Cheaper 2007 Honda Civic Car Insurance Quotes

Searching for better insurance coverage rates for your Honda Civic? Locating better insurance prices for a Honda Civic can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to get price quotes for your Honda and obtain the best price possible either online or from local insurance agents.

It is always a good idea to do rate comparisons at least once a year because rates go up and down regularly. Even if you think you had the best deal for Civic coverage a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage online, but by reading this article, you’re going to learn some guaranteed methods to save money.

The easiest way to get policy rate comparisons is to understand almost all companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is provide the companies a bit of rating information including if you went to college, if your license is active, the make and model of your vehicles, and how you use your vehicles. The data gets transmitted to many of the top insurers and they return cost estimate instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and find out if you can get cheaper insurance.

Save with these discounts

Car insurance can cost a lot, but you may be missing some discounts that may help make it more affordable. Some trigger automatically at the time of purchase, but once in a while a discount must be asked for before they will apply.

  • Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower prices on the low mileage vehicles.
  • College Student Discount – living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less when compared to insureds who have frequent claims or accidents.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts can get savings up to 30%.
  • Driver Safety – Participating in a class that teaches safe driver techniques may get you a small discount depending on where you live.
  • New Vehicle Savings – Buying a new car model can save up to 30% compared to insuring an older model.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company can reduce the rates for all insured vehicles.
  • Telematics Devices – Drivers who agree to allow companies to monitor vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Early Signing – Select insurance companies give a discount for renewing your policy before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Companies that may include some of the discounts shown above include:

If you need affordable car insurance quotes, ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered everywhere.

Special considerations

When it comes to buying coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

  • How high should deductibles be on a 2007 Honda Civic?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • What exactly is covered by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need medical payments coverage since I have good health insurance?
  • Does car insurance cover theft of personal property?
  • Why am I required to get a high-risk car insurance policy?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

How insurance companies calculate Honda Civic insurance costs

Part of the auto insurance buying process is learning the factors that are used to determine your premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that may reward you with lower rates. Many factors are used in the calculation when you get your auto insurance bill. Most are fairly basic like your driving record, but some are more transparent like your continuous coverage or your financial responsibility.

  • High insurance claims frequency drives up prices – Auto insurance companies provide most affordable rates to drivers who are not frequent claim filers. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your car insurance is intended for more catestrophic claims.
  • Your address can push rates up or down – Living in small towns and rural areas can save you money when shopping for auto insurance. Drivers who live in large cities have more traffic problems and longer commute times. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.
  • Drive fewer miles and save – The higher the miles on your Honda in a year the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that have low annual miles can be on a lower rate level than those that get driven frequently. Double check that your declarations sheet is rated on annual mileage, because it can save money. A policy that improperly rates your Civic can cost quite a bit.
  • Prevent theft and save – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.
  • Gender as a rate factor – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but the men tend to have higher claims. Men also receive more major tickets like driving under the influence (DUI).
  • Safer vehicles mean better premiums – Vehicles that have high safety ratings get lower rates. These vehicles reduce injuries and fewer serious injuries means lower claim amounts and lower rates for you.
  • Gaps in coverage mean higher auto insurance rates – Letting your insurance expire is a fast way to increase your auto insurance rates. And not only will insurance be more expensive, the inability to provide proof of insurance can result in fines or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your employer and auto insurance rates – Did you know your career choice can influence rates? Jobs like fire fightersair traffic controllers and accountants generally have higher rates than average attributed to high stress and lots of time spent at work. On the other hand, jobs like actors, students and homemakers have the lowest average rates for Civic coverage.

Can you really save $445 a year?

Drivers get pounded daily by advertisements that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. All the ads have a common claim that drivers can save some big amount if you move your policy.

How can each company lower your rates? You have to listen carefully.

Most companies have specific characteristics for the driver that will be a good risk. One example of this type of driver might have to be between the ages of 30 and 50, owns their home, and has a high credit rating. Someone who matches those parameters will probably get cheap prices and will also cut their rates if they switch.

Insureds who fall short of the requirements may be forced to pay higher premium rates which translates to the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save that kind of money. This is how companies can advertise the savings.

That is why you absolutely need to get as many free car insurance quotes as possible. It’s just not possible to know which insurance coverage company will fit you best based on your risk profile.

Insurance policy specifics

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability – This coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use 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 coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, attorney fees, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision – Collision coverage pays for damage to your Civic 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 coverage pays for claims such as sideswiping another vehicle, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

One last thing

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, high prices, an unsatisfactory settlement offer and even policy non-renewal. No matter why you want to switch, switching companies can be easier than you think.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

We just presented many ideas to lower your 2007 Honda Civic insurance prices. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

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