How Much Does 2011 Honda Civic Car Insurance Cost?

Finding a different company that has cheap insurance can be challenging if you are one of the many people new to online price quotes. But don’t throw in the towel because there is an easy way to compare rates.

Smart consumers take time to price shop coverage once or twice a year since insurance rates fluctuate regularly. Just because you found the lowest rate for Civic insurance at your last renewal you may be paying too much now. Block out anything you think you know about car insurance because I’m going to teach you how to use the internet to properly buy coverages and cut your premium.

Get lower-cost insurance with discounts

Car insurance companies don’t always publicize their entire list of discounts in a way that’s easy to find, so we researched both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates. If they aren’t giving you every credit you deserve, you could be saving more on your insurance.

  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better insurance rates for Civic insurance.
  • Safe Driver Discounts – Drivers without accidents can pay as much as 50% less for Civic insurance than drivers with accident claims.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease for Civic insurance depending on your company.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Discounts for New Vehicles – Putting insurance coverage on a new car is cheaper since newer vehicles are generally safer.
  • Claim-Free Discount – Drivers who don’t have accidents get the best insurance rates in comparison with frequent claim filers.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, companies don’t profit that way.

Large insurance companies and their possible discounts can be found below.

  • American Family policyholders can earn discounts including early bird, bundled insurance, TimeAway discount, good driver, and air bags.
  • Farm Bureau discounts include youthful driver, driver training, 55 and retired, safe driver, good student, renewal discount, and multi-vehicle.
  • State Farm has savings for passive restraint, defensive driving training, accident-free, Drive Safe & Save, safe vehicle, and student away at school.
  • Travelers offers premium reductions for continuous insurance, multi-policy, save driver, good student, and IntelliDrive.
  • The Hartford includes discounts for defensive driver, driver training, bundle, vehicle fuel type, air bag, anti-theft, and good student.
  • GEICO may include discounts for good student, driver training, emergency military deployment, daytime running lights, and federal employee.
  • Progressive offers discounts for multi-policy, good student, homeowner, multi-vehicle, online quote discount, online signing, and continuous coverage.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To view insurance companies that offer multiple discounts, click here.

How much is car insurance?

Effectively comparing car insurance prices can be exhausting if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use the web to get prices fast.

Most major companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on the submitted data. This saves time by eliminating quote forms to every company.

To participate in this free quote system, click to open in new window.

One minor caviat to using this type of form is you can’t choose the companies you want to price. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here to view list.

The approach you take is up to you, just do your best to enter the same quote information with each company. If the quotes have different coverage information it will be very difficult to get a fair rate comparison. Even a minor difference in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate lower pricing.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • I have health insurance so do I need medical payments coverage?
  • Do I need higher collision deductibles?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage – This protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like structural damage, medical expenses, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, fire damage, vandalism, damage from getting keyed and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as rehabilitation expenses, funeral costs, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

What is YOUR best insurance company?

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, questionable increases in premium, being labeled a high risk driver and even policy cancellation. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford, but do not skimp to save money.

You just read a lot of information how to lower your 2011 Honda Civic insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.

Much more information about auto insurance can be read on the following sites: