2024 Honda Civic Car Insurance Rates – 6 Tips for Cheaper Quotes

Want cheaper car insurance rates for your Honda Civic? No sane person looks forward to paying for car insurance, especially knowing the cost is way too high.

Insurance companies such as State Farm, Progressive and GEICO constantly blast consumers with catchy ads and it is challenging if not impossible to ignore the propoganda and find the best price available.

It’s a good idea to compare prices before your next renewal because car insurance prices are adjusted regularly by insurance companies. Just because you had the best rates for Civic coverage last year there may be better deals available now. You can find a lot of misleading information regarding car insurance online, but in this article, you’re going to get some of the best techniques to find affordable car insurance.

Auto insurance discounts help cut rates

Some companies don’t always list all their discounts very well, so below is a list some of the best known in addition to some of the lesser obvious credits that may apply to you.

• Driving Data Discount – Insureds who allow their insurance company to spy on driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
• Fewer Miles Equal More Savings – Keeping the miles down on your Honda can earn better auto insurance rates on cars that stay parked.
• Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as GEICO and Allstate may permit one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Homeowners Pay Less – Owning a home can help you save on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
• Early Switch Discount – Select insurance companies give a discount for signing up early. It’s a savings of about 10%.
• Membership in Organizations – Affiliation with qualifying clubs or civic groups could trigger savings when shopping for auto insurance.

One last thing about discounts, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it’s just not the way it works. But any discount will help reduce your policy cost.

To see a list of insurers who offer free auto insurance quotes, enter your zip code here.

Which is the best auto insurance?

When it comes to buying the best auto insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• Do I need higher collision deductibles?
• Do I have coverage when pulling a U-Haul trailer?
• How much underlying liability do I need for an umbrella policy?
• Am I covered by my spouse’s policy after a separation?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can I drive in Mexico and have coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Is my camper covered by my car insurance policy?
• Am I covered when driving a rental car?
• Do I need more liability coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code.

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Liability

This coverage will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield, hitting a deer and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This will pay to fix damage to your Civic resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Civic.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

More comparisons equals lower rates

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

More affordable insurance coverage can be sourced both online and with local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who may not provide rate quotes online and these small insurance companies prefer to sell through local independent agencies.