2004 Honda Civic Insurance Cost

Have you finally had enough of paying out the nose to buy car insurance? You are no different than most other vehicle owners. Many auto insurance companies compete for your business, so it can be very hard to choose a provider to find the cheapest price

Consumers should take time to do price comparisons every six months because prices go up and down regularly. Just because you found the best rate on Civic insurance two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.

If you have insurance now or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper way to shop over the internet.

Why you might pay inflated rates

The best way to find cheaper insurance coverage is to take a look at some of the things that aid in calculating insurance coverage rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings. Lots of things are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are more obscure such as whether you are married or how safe your car is.

Shown below are a few of the things used by companies to determine your prices.

  • Save by driving safer cars – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Honda Civic has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Prices may be higher where you live – Being located in less populated areas has definite advantages when talking about insurance coverage. Less people living in that area corresponds to lower accident rates in addition to lower liability claims Drivers in populated areas have congested traffic and much longer commute distances. The longer drive time means more chances of being involved in an auto accident.
  • A good credit rating can save money – Having a bad credit history factor in determining premium rates. Therefore, if your credit score leaves room for improvement, you could pay less to insure your 2004 Honda Civic by repairing your credit. People with very high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings.
  • Car insurance liability coverage limits – Liability coverage provides coverage if a jury decides you are liable for damages from an accident. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

How much is insurance coverage?

Finding a lower price on 2004 Honda Civic insurance isn’t really that difficult. All that’s required is to invest a little time getting comparison quotes from online providers. Comparing prices online can be done using a couple different methods.

  1. One of the fastest ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do repetitive form submissions to each individual insurance coverage company. A single form gets insurance cost estimates instantly.
  2. A more time consuming way to obtain and compare quotes online is spending the time to visit each company website to request a price quote. For sake of this example, we’ll pretend you want to compare prices for Progressive, Allstate and GEICO. To get each rate you have to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes. For a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you use identical coverages and limits for every company. If you use different values for each quote then you won’t be able to make an equal comparison.

Do you qualify for discounts?

Companies offering auto insurance don’t always advertise all disounts very well, so here is a list some of the best known and the more hidden credits that you can use to lower your rates.

  • Include Life Insurance and Save – Some insurance carriers give a small discount if you purchase a life policy as well.
  • Military Rewards – Being deployed with a military unit could mean lower prices.
  • Multiple Policy Discount – If you can combine your home and auto policy with the same insurance company you will save over 10 percent off each policy depending on the company.
  • More Vehicles More Savings – Buying coverage for all your vehicles with one company qualifies for this discount.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote in comparison to frequent claim filers.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

A partial list of companies that may offer policyholders some of the above discounts are:

When comparing rates, check with every insurance company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To see a list of insurance companies who offer free insurance quotes, click here.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • What is the difference between comprehensive and collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a new car covered when I drive it off the dealer lot?
  • What is UM/UIM insurance?
  • Is business property covered if stolen from my car?
  • Does car insurance cover theft of personal property?
  • Where can I find high-risk insurance?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance specifics

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, a tree branch falling on your vehicle, theft and rock chips in glass. The most 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 consider dropping full coverage.

Liability car insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, pain and suffering, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, EMT expenses, nursing services, surgery and dental work. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Quote more, save more

You just read quite a bit of information on how to compare 2004 Honda Civic insurance rates online. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost car insurance. Consumers may even find the lowest rates are with some of the smallest insurance companies. They may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Progressive or GEICO.

More affordable car insurance is attainable online and with local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies may not provide internet price quotes and these small insurance companies prefer to sell through independent agents.

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