Cheaper 2013 Honda Civic Car Insurance Rates

Looking for cheaper insurance coverage rates for your Honda Civic? There isn’t anyone who looks forward to buying insurance coverage, especially knowing they could find lower prices if they just compared rates.

With so many insurance coverage companies to choose from, it’s nearly impossible to locate the lowest price insurance coverage company.

How to lower your car insurance cost

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company then returns a price quote for coverage. This system prevents you from having to do quote forms to every company.

To compare rates now click here (opens in new window).

The only drawback to using this type of form is you cannot specify which insurance companies you want to price. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but try to keep identical quote information on every quote. If your comparisons have different coverage information it will be very difficult to make an equal comparison. Quoting even small variations in limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing more rates from different companies will increase your chances of finding more affordable insurance.

Use discounts to get cheaper auto insurance rates

Some companies do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of a few of the more well known and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Air Bags and Passive Restraints – Factory options such as air bags can get savings as much as 30%.
  • Multi-policy Discount – If you can bundle your auto and home insurance with the same company you could save up to 20% and get you affordable auto insurance.
  • Defensive Driver Discounts – Taking part in a course teaching defensive driving skills may get you a small discount and make you a better driver.
  • Paperwork-free – A few insurance companies will give you a small discount for signing up over the internet.
  • Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% on Civic insurance as compared to drivers with claims.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive lower premium rates on Civic insurance.
  • Low Mileage – Keeping the miles down on your Honda could qualify for slightly better premium rates than normal.
  • Save with More Vehicles Insured – Buying insurance for multiple cars on one policy can reduce rates for all insured vehicles.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts in comparison with frequent claim filers.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a auto insurance quote.

Consumers should know that most credits do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Car insurance companies that may have some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To view insurance companies who offer online auto insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining if you will benefit from professional help.

  • I have health insurance so do I need medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I wreck a rental car?
  • Is my custom paint covered by insurance?
  • Am I covered when driving someone else’s vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Liability coverage

This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, loss of income, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision protection

This covers damage to your Civic from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This 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 flooding, hitting a bird, damage from getting keyed and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like prosthetic devices, surgery, funeral costs and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage