How Much Does 2010 Honda Civic Insurance Cost?

I really doubt anyone likes buying car insurance, in particular when it costs too dang much.

Since you have so many online and local companies to choose from, it’s difficult to pick the cheapest car insurance provider.

The purpose of this article is to introduce you to how to effectively get price quotes. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. But vehicle owners do need to know how insurance companies sell online and apply this information to your search.

Find hidden discounts to get affordable insurance quotes

Properly insuring your vehicles can get expensive, but you may qualify for discounts that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but some need to be specially asked for before being credited.

  • Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Civic coverage than less cautious drivers.
  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote when compared to insureds who have frequent claims or accidents.
  • Homeowners Discount – Owning a house can save a few bucks because maintaining a house shows financial diligence.
  • One Accident Forgiven – This one isn’t a discount, but certain companies will forgive one accident before your rates go up so long as you are claim-free before the accident.
  • Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • Low Mileage Discounts – Fewer annual miles on your Honda may enable drivers to earn substantially lower prices.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
  • Passive Restraints – Factory options such as air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.

You can save money using discounts, but most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

Some of the larger companies that may include most of the discounts above possibly include:

When comparing rates, check with each insurance company the best way to save money. Some discounts might not apply in your area. To find insurers offering insurance discounts, follow this link.

How to compare insurance rate quotes

Most major insurance companies like 21st Century, Allstate and State Farm allow you to get pricing online. Doing online quotes can be done by anyone as you just type in your personal and coverage information into a form. When the form is submitted, the system sends out for your driving and credit reports and returns a price quote based on these factors. This helps simplify price comparisons, but the time it takes to visit different websites and fill out multiple forms is a waste of time. Unfortunately, it is important to do this in order to get better insurance pricing.

A more efficient way to find cheaper rates uses one simple form that gets prices from several companies at one time. This type of form saves time, reduces the work, and makes rate comparisons much more enjoyable. As soon as the form is sent, your coverage is rated and you can choose any one of the pricing results.

If a lower price is quoted, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may result in a nice savings.

In order to find out how much you can save on insurance, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy deductibles and limits identical to your current policy. Doing this guarantees you will get rate quotes for the exact same coverage.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover damages from a DUI accident?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I get a multi-policy discount?
  • Which is better, split liability limits or combined limits?
  • When can I cancel my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to 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. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, dental work and surgery. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Honda Civic.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Collision insurance

This pays for damage to your Civic from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, theft, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a money saver!

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Discount 2010 Honda Civic insurance is attainable on the web in addition to local insurance agencies, so you should compare both to have the best selection. Some companies don’t offer online rate quotes and many times these smaller providers only sell coverage through independent agencies.

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