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Honda Civic Insurance Cost

Finding cheaper car insurance by quoting online is easy and at the same time you can save money. The key is to get rates from as many companies as possible so you can compare all possible prices.

Consumers who are new to the process of comparison shopping may think finding cut-rate Civic insurance is hard. There are several ways to get quotes from car insurance companies in your area. The easiest way by far to find the lowest Civic insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors impact Civic insurance quotes?

Car insurance premiums for your Honda Civic can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Men typically pay more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your occupation
  • The amount of protection requested
  • Whether you rent or own your home

An additional factor which can affect Civic insurance cost is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair will push premiums down. But more recent Honda vehicles may have safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Honda resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Honda Civic Insurance Rates?