How Much Does 2006 Honda Civic Insurance Cost?

Trying to find better car insurance rates for your Honda Civic? Expensive car insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to cut your insurance bill. Big companies like Progressive, Geico and Farmers Insurance increase brand awareness with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

You should take the time to shop coverage around yearly since rates tend to go up over time. Even if you got the best rates on Civic coverage a few years ago you can probably find a better price now. There is a lot of wrong information about car insurance online, so with this article, you’re going to get the easiest ways to buy car insurance cheaper.

If you have a policy now or are just looking to switch companies, you can use these techniques to cut your premiums and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to understand the most effective way to compare prices online.

What determines your Honda Civic insurance premium

Smart consumers have a good feel for the rating factors that come into play when calculating auto insurance rates. Understanding what determines base rates enables informed choices that could result in big savings.

  • Drive less and save money – Driving more miles each year the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because it can save money. If your policy improperly rates your Civic may be costing you.
  • Bad driving skills means higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates compared to drivers with tickets. Only having one moving violation can bump up the cost by twenty percent. Drivers who have flagrant citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Men pay higher rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Discounts are available to cut your rates

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but less common discounts must be specifically requested before you get the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Civic coverage with a few car insurance companies.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • No Claims – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts up to 30%.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will cut the cost of coverage.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company what discounts are available to you. Some discounts might not be offered in your state.

Drivers who switch save $451 a year? Really?

Consumers can’t get away from ads that promise big savings by companies like Geico, State Farm and Progressive. They all make an identical promise of big savings if you move to them.

How does each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of driver they prefer to insure. For example, a desirable insured could possibly be between 25 and 40, owns a home, and has a high credit rating. A driver who meets those qualifications receives the best rates and most likely will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile must pay more money which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save that much. That is how insurance companies can confidently claim big savings.

This illustrates why it’s extremely important to compare many company’s rates. Because you never know which insurance companies will provide you with the cheapest Honda Civic insurance rates.

Everyone needs different coverages

When buying the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?
  • How high should my uninsured/underinsured coverage be in my state?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Are split liability limits better than a combined single limit?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverage options for a Honda Civic

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Honda Civic.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hail damage and theft. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as hospital visits, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

A fool and his money are soon parted

Budget-conscious 2006 Honda Civic insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

In this article, we covered many tips how you can reduce insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

More detailed car insurance information is available in the articles below: