How Much Does 2005 Honda Civic Car Insurance Cost?

Trying to find the cheapest insurance rates for your Honda Civic? Do you get exhausted from being strong-armed to insure your Honda every month? You are no different than many other consumers. Big companies like Geico, 21st Century and Progressive promote their brand names with TV and radio ads and it is difficult to see through the deception and do the work needed to find the best deal.

It’s a great practice to shop coverage around as often as possible due to the fact that insurance prices are constantly changing. If you had the best rates for Civic coverage a couple years back you will most likely find a better rate quote today. Don’t believe everything you read about insurance online but I’m going to show you some solid techniques on how to put money back in your pocket.

Discounts to earn lower-cost insurance coverage rates

Some insurance providers don’t always list every policy discount in an easy-to-find place, so below is a list some of the more common as well as some of the hidden credits that may apply to you.

  • ABS Braking Discount – Vehicles with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Driving Data Discount – Drivers who elect to allow driving data submission to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts as long as they are good drivers.
  • Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less for Civic coverage than drivers with accidents.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
  • Save with a New Car – Buying a new car instead of a used car can cost up to 25% less because newer vehicles keep occupants safer.
  • Seat Belt Usage – Drivers who require all occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy with the same company you may save approximately 10% to 15%.
  • Distant College Student Discount – Youth drivers living away from home attending college and do not have a car may be able to be covered for less.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for Civic coverage.

A little disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

A few companies who might offer these discounts include:

When comparing rates, check with each company or agent which discounts they offer. A few discounts might not be offered on policies in your area. If you would like to view companies who offer online insurance coverage quotes, click here.

How to compare insurance quotes

Effectively comparing insurance prices is a ton of work if you don’t utilize the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

All the larger companies belong to a marketplace that allows shoppers to submit their information once, and each company can provide price quotes based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which companies you want pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to keep equivalent information for each quote you get. If you enter different values for each quote then you won’t be able to make a fair rate comparison.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Is my Honda Civic covered if I use it for business?
  • Do I need motorclub coverage?
  • Does insurance cover damages from a DUI accident?
  • I have health insurance so do I need medical payments coverage?
  • Where can I get insurance after a DUI in my state?
  • Can I rent a car in Mexico?
  • Why am I required to get a high-risk car insurance policy?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Liability coverages – This coverage protects you from injuries or damage you cause to people or other property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2005 Honda Civic.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses for ambulance fees, funeral costs and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays for damage to your Civic from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Don’t throw your cash in the trash

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In many cases, someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

We just showed you a lot of techniques to shop for 2005 Honda Civic insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheap car insurance. You may be surprised to find that the biggest savings come from a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Additional auto insurance information is available below: