2018 Honda Civic Car Insurance Rates – 9 Savings Tips

Looking for lower insurance rates for your Honda Civic? When looking for lower-priced insurance, are you intimidated by the sheer number of insurance sources? Many other drivers are too. There are so many options that it can easily become more work than you anticipated to find lower prices.

Compare quotes for insurance

The are a couple different ways to obtain and compare prices from all the different companies. By far the easiest way to find cheaper Honda Civic rates involves getting comparison quotes online. This can be accomplished in a couple minutes as outlined below.

  • Probably the best way to find low rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing a different quote for every prospective company. Completing one form gets prices estimates instantly. Recommended for those who want to invest the least amount of time.
  • A different way to analyze rates consists of visiting the website for each individual company to complete a price quote. For examples sake, let’s say you need rates from Geico, Liberty Mutual and GMAC. You would have to visit each site and enter your policy data, which can get old fast.

    For a list of links to insurance companies in your area, click here.

  • If you have time to kill, the last method to comparison shop rate quotes is actually driving to different agent offices. The ability to buy insurance online has made agencies unnecessary unless you want the trained guidance of a local agency. It is possible with some companies price shop your coverage online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just try to use identical coverage information for each quote you get. If you use mixed coverages it will be next to impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits could skew the results. It’s important to know that making a lot of price comparisons increases the change that you will find more affordable insurance. Some insurance companies are not set up to provide online rate quotes, so you need to compare rates from them as well.

Discounts can really help lower premiums

Some insurance providers do not list all disounts in a way that’s easy to find, so we researched both well-publicized and the more hidden credits that you can use to lower your rates.

  • Driver Training Discounts – Participating in a class that teaches driver safety techniques may get you a small discount and easily pay for the cost of the class.
  • Own a Home – Owning your own home or condo can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Early Signing – Some larger companies reward drivers for renewing your policy early. It could save around 10% when you buy insurance coverage online.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
  • Save with a New Car – Buying a new car model can get you a discount because newer vehicles are generally safer.
  • Early Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Military Rewards – Being deployed in the military may lower your rates slightly.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on Civic insurance with a few auto insurance companies.

Keep in mind that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

If you would like to choose from a list of auto insurance companies who offer cheap auto insurance quotes, follow this link.

Will just any policy work for me?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation could use an agent’s help.

  • Am I missing any policy discounts?
  • Why do I need rental car insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is a fancy paint job covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rock chip repairs covered?
  • Is there coverage for injuries to my pets?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Where can I find high-risk insurance?
  • Is my trailer covered?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance advertisements

Auto insurance providers like Geico, State Farm and Progressive consistently run ads on television and other media. All the companies state the claim that drivers will save a bundle if you change your coverage to them. How can each company offer drivers better rates? This is the trick they use.

Auto insurance companies have a preferred profile for the type of customer that earns them a profit. For example, this type of risk profile should be between 30 and 50, has no tickets, and has a short commute. Anyone that fits those parameters will get a cheap rate quote and have a good chance to save money with a new company.

Consumers who don’t measure up to the requirements will probably have to pay a more expensive rate and the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can claim big savings. This really illustrates why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will have better prices than you’re paying now.

Coverages available on your car insurance policy

Understanding the coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage kick in for expenses for things like doctor visits, pain medications, rehabilitation expenses, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, structural damage and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Civic resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Since 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 very important.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, fire damage, damage from a tornado or hurricane, hitting a deer and damage from flooding. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

We just presented many ideas to lower your 2018 Honda Civic insurance car insurance rates. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

Lower-priced insurance coverage can be found from both online companies as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies do not provide internet price quotes and most of the time these small, regional companies prefer to sell through local independent agencies.

When trying to cut insurance costs, do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage only to find out that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price, but do not skimp to save money.

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