Cheaper 2010 Honda Civic Insurance Quotes

Searching for cheaper insurance coverage rates for your Honda Civic? Insurance shopping is not something drivers look forward to, but your state requires it in order to satisfy compulsory insurance requirements.

Finding affordable coverage is quite easy. Basically, every driver who is shopping for insurance coverage should be able to find better rates. But vehicle owners do need to know how the larger insurance companies price insurance differently and apply this information to your search.

How much can you save with discounts?

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Civic coverage than drivers with accidents.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Resident Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts are:

Double check with every prospective company which discounts you may be entitled to. Discounts might not apply everywhere.

Honda Civic insurance rates are influenced by…

It’s important that you understand some of the elements that go into determining auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.

  • Adjust deductibles and save – The deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be for Civic coverage.
  • Pay less if you’re married – Having a spouse helps lower the price when buying auto insurance. Having a spouse usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • An active claims history can cost you – Auto insurance companies award better rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • The more you drive the more you pay – The more miles you rack up on your Honda in a year the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Civic may be wasting your money. Make sure your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Policy add-ons can waste money – There are a lot of extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for vanishing deductibles, accidental death and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so eliminate them to save money.
  • Where you live – Residing in a small town has it’s advantages when buying auto insurance. City drivers have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Careers like real estate brokers, executives and financial analysts tend to pay higher average rates attributed to high stress and lots of time spent at work. Conversely, jobs such as scientists, engineers and performers have the lowest average rates for Civic coverage.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Honda earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Do I need replacement cost coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage options for a 2010 Honda Civic

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, rehabilitation expenses, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, hitting a bird, fire damage and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, medical services, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision – This covers damage to your Civic resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Knowledge is power

We covered a lot of techniques to compare 2010 Honda Civic insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the best prices are with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Lower-priced insurance is definitely available online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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