Comparing Auto Insurance for a Honda Civic Made Easy

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest price

It’s a good idea to compare rates before your policy renews since rates fluctuate regularly. If you had the lowest rates on Civic coverage a few years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance online, so we’re going to give you some great ideas on how to stop overpaying for insurance.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Choosing the best insurance company for you is not rocket science. Although car owners must comprehend how insurance companies sell online and take advantage of how the system works.

Auto Insurance Comparison Rates

There are a variety of methods to shop for auto insurance, and some are more efficient than others. You can waste a lot of time driving to agents in your area, or you can utilize the web to achieve your goal.

Many popular insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company can give them a price. This prevents consumers from doing quote forms for each company you want a rate for.

To find out what other companies charge click to open in new window.

The only downside to comparing rates this way is you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list. car insurance quote

Which method you use is up to you, but be sure to compare exactly the same coverages on every quote. If you use different liability limits you can’t possibly make a fair comparison for your Honda Civic. Slightly different coverages can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps locate the best price.

Take advantage of discounts

Car insurance companies do not advertise every discount very well, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Clubs and Organizations – Belonging to a professional or civic organization could trigger savings when buying auto insurance on Civic coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up digitally online.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren’t that generous.

For a list of providers who offer auto insurance discounts, click this link.

Honda Civic rates are complex

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Performance makes a difference – The performance level of the car you own makes a substantial difference in the rate you pay. The most favorable rates are usually for low performance passenger cars, but other factors influence the final cost greatly. Because the Honda Civic is a passenger car, rates will be similar in price or lower when compared to the average rates.
  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Honda from damage. Some examples of claims that would be covered would be a windshield shattered by a rock, vandalism, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The more the insured has to pay upfront, the bigger discount you will receive on Civic coverage.
  • Special features that cut premiums – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance than bad drivers. Even one citation can boost insurance rates by as much as thirty percent. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Credit scores impact auto insurance rates – Your credit rating is a large factor in your rate calculation. People with high credit scores tend to be more responsible as compared to drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your Honda Civic by improving your rating.
  • Liability coverage is peace of mind – Liability insurance is the protection if ever you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Where do you drive? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Civic may be costing you.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, architects and dentists tend to have the highest average rates attributed to stressful work requirements and long work days. Other occupations such as actors, historians and performers receive lower rates on Civic coverage.

Save $441 a year? Really?

State Farm, GEICO and Progressive continually stream ads in print and on television. All the companies say the same thing that you’ll save big after switching to their company. How does each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer might be a mature driver, has no prior claims, and has great credit. Any driver that hits that “sweet spot” receives the best rates and therefore will pay quite a bit less when switching companies.

quote Honda Civic insurance

Potential insureds who are not a match for the “perfect” profile will be charged higher premiums and ends up with business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings. That is why it is so important to get as many quotes as possible. Because you never know which auto insurance company will provide you with the cheapest rates.

One last thing about your coverage

We covered a lot of ways to shop for Honda Civic insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a small mutual company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Affordable Honda Civic insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.