Cheaper 2015 Honda Civic Insurance Quotes

Are you regretting the purchase of an expensive auto insurance policy? You’re preaching to the choir because there are lots of residents who feel the same.

Because you have many choices, it is very difficult to find the most cost effective auto insurance provider.

It’s a good idea to get comparison quotes yearly because auto insurance prices change quite often. Just because you had the lowest quotes on Civic coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

This article will help you learn how to effectively get price quotes and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. But car owners benefit from understanding how companies compete online and use this information to your advantage.

Cheaper rates with discounts

Buying insurance is not cheap, but you may find discounts that many people don’t even know exist. Certain reductions will be credited when you complete an application, but a few must be manually applied prior to getting the savings.

  • Telematics Discount – Drivers who agree to allow companies to scrutinize driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on your next renewal.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on the same insurance policy can reduce rates for all insured vehicles.
  • Good Students Pay Less – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Discount for Home Ownership – Owning a home can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
  • Bundle and Save – If you have multiple policies with one company you may earn as much as 10 to 15 percent.

Don’t be surprised that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

Some of the insurance companies that may offer quotes with these money-saving discounts are:

If you want low cost insurance coverage quotes, ask each insurance company what discounts are available to you. Savings may not be offered everywhere. If you would like to see a list of providers that can offer you the previously mentioned discounts, follow this link.

Insurance quotes comparison

All major insurance companies like State Farm and Allstate allow you to get price estimates from their websites. Getting prices online is quite easy as you simply type in into a form. Behind the scenes, their rating system obtains your credit score and driving record and quotes a price determined by many factors. This helps simplify price comparisons, but the work required to visit many different websites and enter the same data into a form is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you are searching for a better rate.

The easiest way to locate the lowest prices is to use a quote form that analyzes rates from more than one company. The form is fast, eliminates repetitive work, and makes price shopping online much more efficient. After sending your information, it is rated and you can select any of the price quotes you receive.

If you find a better price you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

To save time and use this form to compare rates, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for similar coverage.

How you can control Honda Civic insurance rates

Many things are used in the calculation when quoting car insurance. Some factors are common sense such as your driving history, but other criteria are less apparent like your vehicle usage or how safe your car is.When buying auto insurance it’s important to understand some of the elements that go into determining your policy premiums. When you understand what controls the rates you pay, this helps enable you to make changes that could result in better auto insurance rates.

  • Mileage impacts costs – The higher the mileage driven annually the higher your rates will be. A lot of companies calculate rates based upon how much you drive. Cars and trucks used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Civic may be costing you higher rates. It’s a good idea to make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • More than one policy can earn a discount – Lots of auto insurance companies give better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to help ensure you have the lowest rates.
  • Older drivers pay less – Drivers with little experience are proven to be inattentive and easily distracted when behind the wheel therefore auto insurance rates are much higher. Having to add a young driver onto your auto insurance can be very expensive. Older drivers have been proven to be more responsible, cost insurance companies less in claims .
  • Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles reduce injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums. If your Honda Civic is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Liability insurance risk factors in – The liability section of your policy will afford coverage if ever a jury decides you are liable for an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.
  • Only buy add-on coverages you need – Policies have additional extra coverages that may not really be needed on your auto insurance policy. Insurance for things like replacement cost coverage, better glass coverage, and motor club memberships are some examples. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.
  • Save money with GPS tracking and theft deterrents – Buying a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
  • Are you male or female? – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Both genders get in accidents in similar numbers, but guys tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.

What is the best insurance coverage?

When choosing the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help highlight if you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does having multiple vehicles earn me a discount?
  • When would I need rental car insurance?
  • Does car insurance cover theft of personal property?
  • Does my insurance cover a custom paint job?
  • Does my 2015 Honda Civic need full coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2015 Honda Civic

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, funeral costs, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance covers damage to your Civic caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles, pain and suffering and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, damage from getting keyed and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Stretch your dollar

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many instances, an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

We just showed you some good ideas how to shop for 2015 Honda Civic insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Drivers may discover the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

More tips and info about insurance coverage can be found at these sites: