2006 Honda Civic Insurance Cost

Looking for better auto insurance rates for your Honda Civic? Buying more affordable auto insurance online may at first seem to be difficult for people that are relatively new to comparing rates and buying auto insurance online. With so many options of companies in the marketplace, how can people possibly compare the different rates to find the cheapest rates?

Smart consumers take time to take a look at other company’s rates every six months because insurance prices are constantly changing. Even if you got the best quotes on Civic coverage two years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to teach you the right way to save on auto insurance.

How much is auto insurance?

To find the best auto insurance rates, there are several ways to compare rate quotes from many available auto insurance companies in your state. One of the best ways to compare rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

• The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quote forms to each individual auto insurance company. One quote request gets prices estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
• A harder way to find more affordable insurance is to take the time to go to each company’s website and complete a new quote form. For instance, we’ll assume you want rates from Liberty Mutual, Farmers and Geico. You would be required to go to each individual site to input your insurance information, and that explains why we recommend the first method.

  To view a list of companies in your area, click here.

The approach you take is up to you, just be certain you are entering identical information for each quote you get. If each company quotes different liability limits you will not be able to make a fair rate comparison. Having just a slight variation in coverage limits could skew the results. Just keep in mind that obtaining a wide range of quotes will enable you to find the best price.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

• Is my 2006 Honda Civic covered for flood damage?
• Should I waive the damage coverage when renting a car?
• What is UM/UIM insurance?
• How high should my medical payments coverage be?
• Should I carry comprehensive and collision coverage?
• How does medical payments coverage work?
• Should I buy additional glass protection?
• Should I buy more coverage than the required minimum liability coverage?
• Why do I need rental car insurance?
• Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Auto insurance policy coverages for a Honda Civic

Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a deer and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like X-ray expenses, hospital visits and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Civic.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.