2015 Honda Civic Insurance Cost – 6 Tricks for Best Prices

Sick and tired of sacrificing to pay high car insurance rates every month? Your situation is no different than many other consumers. Because there are so many options when it comes to car insurance, it’s difficult to choose a more affordable car insurance company.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Drivers just need to learn the most effective way to shop their coverage around over the internet.

The quickest method we recommend to compare rates is to understand car insurance companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data like the make and model of your vehicles, if you are currently licensed, driver ages, and if it has an anti-theft system. Your insurance information gets transmitted to many of the top insurers and you will get price comparisons quickly.

Pay discount rates these six money-saving discounts

Car insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Some discounts will apply at quote time, but some need to be asked for before they will apply.

  • Save over 55 – Mature drivers may receive lower premium rates on Civic coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Onboard Data Collection – Drivers who elect to allow companies to track where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
  • Safety Course Discount – Taking a course teaching defensive driver skills could save 5% or more and easily recoup the cost of the course.
  • Government Employees – Federal government employees may qualify for a discount when you quote insurance on Civic coverage depending on your company.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.

One last thing about discounts, most discount credits are not given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, nobody gets a free ride. But all discounts will definitely lower the amount you pay for coverage.

If you would like to view companies who offer cheap car insurance quotes, click this link.

Do I need special coverages?

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Where can I find high-risk insurance?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my car insurance cover rental cars?
  • What are the best liability limits?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Honda Civic.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different 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 which stand for a limit of $50,000 per injured person, 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 such as court costs, medical services and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Civic resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, doctor visits, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

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

Comprehensive can pay for things such as a broken windshield, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Have money to burn

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of ways to get a better price on 2015 Honda Civic insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

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