Cheaper 2015 Honda Civic Insurance Quotes

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as most other car owners.

Drivers have multiple car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more challenging to find the best rates.

It’s a great practice to check insurance coverage prices once or twice a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best price on Civic coverage six months ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Elements that influence Honda Civic insurance rates

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

Shown below are a partial list of the pieces that factor into prices.

  • Bump up deductibles to save – The deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Civic coverage.
  • Multi-policy discounts can save money – Some insurers will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can buy when buying car insurance. Coverages for rental car reimbursement, towing coverage and membership fees are some examples. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
  • Pleasure use saves money – The higher the mileage driven every year the more you will pay for car insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than those used for commuting. If your policy improperly rates your Civic may be wasting your money. Make sure your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.

Cheap Car Insurance Comparisons

There are a lot of ways to compare car insurance prices but one way is easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.

Most of the best insurance companies enroll in a system where prospective buyers submit one quote, and every company can provide price quotes. This saves time by eliminating quote forms for each company you want a rate for. To find out what other companies charge for 2015 Honda Civic insurance click here (opens in new window).

The only downside to comparing rates this way is you are unable to specify which providers to get quotes from. So if you want to choose from a list of companies to compare, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same coverages for every quote you compare. If your comparisons have higher or lower deductibles you will not be able to find the best deal for your Honda Civic. Slightly different coverages can result in a big premium difference. It’s important to know that obtaining a wide range of quotes will increase your chances of finding the best rates.

How to save on Honda Civic insurance

Companies that sell car insurance don’t list every discount very clearly, so we break down both well-publicized and also the lesser-known insurance coverage savings.

  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • E-sign – A few companies may give you up to $50 for buying your policy digitally online.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Club Memberships – Participating in a professional or civic organization could qualify you for a break when buying insurance coverage on Civic coverage.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Civic coverage than drivers with accidents.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Civic coverage.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of companies offering insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Should I rate my 2015 Honda Civic as pleasure use or commute?
  • Am I covered if I hit my neighbor’s mailbox?
  • What happens if I owe more than my 2015 Honda Civic is worth?
  • What can I do if my company denied a claim?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Learning about specific coverages of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Collision protection

This coverage pays for damage to your Civic from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Honda Civic.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, damage from flooding, theft and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like surgery, hospital visits, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, court costs, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Pennies from heaven

Budget-conscious 2015 Honda Civic insurance is possible both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to discover later that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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