Cheap 2017 Honda Civic Insurance Rates

If you’re shopping for lower-cost insurance, are you confused by the crazy number of auto insurance providers that you can choose from? Lot’s of other drivers are too. People have such a large number of options that it can easily turn into a difficult situation to find the lowest price.

It’s important to compare premium rates on a regular basis because prices fluctuate regularly. Even if you got the lowest price for Civic insurance six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we’re going to show you the quickest way to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Locating affordable car insurance coverage is not that difficult. But consumers do need to understand how companies sell insurance online and apply this information to your search.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize every possible discount in a way that’s easy to find, so below is a list some of the best known and the more hidden discounts you could be receiving when you buy insurance coverage online.

  • Sign Early and Save – A few companies give discounts for signing up early. This discount can save up to 10%.
  • Online Discount – Some of the larger companies will give a small break for signing up on the internet.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Savings for New Vehicles – Putting coverage on a new car can save up to 30% compared to insuring an older model.
  • Anti-theft System – Cars optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Driver’s Ed – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
  • Multi-line Discount – Companies who offer life insurance give better prices if you take out life insurance from them.
  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies may permit one accident before your rates go up as long as you don’t have any claims before the accident.
  • No Claim Discounts – Claim-free drivers pay much less compared to policyholders that have many claims.

As a sidenote, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous. But all discounts will help reduce the amount you pay for coverage.

A partial list of companies that may offer quotes with most of these discounts may include but are not limited to:

It’s a good idea to ask every prospective company the best way to save money. Savings may not be available in your area.

Get cheap insurance prices by understanding these factors

Many factors are considered when premium rates are determined. A few of the factors are predictable such as traffic violations, but some are more transparent like your vehicle usage or your commute time.

The itemized list below are a partial list of the pieces companies use to determine premiums.

  • Discounts for GPS tracking and theft deterrents – Buying a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
  • Avoid traffic tickets – Having just one speeding ticket or other violation can boost insurance rates by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who have gotten license-revoking tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • When should you file a insurance claims? – Companies give the best rates to people that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for claims that pose a financial burden.
  • Only buy extra policy coverages you need – Insurance companies have many extra coverages you can purchase if you aren’t diligent. Insurance for roadside assistance, towing coverage, and extra life insurance coverage are some examples. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Low physical damage deductibles cost more – Your deductibles state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims are colliding with a stationary object, animal collisions, and damage from wind. The more money you are required to pay out-of-pocket, the less money you will pay for auto insurance for Civic insurance.

Car insurance is unique, just like you

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is upholstery damage covered by car insurance?
  • Are my friends covered when driving my car?
  • What is roadside assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • Should I rate my 2017 Honda Civic as pleasure use or commute?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Can you really save $403 a year?

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all advertise the message about savings after switching your coverage. How can each company charge you less for car insurance?

Most companies have specific guidelines for a prospective insured that will be a good risk. For instance, a profitable risk profile should be a married male, has no claims, and drives less than 7,500 miles a year. Anybody who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who do not match these stringent criteria will probably have to pay a more expensive rate which translates to the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can truthfully make the claims of big savings.

This really drives home the point why you need to get insurance coverage quotes as often as possible. It’s just not possible to know which insurance company will have the lowest rates for your situation.

Insurance coverage specifics

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, falling objects and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, pain medications, doctor visits, rehabilitation expenses and chiropractic care. 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 in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers 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. Frequently these coverages do not exceed the liability coverage limits.

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It 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 per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as court costs, medical services, emergency aid, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision coverage

Collision coverage covers damage to your Civic caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Quote more, save more

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In too many instances, an insured dropped full coverage only to discover later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Cheaper insurance coverage is definitely available online and from local agencies, so you need to shop insurance coverage with both to have the best selection. Some insurance providers don’t offer the ability to get quotes online and usually these regional insurance providers prefer to sell through independent agencies.

We just presented many ideas to reduce 2017 Honda Civic insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost insurance coverage. You may even find the lowest rates come from some of the smallest insurance companies.

To read more, take a look at the articles below: