Compare 2016 Honda Civic Insurance Quotes

Looking for cheaper insurance rates? Shoppers have options when shopping for affordable Honda Civic insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to quote coverages for your Honda and get the lowest possible price.

Consumers should take time to check insurance prices as often as possible because prices trend upward over time. If you had the lowest quotes for Civic coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

Drivers can save with with these discounts

Companies don’t always advertise every policy discount very well, so the list below contains some of the more common and the more hidden insurance savings. If you don’t get every credit available, you are not getting the best rate possible.

  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
  • Renewal Discounts – A few larger companies allow discounts for signing up before your current policy expires. You can save around 10% with this discount.
  • Active Service Discounts – Being on active deployment in the military could trigger a small discount.
  • Home Ownership Discount – Just being a homeowner can help you save on insurance since home ownership is proof that your finances are in order.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for cheaper premium rates.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for Civic coverage with select insurance companies.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get a small decrease in premiums for Civic coverage.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.

The best insurance companies and some of their more popular discounts can be read below.

  • Farm Bureau includes discounts for youthful driver, driver training, safe driver, 55 and retired, and multi-policy.
  • State Farm discounts include accident-free, defensive driving training, good driver, student away at school, good student, and Drive Safe & Save.
  • Progressive offers discounts for multi-policy, online quote discount, continuous coverage, online signing, good student, and multi-vehicle.
  • Allstate has savings for good student, safe driver, early signing, good payer, anti-lock brakes, passive restraint, and new car.
  • Nationwide offers premium reductions for defensive driving, business or organization, easy pay, good student, and Farm Bureau membership.
  • MetLife may have discounts that include claim-free, accident-free, defensive driver, good student, good driver, multi-policy

Before you buy a policy, ask every insurance company what discounts are available to you. Discounts might not apply in your area. To see a list of providers who offer cheap insurance quotes, click this link.

Your situation helps dictate your coverage

When choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • What is the rate difference between pleasure use and commuting?
  • Should I have combined single limit or split liability limits?
  • Am I missing any policy discounts?
  • When should I not file a claim?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Big names are not always cheapest

Consumers can’t avoid all the ads that promise big savings for switching by State Farm, GEICO and Progressive. All the ads make the point that drivers will save a bundle if you get a free car insurance quote and switch your coverage.

How is it possible that every company can offer you a better deal?

Car insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured could possibly be married and over the age of 30, has a clean driving record, and drives less than 5,000 miles a year. A driver who fits that profile is entitled to the best price and will save a lot if they switch.

Potential insureds who may not quite match those criteria must pay higher rates which translates to the customer buying from someone else. The trick companies use is to say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can make those statements.

Because of this risk profiling, it’s extremely important to compare free car insurance quotes often. Because you never know which company will have better auto insurance rates than you’re paying now.

Specific coverages for a Honda Civic

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage will pay to fix damage to your Civic caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, surgery, EMT expenses, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, bail bonds, structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Smart shoppers get results

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, high rates after DUI convictions, an unsatisfactory settlement offer or delays in paying claims. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Discount 2016 Honda Civic insurance is definitely available on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer internet price quotes and these smaller companies provide coverage only through local independent agents.

When searching for affordable car insurance quotes, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage to discover at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage for the lowest price.

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