Cheaper 2018 Honda Civic Insurance Quotes

Are you irritated from not being able to afford each month for car insurance? Your situation is no different than many other vehicle owners. Numerous insurers battle for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate

You should take the time to compare premium rates yearly because car insurance prices are rarely the same from one policy term to another. Even if you think you had the best rate on Civic insurance last year you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.

Find discounts on insurance

Some insurers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the list below contains a few of the more well known and also the more inconspicuous discounts that may be available.

  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower prices if you buy a life insurance policy as well.
  • Home Ownership Discount – Owning a house can save you money since owning and maintaining a home demonstrates responsibility.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared with policyholders that have many claims.
  • Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Discounts for Good Drivers – Safe drivers can save as much as half off their rates on Civic insurance than drivers with accidents.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get better insurance rates on Civic insurance.
  • Braking Control Discount – Cars and trucks with ABS and/or traction control prevent accidents so companies give up to a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

Companies and some of their more popular discounts include:

  • The Hartford has discounts for anti-theft, bundle, driver training, good student, air bag, vehicle fuel type, and defensive driver.
  • American Family policyholders can earn discounts including good student, accident-free, defensive driver, mySafetyValet, and early bird.
  • Progressive includes discounts for multi-policy, continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, and good student.
  • Travelers may have discounts that include multi-policy, IntelliDrive, student away at school, good student, and save driver.
  • Farmers Insurance has savings for switch companies, multi-car, youthful driver, alternative fuel, homeowner, mature driver, and distant student.
  • USAA offers premium reductions for military installation, vehicle storage, safe driver, multi-vehicle, defensive driver, and loyalty savings.
  • Liberty Mutual may include discounts for preferred payment discount, teen driver discount, multi-car, new vehicle discount, exclusive group savings, and new graduate.

If you want cheap insurance quotes, ask each company how you can save money. Savings might not be available to policyholders in your area.

Smart choices result in lower insurance rates

Many factors are taken into consideration when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are not quite as obvious such as whether you are married or your commute time.The best way to find cheaper insurance is to take a look at the factors that aid in calculating your insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that can earn you lower rates.

  • Gender and insurance coverage – Statistics have proven women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive insurance rates.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and better occupant protection means lower claim amounts which can result in lower premiums.
  • Does your occupation cost you more? – Careers like fire fightersair traffic controllers and dentists have the highest rates in part from intense work-related stress and lengthy work days. Conversely, jobs such as farmers, engineers and homemakers receive lower rates on Civic insurance.
  • High physical damage deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of covered claims could be collision with another vehicle, damage caused by hail, and damage caused by flying debris. The deductibles are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on Civic insurance.
  • Only buy what you need – There are a lot of optional add-on coverages that can waste your money if you aren’t diligent. Coverages for roadside assistance, death and dismemberment, and membership fees are some examples. These may sound like a good investment when deciding what coverages you need, but if they’re wasting money think about removing them and cutting costs.
  • More policies can equal more savings – Some companies allow a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, drivers will still want to shop around to help guarantee you have the best rates.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Should I have a commercial auto policy?
  • What is the ISO rating for a 2018 Honda Civic?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When do I need to add a new car to my policy?
  • Am I covered if I crash into my own garage door?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Drivers who switch save $434 a year? Really?

Drivers can’t escape the ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the ads advertise claims of big savings after switching to their company.

How can each company make almost identical claims? Here is the trick they use.

Insurance providers quote their cheapest rates for the type of customer that will add to their bottom line. An example of a profitable customer could be between 25 and 40, has other policies, and has a short commute. Any driver who fits that profile receives the best premium rates and most likely will save if they switch.

Consumers who fall outside the “perfect” profile must pay a higher premium and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that kind of money. That is how insurance companies can confidently make claims like that. That is why you need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have better rates than you’re paying now.

Auto insurance coverages

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Collision – Collision coverage will pay to fix damage to your Civic resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, chiropractic care, rehabilitation expenses and funeral costs. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, damage from getting keyed and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2018 Honda Civic.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, emergency aid, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Shop around and save

Cheap 2018 Honda Civic insurance can be sourced online and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not have rate quotes online and many times these small insurance companies only sell through independent agents.

When searching for the cheapest insurance quotes, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford.

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