Cheaper 2013 Honda Civic Insurance Rates

Trying to find better insurance coverage rates for your Honda Civic? Having to pay for overpriced Honda Civic insurance can deplete your monthly budget, especially in this economy. Comparing price quotes is recommended to cut your insurance bill.

There is such a variety of insurers to pick from, and though it is a good thing to have a choice, so many choices can make it hard to locate the cheapest rates.

Consumers should take time to compare prices quite often because prices fluctuate regularly. If you had the best deal for Civic coverage a few years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to buy cheaper insurance coverage.

Buying affordable car insurance coverage is quite easy. Basically, everyone who buys car insurance will most likely be able to save money. But car owners must comprehend the way companies price online insurance and take advantage of how the system works.

Compare free insurance rate quotes

Comparing insurance rates can take time and effort if you don’t understand the most efficient way. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use online quoting for quick rates.

Many companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company can give them a price based on that data. This saves time by eliminating quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to using this type of form is that consumers can’t choose which companies you want pricing from. If you would rather choose specific insurance companies to request quotes from, we have a page of insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using the same coverage data on every quote you get. If each company quotes different deductibles it will be very difficult to find the best deal for your Honda Civic. Just slight variations in limits can result in a big premium difference. And when comparison shopping, getting more free quotes gives you a better chance of getting a lower rate.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like Allstate, GEICO and Progressive regularly use ads on television and other media. They all seem to tend to make the same promise about how much you will save just by switching your insurance policy to them. Is it even possible that every company can lower your prices? Here is how they do it.

All companies have an ideal profile for the type of insured that will be a good risk. For example, a preferred risk might be over the age of 40, owns their home, and has great credit. Anyone who fits those characteristics will get very good car insurance rates and is almost guaranteed to save a lot if they switch.

Consumers who do not meet those criteria will probably have to pay a higher premium which results in the customer not purchasing. The trick is to say “drivers who switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully advertise the savings.

This really illustrates why you really should do a rate comparison at every renewal. It is impossible to predict the company that will have the lowest rate quotes.

Lower-cost insurance coverage quotes with discounts

Some companies do not advertise every policy discount in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous credits available to you.

  • Policy Bundle Discount – If you combine your auto and homeowners policies and place coverage with the same company you will save at least 10 to 15 percent or more.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get better insurance coverage rates for Civic coverage.
  • More Vehicles More Savings – Buying a policy with more than one vehicle on one policy qualifies for this discount.
  • Homeowners Pay Less – Simply owning a home can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
  • Driver Safety – Successfully completing a course teaching defensive driver skills could possibly earn you a 5% discount depending on where you live.
  • Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.

A quick disclaimer, some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and some of the discounts can be read below.

  • State Farm may include discounts for good driver, anti-theft, driver’s education, passive restraint, and Steer Clear safe driver discount.
  • GEICO offers premium reductions for emergency military deployment, defensive driver, anti-theft, anti-lock brakes, membership and employees, air bags, and military active duty.
  • Progressive discounts include multi-policy, good student, multi-vehicle, continuous coverage, online signing, and online quote discount.
  • 21st Century offers discounts for homeowners, good student, 55 and older, air bags, and student driver.
  • American Family offers discounts including air bags, bundled insurance, good driver, good student, accident-free, and early bird.
  • The Hartford may have discounts that include air bag, vehicle fuel type, good student, defensive driver, anti-theft, and bundle.
  • AAA includes discounts for multi-car, AAA membership discount, education and occupation, multi-policy, pay-in-full, anti-theft, and good driver.

If you need low cost auto insurance quotes, ask all the companies to apply every possible discount. Some credits might not be offered on policies in your area.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Does my personal policy cover me when driving out-of-state?
  • Is pleasure use cheaper than using my 2013 Honda Civic to commute?
  • Do I need PIP coverage since I have good health insurance?
  • Will my insurance pay for OEM parts?
  • Does coverage extend to my business vehicle?
  • What discounts do I qualify for?
  • How much can I save by bundling my policies?
  • Should I put collision coverage on all my vehicles?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as legal defense fees, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, rock chips in glass and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, nursing services, funeral costs, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Civic resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, scraping a guard rail, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are set the same as your liablity limits.

Quote more, save more

The cheapest 2013 Honda Civic insurance can be sourced on the web in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. A few companies do not provide rate quotes online and these smaller companies prefer to sell through independent insurance agencies.

Throughout this article, we presented a lot of techniques to save on 2013 Honda Civic insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Much more information about insurance coverage can be found on the following sites: