Cheap 2008 Honda Civic Insurance Quotes

Trying to find lower insurance rates for your Honda Civic? Baffled by the number of insurance choices? Many other drivers are as well. There are so many choices available that it can really be a difficult situation to find the lowest price.

Consumers need to compare rates once or twice a year because prices fluctuate regularly. Just because you had the best deal for Civic coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to find better coverage at a better price.

Insurance rates are influenced by these factors

Part of the auto insurance buying process is learning the rating factors that come into play when calculating your premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs. Multiple criteria are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are more transparent like your vehicle usage or how financially stable you are.

  • Teenagers are high risk – Teenage drivers are known to be inattentive and easily distracted in a vehicle therefore auto insurance rates are much higher. Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Save money by eliminating extra coverages – There are quite a few extra add-on coverages you can purchase if you don’t pay attention. Coverages for coverage for rental cars, accidental death, and motor club memberships are some examples. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
  • File a insurance claims and pay more – If you file claims often, don’t be surprised to see much higher rates or policy non-renewal. Insurance companies provide most affordable rates to policyholders who file claims infrequently. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Vehicles with better crash test results lower rates – Cars with five star safety ratings get lower rates. These vehicles have better occupant injury protection and better occupant protection translates directly to fewer claims and thus lower rates.
  • Keep the miles off and save – Driving a lot of miles every year the higher the price you pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. An improperly rated Civic can result in significantly higher rates. Verify your declarations sheet reflects the proper vehicle usage.
  • You may save more by bundling policies – Some insurance companies provide discounts to insureds that have more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to compare rates to verify if the discount is saving money.

Car insurance quotes and discounts

Car insurance can cost a lot, but you might be missing out on some discounts that you may not know about. Some of these disounts will be visible at quote time, but lesser-known reductions have to be manually applied before you will receive the discount. If you are not receiving all the discounts possible, you are just wasting money.

  • Responsible Driver Discount – Safe drivers can pay as much as 50% less for Civic coverage compared to accident prone drivers.
  • Military Rewards – Being on active duty in the military may lower your premium rates slightly.
  • Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction for Civic coverage with some car insurance companies.
  • Theft Deterent Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Safety Course Discount – Taking a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Homeowners Savings – Just being a homeowner can help you save on car insurance because owning a home demonstrates responsibility.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may get savings as much as 30%.
  • Discount for Life Insurance – Larger companies have a break if you buy a life policy as well.
  • Switch and Save Discount – Some insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.

Just know that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you can get free auto insurance, nobody gets a free ride.

A partial list of companies who may offer some of the discounts shown above include:

It’s a good idea to ask all the companies to apply every possible discount. Depending on the company, some discounts might not apply in your area. If you would like to see a list of insurers with the best car insurance discounts, click here.

Save $429 a year. For real?

Well-known insurance coverage companies like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads advertise claims that you can save if you get a free insurance coverage quote and switch your insurance coverage policy to them. How does every insurance coverage company sell you cheaper insurance coverage? This is the trick they use.

Different companies can use profiling for the type of insured that makes them money. One example of a driver they prefer might be described as a married female, has no tickets, and the vehicle is rated for pleasure use. Any driver who matches that profile will qualify for the lowest prices and therefore will save when switching.

Potential insureds who don’t qualify for these stringent criteria will have to pay a more expensive rate and this can result in the customer buying from someone else. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much money. That’s the way companies can truthfully make claims that they all have the best car insurance rates.

That is why it’s extremely important to get insurance coverage quotes as often as possible. You cannot predict the company that will have better rates than you’re paying now.

Situations that may require an agent’s advice

When it comes to choosing the best insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage on my 2008 Honda Civic?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I drive in a foreign country?
  • What are the best liability limits?
  • Should I have combined single limit or split liability limits?
  • Should I buy full coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for prosthetic devices, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, emergency aid, medical services and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, scraping a guard rail, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Honda Civic.

Since many drivers 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 should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This will pay to fix 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 insurance covers things like falling objects, damage from flooding, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

A fool and his money are soon parted

We just covered a lot of tips how to save on 2008 Honda Civic insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Consumers leave their current company for many reasons like delays in paying claims, an unsatisfactory settlement offer, unfair underwriting practices and delays in responding to claim requests. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

When getting insurance coverage quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

More tips and info about car insurance can be found at these sites: