Save on 2012 Honda Civic Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Honda Civic? Finding cheaper insurance for a Honda Civic could be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to shop for insurance coverage and we’ll show you the best way to quote coverages for your Honda and obtain the lowest price from both online companies and local agents.

It’s important to price shop coverage yearly since rates change regularly. Despite the fact that you may have had the best rates on Civic insurance a couple years back a different company probably has better rates today. Forget all the misinformation about insurance coverage because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

Buying car insurance is quite easy. If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to get lower rates and still get good coverage. Vehicle owners just need to understand how to shop over the internet.

Save with discounts on Honda Civic insurance

Companies that sell car insurance don’t always publicize every available discount very clearly, so we researched both well-publicized and the more hidden ways to save on car insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Senior Citizens – Mature drivers may receive better car insurance rates on Civic insurance.
  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • E-sign – A handful of insurance companies will give a small break just for signing your application over the internet.
  • Memberships – Being a member of certain professional organizations could trigger savings when buying car insurance on Civic insurance.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of insurance companies offering car insurance discounts, click this link.

Factors that can influence insurance rates for a Honda Civic

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that could result in big savings.

  • Do you know you’re credit rating? – Your credit history is a huge factor in calculating your car insurance rates. If your credit score is not that good, you could save money insuring your 2012 Honda Civic by improving your rating. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.
  • Little extras can really add up – There are many additional coverages that can waste your money on your Civic policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so eliminate them to save money.
  • Being married is a good thing – Having a wife or husband can actually save you money on your policy. It means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Honda Civic is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Do you know your deductibles? – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Civic insurance.
  • Poor driving leads to higher costs – Whether or not you get tickets has a big impact on rates. Only having one ticket may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • Is my trailer covered?
  • Do I have newly-aquired coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Exactly who is provided coverage by my policy?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t believe everything you hear

Consumers constantly see and hear ads for car insurance savings by State Farm, Geico and Progressive. They all say the same thing that you can save if you move to their company.

But how can every company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the driver they prefer to insure. For instance, a profitable customer could possibly be a mature driver, has no tickets, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t meet the “perfect” profile must pay higher premiums which leads to the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much. This is how companies can truthfully make those claims. This illustrates why drivers must get as many quotes as possible. You cannot predict which insurance companies will have the lowest Honda Civic insurance rates.

Auto insurance coverages

Knowing the specifics of your car insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, prosthetic devices, ambulance fees, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability

This will cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, backing into a parked car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Compare but don’t skimp

People leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, policy non-renewal or even unfair underwriting practices. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Affordable 2012 Honda Civic insurance can be purchased online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just presented quite a bit of information on how to save on insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the best price on insurance is with a lesser-known regional company.

Additional insurance information can be found at the links below