2012 Honda Civic Car Insurance Cost – 5 Ways to Save

Shoppers have options when shopping for low-cost Honda Civic insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to compare rates.

There is a better way to shop for auto insurance and we’ll show you the quickest way to get price quotes on a Honda and get the best price possible from local insurance agents and online providers.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. The purpose of this article is to teach you how car insurance quotes work. Drivers just need to know the tricks to get comparison rates online.

Are you receiving every discount?

Companies that sell car insurance do not list their entire list of discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden car insurance savings.

  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn lower car insurancerates on the low mileage vehicles.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Clubs and Organizations – Being in specific professional or occupational memberships or organizations may earn a discount when shopping for car insurance.
  • Service Members Pay Less – Being deployed with a military unit can result in better premium rates.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.

One thing to note about discounts is that most credits do not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.

If you would like to view car insurance companies who offer cheap car insurance quotes, follow this link.

When in doubt talk to an agent

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • Is my babysitter covered when using my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • What is PIP insurance?
  • Can I afford to buy a different vehicle if my 2012 Honda Civic is totaled?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements that claim the cheapest prices by Geico, State Farm and Progressive. They all make an identical promise of big savings if you get a free auto insurance quote and switch your policy.

How is it possible that every company can cost less than your current company?

All the different companies offer their best rates for the type of customer that is profitable for them. For instance, a desirable insured could possibly be over the age of 50, has a clean driving record, and has a short commute. Anybody that fits those parameters will most likely get cheap premium rates and therefore will save when switching.

Potential customers who do not fit these criteria will probably be forced to pay more expensive rates which translates to the prospect going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can confidently make those claims.

Because each company has a different risk profile, drivers should get a wide range of price quotes. It is just not possible to predict the company that will have the best car insurance rates for your profile.

Information about specific coverages

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills such as doctor visits, hospital visits, pain medications and funeral costs. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – This can cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover 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 liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like legal defense fees, attorney fees, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision insurance pays for damage to your Civic resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2012 Honda Civic.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

In Summary

More affordable car insurance can be purchased from both online companies in addition to many insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and most of the time these small insurance companies only sell coverage through independent agents.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your aim should be to buy enough coverage at the lowest possible cost while still protecting your assets.

In this article, we covered some good ideas how you can reduce 2012 Honda Civic insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with a smaller regional carrier.

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