Compare 2018 Honda Civic Car Insurance Rates

When trying to find cheaper insurance, do you get confused by the sheer number of insurance choices? Lot’s of other drivers are too. There are so many choices that it is a difficult mission to find the best insurance rates.

Lower rate quotes with these insurance coverage discounts

Properly insuring your vehicles can get expensive, but there are discounts available that may help make it more affordable. Some trigger automatically at quote time, but occassionally some discounts must be manually applied before you will receive the discount.

  • Clubs and Organizations – Joining certain professional organizations could qualify you for a break on your bill.
  • Accident Forgiveness Coverage – Not really a discount, but some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • No Accidents – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Distant Student Discount – Kids who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted premium rates on garaged vehicles.
  • Life Insurance – Some insurance coverage companies give a discount if you purchase some life insurance too.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a discount up to 10% on Civic insurance.
  • Defensive Driver – Taking time to complete a course teaching defensive driver skills is a good idea and can lower rates and easily recoup the cost of the course.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. But all discounts should help reduce the amount you have to pay.

To choose insurance coverage companies that offer many of these discounts, click here.

Insurance coverage can get complicated

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.

For example, these questions may help you determine if your situation might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When does my teenage driver need to be added to my policy?
  • Why is insurance for a teen driver so high?
  • Should I have a commercial auto policy?
  • Should I buy full coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Do drivers who switch really save $409 a year?

Companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. They all seem to make an identical promise about how much you will save if you move to them. How is it possible that every company can charge lower premium rates? Just pay attention to how they say it.

Insurance providers can use profiling for the type of customer that makes them money. An example of a desirable insured might be a female over age 40, has never had a claim, and drives less than 10,000 miles a year. Any new insured that fits those parameters will get low prices and will save a lot of money.

People who don’t qualify for the ideal profile may be forced to pay higher prices which leads to business not being written. The ads state “people that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can state the savings. This really emphasizes why you need to compare quotes as often as possible. It’s just too difficult to predict which insurance coverage company will have better prices than you’re paying now.

Coverages available on your policy

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, rehabilitation expenses, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Civic caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability

This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, funeral expenses, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2018 Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage on a shoestring budget

As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, an insured cut collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

We just presented many ideas to compare 2018 Honda Civic insurance premium rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a smaller regional carrier.

Insureds leave their current company for a number of reasons such as policy cancellation, policy non-renewal, questionable increases in premium or even delays in responding to claim requests. Regardless of your reason, finding a great new company is not as hard as you think.

More information is located at the links below