Cheap 2005 Honda Civic Insurance Cost

Want cheaper auto insurance rates for your Honda Civic? Trying to find cheaper insurance for a Honda Civic could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare auto insurance rates and you need to know the best way to quote coverages for a new or used Honda and obtain the lowest price either online or from local insurance agents.

You should take the time to take a look at other company’s rates yearly because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best price on Civic coverage on your last policy there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to lower your annual insurance bill.

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Finding cheaper auto insurance coverage is not that difficult. Vehicle owners just need to learn the proper methods to compare price quotes online.

Quote auto insurance online

Shopping for lower auto insurance rates can be exhausting if you don’t understand the most efficient way. You could spend your day driving to agents in your area, or you can utilize online quotes to get pricing more quickly.

Many popular insurance companies belong to a marketplace that allows shoppers to submit their information once, and each participating company then returns a price quote for coverage. This system prevents you from having to do quotation requests for each company.

To access this free quoting program, click to open in new window.

The only drawback to using this type of form is you don’t know exactly which providers to receive prices from. So if you want to select specific insurance companies to compare, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same quote data for each comparison quote. If you compare unequal deductibles or liability limits it will be nearly impossible to make an equal comparison.

Take policy discounts and save

Buying insurance coverage is not cheap, but you might be missing out on some discounts to reduce the price significantly. Many discounts should be triggered when you purchase, but some discounts are required to be manually applied before you will receive the discount.

  • Life Insurance – Larger insurance coverage companies have lower premium rates if you buy a life insurance policy as well.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount on your next insurance coverage statement.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may get savings up to 30%.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
  • Bundle and Save – If you can bundle your home and auto insurance with one company you will save nearly 15% which can help you find low cost insurance coverage.
  • Accident Forgiveness – but companies like State Farm and Allstate may permit one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% on Civic coverage compared to accident prone drivers.
  • Savings for New Vehicles – Buying insurance on a new vehicle can get you a discount since newer vehicles are generally safer.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that you could get a free insurance coverage policy, companies don’t profit that way.

If you would like to see a list of insurers offering insurance coverage discounts, follow this link.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • At what point should I drop full coverage?
  • What is an SR-22 filing?
  • Do I need higher collision deductibles?
  • Are split liability limits better than a combined single limit?
  • If my 2005 Honda Civic is totaled, can I afford another vehicle?
  • Am I covered if I wreck a rental car?
  • Does my 2005 Honda Civic need full coverage?
  • I have a DUI can I still get coverage?
  • How many claims can I have before being cancelled?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries 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, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability insurance

This can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, pain and suffering, legal defense fees, emergency aid and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, nursing services, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, scraping a guard rail, colliding with a tree, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.