Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Honda Civic insurance. They can either waste time calling around getting price quotes or save time using the internet to get rate quotes.
There is a better way to shop for auto insurance so you’re going to learn the proper way to compare rates for a Honda and locate the best price possible from local insurance agents and online providers.
There are a variety of methods you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you could use online quotes to achieve your goal.
Most of the best insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each participating company returns a rated price based on that data. This system prevents you from having to do form submissions for every auto insurance company.
To fill out one form to compare multiple rates now click to open in new window.
One minor caviat to comparing rates this way is you can’t choose which carriers you want pricing from. So if you want to choose specific insurance companies to compare prices, we put together a list of companies who write auto insurance in your area. Click to view list.
It’s up to you how you get prices quotes, just try to keep the same information for each comparison quote. If your comparisons have mixed coverages you can’t possibly make a fair rate comparison.
Some companies don’t necessarily list the complete list of policy discounts very clearly, so we break down both well-publicized and also the more inconspicuous credits available to bring down your rates.
One last thing about discounts, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride.
Insurance companies who might offer some of the above discounts possibly include:
If you want cheaper insurance coverage quotes, ask all companies you are considering how many discounts you can get. Some discounts listed above may not apply to policies everywhere. To choose companies with discount insurance rates, click this link.
When buying coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.
Here are some questions about coverages that could help you determine if you may require specific advice.
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like hail damage, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage will pay to fix damage to your Civic resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like colliding with another moving vehicle, rolling your car, colliding with a tree, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for rehabilitation expenses, dental work, funeral costs, nursing services and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers things like repair costs for stationary objects, funeral expenses, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.