Cheaper 2014 Honda Civic Insurance Cost

Have you had enough of robbing Peter to pay Paul to buy auto insurance? Your situation is no different than millions of other consumers.

Many insurers compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.

Consumers need to take a look at other company’s rates quite often because auto insurance rates change regularly. If you had the best premium rates for Civic insurance at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

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Drivers can save with these money-saving discounts

Insurance can be prohibitively expensive, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of quoting, but some discounts are required to be requested specifically before being credited.

Own a Home – Owning a home may trigger a policy discount on car insurance because it shows financial diligence.
Good Drivers – Safe drivers can save up to 40% or more on their insurance quote for Civic insurance compared to accident prone drivers.
Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you may earn 10% to 20% off each policy.
More Vehicles More Savings – Purchasing coverage when you have all your vehicles on a single policy can get a discount on all vehicles.
ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.

You can save money using discounts, but most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

Companies and a partial list of their discounts are included below.

21st Century includes discounts for automatic seat belts, homeowners, 55 and older, air bags, good student, theft prevention, and driver training.
State Farm may include discounts for multiple policy, good driver, good student, accident-free, Steer Clear safe driver discount, student away at school, and passive restraint.
AAA policyholders can earn discounts including anti-theft, multi-policy, good driver, AAA membership discount, and multi-car.
Liberty Mutual offers discounts including good student, newly retired, teen driver discount, exclusive group savings, hybrid vehicle, safety features, and new move discount.
Progressive offers discounts for online signing, good student, online quote discount, multi-vehicle, and homeowner.

When quoting, ask every prospective company which discounts can lower your rates. Some credits might not apply in your state. To see a list of car insurance companies with significant discounts, follow this link.

Do I need special coverages?

When it comes to buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation will benefit from professional help.

How much underlying liability do I need for an umbrella policy?
Is borrowed equipment or tools covered if stolen or damaged?
Does my policy cover my teen driver if they drive my company car?
Where can I find DUI or SR-22 insurance?
Is a blown tire covered by insurance?
Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like funeral costs, EMT expenses, nursing services, dental work and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Honda Civic.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability – Liability insurance provides protection from damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as attorney fees, legal defense fees, pain and suffering, medical services and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, falling objects and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, damaging your car on a curb, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

One last thing about your coverage

Cheaper auto insurance is available online in addition to many insurance agents, so you need to shop insurance with both to have the best selection. Some companies may not have online quoting and many times these regional insurance providers only sell coverage through local independent agencies.

When shopping online for auto insurance, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

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