View 2003 Honda Civic Car Insurance Quotes

Expensive Honda Civic insurance can sap your funds and maybe even restrict other spending. Getting a rate comparison is a smart way to slash your bill and have more diposable income.

Insurance companies such as Geico and Progressive all claim big savings with catchy ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Finding the best rates is not that difficult. Vehicle owners only need an understanding of the tricks to compare price quotes online.

How to find cheap car insurance

Getting cheaper 2003 Honda Civic car insurance pricing doesn’t have to be difficult. The only requirement is to take time to compare rate quotes to discover which company has cheap car insurance quotes. This can be done in a couple of different ways.

One of the simplest ways to get the best comparison quotes is a comparison rater form click to view form in new window. This form prevents you from having to do separate forms for every prospective company. Just one form gets you price quotes instantly.
A more time consuming way to compare rate quotes is going to each company’s website and get a separate price quote. For sake of this example, we’ll pretend you want comparison quotes from Auto-Owners, Liberty Mutual and Geico. To get each rate you have to navigate to each company’s site and enter your information, which is why the first method is more popular.
To view a list of companies in your area, click here.
The least efficient and most time consuming way to compare rates to insurance agents’ offices. The internet reduces the need to sit down with an agent unless you have a complicated situation and need the advice and guidance that you can only get from talking to an agent. Drivers can compare online quotes but have a local agent actually write the policy.

Whichever way you choose to compare rates, make sure you use the same coverage limits with each company. If you use higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

Lower rates by qualifying for discounts

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known ways to save on car insurance.

Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual and Geico will forgive one accident before they charge you more for coverage if your claims history is clear for a set time period.
Multiple Policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you may save at least 10 to 15 percent or more.
Government Employee Discount – Employees or retirees of the government could provide a small rate reduction on Civic insurance with some car insurance companies.
E-sign – A handful of car insurance companies will discount your bill up to fifty bucks get car insurance over the internet.
Early Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To see a list of companies who offer free car insurance quotes, click here.

The Honda Civic insurance rate equation

When buying insurance coverage it’s important to understand the rating factors that aid in calculating your premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could result in big savings. Many factors are part of the equation when you quote your car insurance policy. Some factors are common sense like your driving record, although others are more transparent like your vehicle usage or how safe your car is.

Listed below are most of the major factors that factor into your rates.

Why do you need liability insurance? – Liability coverage kicks in if ever a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
Raising coverage deductibles lowers costs – Comp and collision deductibles define the amount you are required to spend if a covered claim is submitted. Insurance for physical damage, aka comp and collision, protects your car from damage. Examples of some claims that would be covered would be colliding with a stationary object, animal collisions, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the better rate you will receive on Civic insurance.
Credit history impacts prices – Your credit history is a large factor in calculating your insurance coverage rates. So if your credit score can use some improvement, you could pay less to insure your 2003 Honda Civic by improving your rating. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
Marriage equates to better prices – Getting married may earn you lower rates on your insurance coverage policy. It means you’re more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
Mileage impacts costs – The more you drive in a year the more you’ll pay to insure it. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. Incorrect rating for your Civic can result in significantly higher rates. Double check that your policy is rated on the right rating data.
Women pay lower rates – The statistics show that women are safer drivers than men. This data doesn’t prove that females are better drivers. Males and females tend to get into accidents at a similar rate, but the males have costlier accidents. Men also statistically receive more major tickets like driving under the influence (DUI).
Do you really need the add-on coverages? – There are a lot of extra add-on coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, better glass coverage, and motor club memberships are some examples. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
Your stress level may be raising your premiums – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, architects and stock brokers generally have higher premium rates in part from intense work situations and incredibly demanding work hours. On the flip side, careers such as farmers, athletes and retirees receive lower rates on Civic insurance.

Car insurance is unique, just like you

When buying coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation might need professional guidance.

Is other people’s property covered if stolen from my vehicle?
Do I need higher collision deductibles?
At what point should I drop full coverage?
What if I total my 2003 Honda Civic and owe more than it’s worth?
How high should my uninsured/underinsured coverage be in my state?
Am I missing any policy discounts?
Does insurance cover tools stolen from my truck?
Do I need replacement cost coverage?
Do I need roadside assistance coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance in the media

Drivers get pounded daily by advertisements that claim the cheapest car insurance rates by Progressive, Allstate and Geico. They all seem to advertise the message that people will save after switching to them.

How does every insurance company charge less that you’re paying now? This is how they do it.

Different companies quote their cheapest rates for a prospective insured that will generate a profit. An example of a preferred risk might have to be over age 30, has a clear driving record, and does not commute to work. Any person who matches that profile will probably get cheap premium rates and have a good chance to save a lot of money.

Potential insureds who do not match this stringent profile will be charged higher prices and the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” not “all people who quote” can save as much as they claim. That is how companies can lure you into getting a quote. This really drives home the point why you absolutely need to get car insurance quotes as often as possible. It’s just too difficult to predict the company that will have the lowest premium rates for your situation.

Insurance coverages and their meanings

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Collision insurance

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Civic.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, doctor visits, rehabilitation expenses, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability insurance can cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, legal defense fees, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

The bottom line

Lower-priced auto insurance is possible both online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not provide rates over the internet and many times these smaller companies only sell through independent insurance agencies.

We covered a lot of ways to shop for 2003 Honda Civic insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. You may be surprised to find that the best price on auto insurance is with the least-expected company. They can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

As you quote car insurance, do not buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage only to find out that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford.