Save on 2016 Honda Civic Insurance Quotes

Trying to find cheaper insurance rates for your Honda Civic? Consumers who are new to the process of shopping for insurance online will find finding the lowest-priced insurance is more work than they anticipated.

Consumers need to check insurance prices at least once a year since insurance rates trend upward over time. Despite the fact that you may have had the best price on Civic coverage a couple years back you can probably find a better price now. So ignore everything you know about insurance because it’s time to teach you one of the quickest ways to save on insurance.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Nevertheless, car owners can benefit from knowing how the larger insurance companies sell online and use this information to your advantage.

The best way to compare policy rates takes advantage of the fact car insurance companies provide online access to quote your coverage. All consumers are required to do is spend a couple of minutes providing details such as if a SR-22 is required, your credit rating estimate, if you went to college, and your job. Your details gets sent immediately to all major companies and they return cost estimate within a short period of time.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company denied a claim?
  • When should my teen driver be added to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need rental car coverage?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage basics

Understanding the coverages of auto insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, funeral costs, ambulance fees, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle, a broken windshield, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, medical services, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your Civic resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.