2009 Honda Civic Insurance Cost – 5 Policy Discounts

Searching for the cheapest car insurance rates for your Honda Civic? Paying low cost coverage rates for Driverscar insurance may be quite difficult for drivers not familiar with online insurance quotes. People have so many choices that it can turn into a difficult challenge to locate the lowest coverage rates.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Finding cheaper auto insurance coverage is easy if you know what you’re doing. Nevertheless, drivers must understand the methods companies use to price online insurance and apply this information to your search.

Save with these five discounts

Auto insurance is not cheap nor is it fun to buy but there could be significant discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before they will apply. If you don’t get every credit available, you are paying more than you should be.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with one company qualifies for this discount.
  • Defensive Driver Discounts – Participating in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
  • Resident Student – Older children who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • No Claims – Good drivers with no accidents can save substantially as opposed to accident-prone drivers.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comp or med pay. So even though you would think you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount should definitely cut your premiums.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • 21st Century discounts include homeowners, driver training, air bags, automatic seat belts, good student, and teen driver.
  • State Farm offers premium reductions for passive restraint, safe vehicle, defensive driving training, driver’s education, accident-free, and multiple policy.
  • AAA offers discounts for good driver, multi-car, multi-policy, AAA membership discount, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including newly retired, exclusive group savings, multi-car, hybrid vehicle, preferred payment discount, teen driver discount, and new move discount.
  • Progressive may offer discounts for good student, continuous coverage, multi-policy, multi-vehicle, online signing, online quote discount, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which discounts can lower your rates. A few discounts might not be offered in your area. For a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Special considerations

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

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • What are the best liability limits?
  • What is high-risk coverage and where do I buy it?
  • What if I owe more than I can insure my car for?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed, rock chips in glass, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills for hospital visits, funeral costs, surgery, dental work and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This will cover injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as court costs, loss of income, medical services and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Collision – This pays for damage to your Civic caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Power to the consumer

We’ve covered a lot of tips how to get a better price on 2009 Honda Civic insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even discover the best prices are with the least-expected company.

Budget-friendly insurance can be found online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and most of the time these smaller providers provide coverage only through independent insurance agents.

When searching for the cheapest insurance coverage quotes, make sure you don’t skimp on coverage in order to save money. In too many instances, someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. Your goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Much more information about insurance is located at the links below