How Much Does 2016 Honda Civic Car Insurance Cost?

Searching for lower car insurance rates for your Honda Civic? Did you come to the realization that you have an underperforming, overpriced car insurance policy? You’re in good company because many drivers have buyer’s remorse. Drivers have many auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to locate the cheapest rates.

It’s a great practice to do price comparisons every six months due to the fact that insurance prices trend upward over time. Just because you had the lowest rates on Civic insurance two years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

Which auto insurance is cheapest?

Most of the larger companies allow consumers to get coverage prices from their websites. Getting quotes can be done by anyone as you simply type in the coverage amounts you desire into the form. When complete, the system pulls your credit score and driving record and returns a price quote. Online price quotes streamlines rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms is a waste of time. Unfortunately, it is important to get many rate quotes if you want to get the best price on auto insurance.

The better way to compare rates

A quicker way to get multiple rate quotes requires only one form that analyzes rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. After sending your information, your coverage is rated and you can choose your choice of the resulting price quotes.

If you find a better price you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to compare pricing, click here to open in new window and enter your information. To compare your current rates, we recommend you replicate the coverage information just like they are on your policy. This guarantees you will receive a price comparison based on similar coverages.

Discounts to earn affordable insurance rates

Not many people think insurance is cheap, but there may be some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you quote, but some need to be manually applied prior to receiving the credit.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Switch and Save Discount – A few larger companies offer discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Distant Student – Kids living away from home attending college and leave their car at home can be insured at a reduced rate.
  • One Accident Forgiven – Not necessarily a discount, but some companies like Libery Mutual, Geico and Allstate will let one accident slide without raising rates if you have no claims prior to being involved in the accident.
  • Clubs and Organizations – Participating in a qualifying organization could earn you a nice discount when shopping for insurance.
  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks shop car insurance on their website.
  • Mature Driver Discount – Drivers over the age of 55 can get lower premium rates on Civic insurance.
  • Telematics Data – People who choose to allow driving data submission to spy on driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they have good driving habits.

Keep in mind that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you can get free auto insurance, companies don’t profit that way.

To view insurance companies with discount rates, click here to view.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions might help in determining if you may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is PIP insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Specific coverages for a 2016 Honda Civic

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for prosthetic devices, funeral costs, rehabilitation expenses, doctor visits and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

What is YOUR best insurance company?

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best cost.

We just showed you many ideas to reduce 2016 Honda Civic insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting the cheapest car insurance. Consumers could even find that the lowest rates come from some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as Geico and State Farm.

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