Compare 2017 Honda Civic Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Honda Civic? Saving money on Driversauto insurance may be hard for drivers who have little experience quoting and comparing prices online. Drivers have so many agents and companies to choose from that it can easily become a chore to find better prices.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will be able to save some money using these tips. But drivers must understand the methods companies use to sell online because it can help you find the best coverage.

The quickest method to compare car insurance rates is to know the trick most larger insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is provide information like whether the vehicles are used for commuting, the ages of drivers, whether your vehicle is owned or leased, and if you are currently licensed. Those rating factors is instantly submitted to multiple top-rated companies and you get price estimates instantly.

Double check you’re getting with these discounts

Car insurance is not cheap, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked about before you get the savings.

• Accident Forgiveness – but some companies like Allstate, State Farm and Geico may permit one accident before your rates go up so long as you are claim-free for a specific time period.
• Discount for Home Ownership – Just owning your own home can help you save on insurance because it demonstrates responsibility.
• Policy Bundle Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you will save approximately 10% to 15%.
• Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying your policy digitally online.
• Senior Discount – If you’re over the age of 55, you may receive a slight reduction on a auto insurance quote for Civic insurance.
• Anti-lock Brakes – Vehicles that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your overall premium however.

Larger insurance companies and some of the discounts can be read below.

• Travelers offers discounts including IntelliDrive, multi-car, good student, new car, and student away at school.
• 21st Century offers premium reductions for theft prevention, good student, air bags, 55 and older, homeowners, and early bird.
• State Farm has discounts for driver’s education, good student, good driver, accident-free, passive restraint, student away at school, and anti-theft.
• Geico may include discounts for federal employee, multi-vehicle, good student, military active duty, multi-policy, emergency military deployment, and seat belt use.
• SAFECO includes discounts for teen safety rewards, anti-theft, accident prevention training, safe driver, and homeowner.
• AAA has savings for AAA membership discount, good student, education and occupation, good driver, multi-car, and multi-policy.

When getting a coverage quote, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not apply in your state.

Your situation helps dictate your coverage

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might point out whether or not you would benefit from professional advice.

• Do I have coverage if my license is suspended?
• What is the rate difference between pleasure use and commuting?
• Do I have newly-aquired coverage?
• What if I total my 2017 Honda Civic and owe more than it’s worth?
• Is my custom paint covered by insurance?
• If my 2017 Honda Civic is totaled, can I afford another vehicle?
• Do I need replacement cost coverage?
• Do I need rental car coverage?
• Does medical payments coverage apply to all occupants?

If you’re not sure about 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, simply complete this short form.

Honda Civic insurance rate factors

A large part of saving on insurance coverage is knowing some of the elements that help determine your insurance coverage rates. If you have some idea of what determines premiums, this enables you to make decisions that can earn you lower premium levels.

The factors shown below are most of the major factors used by companies to determine rates.

• Safeguard your assets with liability insurance – The liability section of your policy provides coverage in the event that you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
• Males tend to take more risk – The statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Both genders get in accidents in similar percentages, but the males cause more damage. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI.
• Do you need those add-on coverages? – There are a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Coverage for things like roadside assistance, towing, and extra equipment coverage could be just wasting money. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
• Claim-free discounts can add up – Car insurance companies provide discounts to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is intended for larger claims.
• Insurance is expensive for younger drivers – Older people are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.Beginning drivers are statistically shown to be inattentive in a vehicle so insurance coverage rates are higher.

Car insurance myths debunked

Big name companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. All the ads have a common claim about saving some big amount after switching to them. How does each company have lower policy pricing?

Insurance companies quote the lowest rates for the type of customer that will most likely be profitable. An example of this type of driver should be a mature driver, has few claims, and chooses high deductibles. Any driver who meets those qualifications will get the preferred auto insurance rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements must pay more expensive rates and ends up with the customer buying from someone else. Company advertisements say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make those statements. Because of this risk profiling, you should compare price quotes frequently. Because without a comparison, you cannot know which company will have the lowest premium rates for your situation.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, X-ray expenses, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. 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 hitting a bird, vandalism and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your Civic caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a parking meter, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in 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. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, loss of income, funeral expenses, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Find Good Coverage for Less

Some companies do not provide online price quotes and these small, regional companies only sell through independent insurance agencies. Affordable 2017 Honda Civic insurance can be found both online and from local agencies, so compare prices from both in order to have the best price selection to choose from.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest cost.

Drivers switch companies for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, denial of a claim or high prices. It doesn’t matter what your reason, finding a new company can be pretty painless.

More information is located below:

• Anti-Lock Brake FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)