No one in their right mind fancies paying their premiums for insurance, especially when they are aware that it costs too dang much.
Popular companies such as Geico and Progressive increase brand awareness with ad campaigns and it is challenging if not impossible to see past the corporate glitz and find the best price available.
If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, drivers must know how insurance companies market on the web because it can help you find the best coverage.
There are a variety of methods to compare auto insurance quotes, but some are more efficient than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get prices fast.
Most car insurance companies participate in an industry program where insurance shoppers submit their information once, and every company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions for each company.
To enter your information into the quoting system, click here to start a free quote.
One minor caviat to using this type of form is that you can’t choose which providers to receive prices from. So if you want to choose individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click to view list.
It’s your choice how you get your quotes, but compare the exact same coverage information on every price quote you get. If you use different limits and deductibles on each one you will not be able to find the best deal for your Honda Civic. Slightly different coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies gives you a better chance of getting more affordable rates.
When choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether your personal situation might need professional guidance.
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.
Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Civic.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Collision coverages – This coverage 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 coverage protects against things such as scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, dental work, ambulance fees, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverages – This will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.