2006 Honda Civic Car Insurance Rates – 5 Ways to Save

Looking for cheaper insurance coverage rates for your Honda Civic? I can’t think of a single person who looks forward to paying for insurance coverage, especially knowing they could find better rates elsewhere. Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the lowest price

If you are insured now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. Buying car insurance is not that difficult. Drivers only need to know the most efficient way to compare price quotes online.

Insurance companies offer money-saving discounts

Insurance is not cheap nor is it fun to buy but you can get discounts that can help lower your rates. Some discounts will apply at the time you complete a quote, but a few must be asked for before you will receive the discount.

  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Professional Memberships – Belonging to qualifying employment or professional organizations could earn you a nice discount on insurance.
  • Student Discounts – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Civic insurance depending on your company.
  • Discount for Low Mileage – Fewer annual miles on your Honda can earn lower prices on the low mileage vehicles.

Discounts lower rates, but most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, that’s just not realistic.

For a list of insurers who offer free insurance quotes, follow this link.

Buy insurance online

There are multiple methods you can shop for insurance and some are more efficient than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use the web to maximize your effort.

Most of the best insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company returns a rated price. This prevents consumers from doing form submissions for each company.

To compare pricing click here to open in new window.

The single downside to using this type of form is you are unable to specify which insurance companies to receive prices from. So if you prefer to pick from a list of companies to compare rates, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but do your best to use equivalent coverage data on every quote you get. If you use different data you will not be able to truly determine the lowest rate.

Do I just need basic coverages?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your situation could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Who is covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need roadside assistance coverage?
  • What are the best liability limits?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.

Learn about car insurance coverages for a Honda Civic

Understanding the coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like surgery, X-ray expenses, nursing services and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, theft, damage from getting keyed and falling objects. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This coverage pays for damage to your Civic resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

A penny earned…

You just read many tips how you can reduce 2006 Honda Civic insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. You may even discover the lowest premium rates come from the smaller companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

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