View 2010 Honda Civic Car Insurance Quotes

Looking for better insurance rates for your Honda Civic? Expensive insurance can dwindle your personal savings and put a big crunch on your finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Online insurance companies like Progressive, Geico and Farmers Insurance increase brand awareness with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is not rocket science. Vehicle owners just need to understand the proper way to get comparison quotes online.

The easiest way to compare car insurance company rates is to know almost all companies participate in online systems to provide you with a free rate quote. All consumers are required to do is provide details such as the make and model of your vehicles, how your vehicles are used, whether you have decent credit, and if a SR-22 is needed. Your details is then submitted to multiple companies and they provide comparison quotes very quickly.

To check rates for your , click here and enter the information requested.

Take advantage of discounts

Auto insurance companies don’t always list every available discount very clearly, so we took the time to find both the well known and also the lesser-known insurance savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Drivers Education – Have your child enroll in driver’s education if offered at their school.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • Driver Safety – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Civic coverage than their less cautious counterparts.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

Companies that possibly offer these discounts may include but are not limited to:

Double check with each company how you can save money. All car insurance discounts may not be available in every state.

Lesser-known factors impacting Honda Civic insurance rates

An important part of buying insurance is that you know the rating factors that go into determining insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

Listed below are some of the items insurance companies consider when setting prices.

  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Honda scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Marriage pays dividends – Having a wife or husband actually saves money when buying insurance. Having a spouse means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Where you live – Being located in a small town can be a good thing when it comes to insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with much more traffic to deal with and longer commute times. More time on the road means higher likelihood of an accident.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can buy on your insurance policy. Insurance for roadside assistance, towing coverage and term life insurance are some examples. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Increase deductibles and save – Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The more money you have to pay, the less your company will charge you for insurance on Civic coverage.
  • How’s your driving record? – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Allowing your policy to lapse raises rates – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether you might need professional guidance.

  • What is the ISO rating for a 2010 Honda Civic?
  • Do I need roadside assistance coverage?
  • Do I really need UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • Does insurance cover damages from a DUI accident?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance policy coverages for a 2010 Honda Civic

Understanding the coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Collision protection

Collision coverage will pay to fix damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, ambulance fees, pain medications, EMT expenses and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability 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 a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The highest amount 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 it’s not worth carrying full coverage.

In conclusion

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to regret at claim time that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented a lot of ways to save on 2010 Honda Civic insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Lower-priced insurance can be sourced online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

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