Nobody is fond of buying auto insurance, especially knowing it costs too dang much. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the best rates possible.
Getting a cheaper price on 2009 Honda Civic insurance is actually quite simple. The only requirement is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. Price comparisons can be done by using one of the methods below.
The fastest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate quote forms to each individual car insurance company. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies.
A less efficient way to analyze rates requires you to visit the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare USAA, 21st Century and American Family. You would need to navigate to each company’s site and enter your information, which is not fast way to get rate quotes.
For a handy list of car insurance company links in your area, click here.
Even if you have time, the least recommended method to comparison shop rate quotes to each insurance agency near you. The ability to quote online eliminates the middleman unless your situation requires the professional abilities that only a licensed agent can provide. You can, however, find lower rates online but buy the policy through an agent.
However you get your quotes, try to keep the same coverages on every price quote you get. If you use higher or lower deductibles you will not be able to make a fair rate comparison.
When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.
Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.
Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, a broken windshield and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 Honda Civic.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Collision coverages – This coverage will pay to fix damage to your Civic from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Coverage for liability – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims like emergency aid, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.