Cheaper 2017 Honda Civic Car Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have options when shopping for the lowest priced Honda Civic insurance. They can either waste time calling around to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for your Honda and get the best price possible from both online companies and local agents.

It is always a good idea to price shop coverage every six months since rates tend to go up over time. Even if you got the best rate on Civic insurance a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

Compare quotes for auto insurance

Getting more affordable 2017 Honda Civic auto insurance pricing is an easy way to save money. The only requirement is to take a few minutes comparing rate quotes to see which company has the cheapest car insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do boring form submissions for each company you want a rate for. Filling out one form gets coverage cost estimates from multiple low-cost companies. It’s the fastest way to compare.
  2. A less efficient way to compare rate quotes requires a visit to each company’s website and fill out their own quote form. For instance, we’ll assume you want to get rates from GEICO, Safeco and Progressive. You would have to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

  3. The most difficult method to find and compare rates is driving to all the different insurance agencies. Comparing rates online has made agencies unnecessary unless you require the trained advice that only a licensed agent can provide. Although you can obtain prices from the web but buy from a local insurance agent.

It’s up to you how you get prices quotes, just compare identical quote data for every quote you compare. If you are comparing different deductibles it will be nearly impossible to truly determine the lowest rate.

You may qualify for discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts to help offset the cost. Many discounts should be triggered at quote time, but a few must be requested specifically in order for you to get them.

  • Telematics Devices – Drivers who elect to allow their insurance company to look at driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Anti-lock Brake System – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Active Service Discounts – Being on active duty in the military could qualify you for better prices.
  • Home Ownership Discount – Owning a house can get you a discount because it requires a higher level of personal finance.
  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Online Discount – Many insurance companies will give a small break just for signing your application on the web.

It’s important to note that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts should help lower your overall bill.

Some of the insurance companies that have some of the discounts shown above include:

When quoting, ask all the companies how you can save money. All car insurance discounts may not be available in your area. To view providers who offer car insurance discounts, click this link.

What affects Honda Civic insurance premiums?

Consumers need to have an understanding of a few of the rating criteria that help calculate your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.

The list below includes some of the most rate-impacting factors used by insurance companies to determine your rates.

  • Higher physical damage deductibles are cheaper – Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your Honda. Some coverage claims are a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. The deductibles you choose state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less your insurance will be on Civic insurance.
  • Liability coverage preserves assets – Liability insurance is the coverage that protects you if ever you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • A good credit rating can save money – Having a good credit score can be a huge factor in determining your rates. Therefore, if your credit score is not that good, you could pay less to insure your 2017 Honda Civic by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
  • City traffic equals higher premiums – Residing in a rural area can save you money if you are looking for the lowest rates. Fewer people translates into fewer accident claims in addition to fewer liability claims. Residents of big cities regularly have more aggressive driving styles and much longer commute distances. More time commuting statistically corresponds to a higher accident and claim rate.

There’s no such thing as the perfect auto insurance policy

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining whether you might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my 2017 Honda Civic covered for flood damage?
  • Are split liability limits better than a combined single limit?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need PIP coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Ads can be misleading

Consumers can’t avoid all the ads that claim the cheapest rates by companies like 21st Century, Allstate and State Farm. All the companies make the point that drivers can save some big amount if you get a free car insurance quote and switch your policy.

That’s great but how can every company make almost identical claims? Here is the trick they use.

All the different companies quote the lowest rates for the driver that will generate a profit. For instance, a driver they prefer may be a female over age 40, has no tickets, and drives a car with an anti-theft system. Anyone who fits those characteristics will get a cheap rate quote as well as save some money.

People who cannot meet these standards will probably have to pay higher prices which results in business not being written. The ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can make the claims of big savings. This really drives home the point why you really should get a wide range of price quotes. It is just not possible to predict with any certainty which company will have the lowest premium rates for your situation.

Car insurance coverage information

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers 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 protects against things such as rock chips in glass, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability – This coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, medical services and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Honda Civic.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, dental work, rehabilitation expenses, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Do the work, save more money

We’ve covered a lot of techniques to reduce 2017 Honda Civic insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Some insurance companies do not offer online rate quotes and many times these smaller providers prefer to sell through independent insurance agents. Budget-friendly auto insurance can be found both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture.

When shopping online for auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped full coverage only to find out that it was a big mistake. The proper strategy is to find the BEST coverage at the best cost while not skimping on critical coverages.

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