Save on 2006 Honda Civic Insurance Quotes

Want the cheapest auto insurance rates for your Honda Civic? Comparison shopping for auto insurance can be a challenge for beginners to comparing rates online. There are so many choices that it can turn into a real hassle to find the best price.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. But vehicle owners can benefit by having an understanding of the way insurance companies price online insurance and use this information to your advantage.

The easiest way to compare rate quotes is to take advantage of the fact most insurance companies allow for online access to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details including how much education you have, level of coverage desired, how you use your vehicles, and any included safety features. That rating information is instantly provided to multiple insurance coverage providers and they return quotes instantly to find the best rate.

Cut your premium with discounts

Auto insurance companies don’t always list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on insurance coverage.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Civic coverage.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Civic coverage with certain companies.
  • Life Insurance Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.

Keep in mind that most credits do not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may offer these discounts are:

Check with each company what discounts are available to you. Savings may not apply in your area.

What is the best insurance coverage?

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Am I covered if I hit a deer?
  • Should I get collision insurance on every vehicle?
  • What can I do if my company denied a claim?
  • Does my 2006 Honda Civic need full coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I insured when driving a different vehicle?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

What determines your Honda Civic insurance premium

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to lower insurance prices.

Listed below are a partial list of the pieces companies use to determine prices.

  • Extra add-on coverages are wasting money – There are quite a few add-on coverages you can purchase on your Civic policy. Coverages like vanishing deductibles, better glass coverage and membership fees are examples of these. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
  • Your age impacts your rates – Young drivers are statistically proven to get distracted easily when behind the wheel so insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets.
  • Pleasure use saves money – Driving more miles in a year’s time the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Improper usage on your Civic may be costing you. Make sure your insurance coverage is rated on the proper vehicle usage.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • How’s your driving record? – A bad driving record has a huge affect on how much you pay. Good drivers get better rates than people who have multiple driving citations. Even one speeding ticket can increase rates forty percent or more. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Don’t sacrifice liability coverage – Liability insurance will protect you in the event that you are found liable for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Lower deductibles cost more – The deductibles represent how much money you are willing to pay out-of-pocket before your insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more expense you’re willing to pay, the bigger discount you will receive on Civic coverage.
  • Too many insurance claims drive up costs – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies give lower rates to insureds who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Coverages available on your policy

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, chiropractic care, nursing services and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, court costs and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage covers damage to your Civic caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer, hail damage, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Do the work, save more money

As you restructure your insurance plan, you should never buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

People who switch companies do it for a number of reasons such as denial of a claim, being labeled a high risk driver, not issuing a premium refund and even policy non-renewal. It doesn’t matter what your reason, switching insurance companies is not as hard as you think.

We covered quite a bit of information on how to lower your 2006 Honda Civic insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest premiums are with the least-expected company.

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