2011 Honda Civic Insurance Quotes

Trying to find better insurance coverage rates for your Honda Civic? Overpriced Honda Civic insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the definite best rates possible.

Are you getting all your discounts?

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on your policy on Civic insurance.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Civic insurance.

Keep in mind that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance discounts, click here.

The most recommended method to get policy rate comparisons takes advantage of the fact most larger insurance companies will pay a fee to provide you with free rate quotes. All consumers are required to do is give them some information including an estimate of your credit level, types of safety features, how your vehicles are used, and which vehicles you own. The data gets sent immediately to many highly-rated insurers and they return quotes with very little delay.

Honda Civic insurance premiums are calculated by many factors

Consumers need to have an understanding of the factors that go into determining insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to better insurance rates.

  • More claims means more premium – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use or commuting – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Civic can result in significantly higher rates.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t careful. Things like personal injury protection, accidental death and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Do you qualify for a multi-policy discount? – Most insurance companies will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal.
  • Your location is important – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Fewer people means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
  • Occupation reflects on rates – Occupations such as doctors, executives and dentists tend to have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations like farmers, historians and the unemployed receive lower rates on Civic insurance.

When might I need an agent?

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your situation might need professional guidance.

  • Do I need medical payments coverage since I have good health insurance?
  • Where can I find DUI or SR-22 insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the difference between comprehensive and collision coverage?
  • Can my teen drive my company car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Collision coverage – This coverage covers damage to your Civic caused by collision with an object or car. 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 ditch, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, doctor visits and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. It does not 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 might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Power to the consumer

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In many cases, drivers have reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of tips how to shop for 2011 Honda Civic insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a small local company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

The cheapest insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

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