Cheap 2010 Honda Civic Insurance Quotes

Searching for cheaper auto insurance rates for your Honda Civic? I can’t think of a single person who fancies paying their premiums for auto insurance, particularly when they are paying too much.

You have so many insurance companies to buy insurance from, and even though it’s nice to have a choice, too many choices makes it more difficult to compare rates.

More affordable rates by applying discounts

Car insurance is not cheap nor is it fun to buy but there may be some discounts that can drop the cost substantially. Some of these disounts will be visible at the time of purchase, but occassionally some discounts must be specifically requested before you get the savings.

  • Policy Bundle Discount – When you have multiple policies with one insurance company you could save at least 10 to 15 percent or more.
  • Waiver for an Accident – Not really a discount, but a few companies such as Progressive, Allstate, and GEICO may permit one accident before raising your premiums so long as you are claim-free for a specific time period.
  • Onboard Data Collection – People who choose to allow their insurance company to scrutinize their driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote on Civic coverage than drivers with accident claims.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Drive Less and Save – Low annual miles could be rewarded with lower prices on the low mileage vehicles.
  • Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Buy New and Save – Adding a new car to your policy can get you a discount due to better safety requirements for new model year vehicles.
  • Paper-free Discount – Certain car insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

To choose car insurance companies that offer the discounts shown above, click here.

Insurance rate influencing factors

Lots of things are used when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are not quite as obvious such as whether you are married and annual miles driven.Smart consumers have a good feel for some of the elements that are used to determine your insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that could help you find cheaper rates.

Shown below are some of the factors that factor into your premiums.

  • Combine home and auto and save – Most major insurers apply lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
  • Prices and job – Careers such as judgesair traffic controllers and accountants are shown to have higher premium rates due to high stress levels and lots of time spent away from family. On the flip side, careers such as scientists, athletes and the unemployed pay lower than average rates on Civic coverage.
  • Are men or women drivers cheaper? – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Females and males are in fender benders at a similar rate, but the male of the species get into accidents with more damage. They also get more serious tickets like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage and are penalized with high insurance rates.
  • Credit rating impacts prices – Your credit score is likely to be a major factor in determining what you pay. So if your credit rating leaves room for improvement, you may save money insuring your 2010 Honda Civic if you clean up your credit. Drivers who have very high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Should I buy full coverage?
  • When can my company non-renew my policy?
  • What is covered by UM/UIM coverage?
  • Why is insurance for a teen driver so high?
  • When would I need rental car insurance?
  • Are split liability limits better than a combined single limit?
  • Am I insured when driving a different vehicle?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverages for a 2010 Honda Civic

Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, rehabilitation expenses, prosthetic devices and pain medications. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, court costs and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision – This will pay to fix damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, damage from flooding, vandalism, hitting a deer and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a money saver!

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Some insurance companies may not offer the ability to get quotes online regional insurance providers work with independent agents. Budget-friendly insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

We just presented a lot of techniques to get a better price on 2010 Honda Civic insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices are with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

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