have congested traffic and more severe claims. Fewer people means reduced accidents as well as less vandalism and auto theft.
• Avoid tickets and save – How you drive influences premium rates substantially. Having a single chargable violation can boost insurance rates by as much as twenty percent. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers who have gotten flagrant citations such as DUI or willful reckless driving may face state-mandated requirements to file a SR-22 with their state DMV in order to prevent their license from being revoked.

The most recommended method to compare car insurance rates is to know the fact most of the bigger providers have advanced systems to provide you with a free rate quote. The only thing you need to do is give the companies some data like if it has an alarm system, driver details, whether you have decent credit, and what your job is. That information is then submitted to multiple companies and they return cost estimate immediately.

To compare rates for your 2016 Honda Civic now, click here and enter the information requested.

But they said I’d save $459 a year!

Popular car insurance providers such as Progressive, Geico, Allstate and State Farm seem to constantly run ads in print and on television. They all advertise the message about savings if you get a free insurance quote and switch your coverage. How does every company make the same claim?

All companies have a certain “appetite” for the type of driver that earns them the most money. For instance, this type of risk profile may be between 30 and 50, owns a home, and drives less than 10,000 miles a year. Any customer who fits that profile receive the lowest rate quotes and will most likely save quite a bit of money when switching.

Insureds who fall outside those standards will be charged higher premium rates which results in the customer buying from someone else. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save that much. That’s the way companies can make those statements. Each company has different criteria, so you need to get as many free insurance quotes as possible. It’s impossible to know which car insurance company will have the best premium rates for your profile.

Find discounts to get cheap car insurance quotes

Some companies don’t always publicize all their discounts very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous credits available to lower your premiums when you buy insurance online. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Telematics Discount – Drivers who agree to allow their company to analyze driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• 55 and Retired – Seniors can get reduced rates on Civic insurance.
• Student Discounts – Getting good grades may save you up to 25%. You can use this discount normally until age 25.
• Air Bags and Passive Restraints – Cars that have air bags can get savings of 20% or more.
• Discount for Home Ownership – Owning your own home or condo may earn you a small savings because of the fact that having a home is proof of financial responsibility.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

If you would like to see a list of insurers who offer free car insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

• Am I covered when driving in Canada or Mexico?
• How can I get my company to pay me more for my totalled car?
• Will my rates increase for filing one claim?
• Am I better off with higher deductibles on my 2016 Honda Civic?
• Does my medical payments coverage pay my health insurance deductible?
• Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability insurance – This protects you from damage that occurs to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as structural damage, repair costs for stationary objects, medical services, attorney fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision – This covers damage to your Civic resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, prosthetic devices, pain medications, surgery and ambulance fees. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Have the Midas touch

People who switch companies do it for a variety of reasons including not issuing a premium refund, policy cancellation, denial of a claim and delays in paying claims. Regardless of your reason, choosing a new company is actually quite simple.

We covered a lot of techniques to get a better price on 2016 Honda Civic insurance. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting low cost insurance. You may even discover the lowest priced insurance comes from a small local company.

When getting insurance quotes online, do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

More information is located at the links below

• State Laws for Cellphones and Texting (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Teen Driver Statistics (Insurance Information Insitute)