Cheaper 2017 Honda Civic Car Insurance Cost

No sane person looks forward to buying car insurance, especially when they know the cost is too high. Popular companies such as Geico, Progressive and Allstate persitently shower you with advertising and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Cheaper rates with these auto insurance discounts

Some insurance providers don’t necessarily list every available discount in an easy-to-find place, so the list below contains some of the more common as well as some of the hidden credits available to bring down your rates.

• Anti-theft System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Distant Student Discount – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
• E-sign – A few larger online companies may give you up to $50 shop insurance coverage on the web.
• Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Civic coverage with some auto insurance companies.
• Home Ownership Discount – Being a homeowner can help you save on auto insurance because maintaining a house requires a higher level of personal finance.
• Defensive Driver Discounts – Taking time to complete a defensive driving class may get you a small discount depending on where you live.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
• No Claim Discounts – Insureds with no claims or accidents pay much less when compared with bad drivers.
• Military Deployment Discount – Being on active deployment in the military can result in better rates.
• Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for Civic coverage compared to rates paid by drivers with frequent claims.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

• Farm Bureau may include discounts for safe driver, youthful driver, multi-vehicle, 55 and retired, and driver training.
• State Farm has discounts for anti-theft, accident-free, student away at school, safe vehicle, and driver’s education.
• Progressive has savings for homeowner, multi-policy, online signing, good student, online quote discount, continuous coverage, and multi-vehicle.
• Allstate discounts include early signing, multi-policy, new car, anti-lock brakes, and good student.
• Nationwide offers discounts for defensive driving, multi-policy, easy pay, anti-theft, and accident-free.
• MetLife offers premium reductions for claim-free, defensive driver, good student, accident-free, and good driver.

Check with each company or agent which discounts you may be entitled to. A few discounts might not be available to policyholders in your area. To view insurers with discount auto insurance rates, click here to view.

The best way we recommend to compare rates is to know most of the bigger providers pay for the opportunity to provide you with a free rate quote. The one thing you need to do is provide a small amount of information including how much school you completed, whether you are married, daily mileage, and if it has an anti-theft system. Your rating data is automatically sent to all major companies and they provide comparison quotes with very little delay.

To start a rate quote now, click here and complete the form.

Auto insurance can get complicated

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

• Who is covered by my policy?
• What is covered by UM/UIM coverage?
• Am I getting all the discounts available?
• What is an SR-22 filing?
• Does my insurance cover my expensive audio equipment?
• When should I remove comp and collision on my 2017 Honda Civic?
• Does liability extend to a camper or trailer?
• What is no-fault insurance?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance policy coverages for a Honda Civic

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like surgery, hospital visits, chiropractic care, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage – Liability insurance protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, attorney fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from getting keyed and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Civic.

Since many drivers have only the minimum liability required by law, 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.

Collision coverage – This coverage pays for damage to your Civic caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Knowledge is power

Lower-priced 2017 Honda Civic insurance is possible both online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best selection. Some insurance providers do not offer price quotes online and these smaller providers only sell coverage through local independent agents.

We just presented many tips how you can save on 2017 Honda Civic insurance. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding low cost insurance coverage. You may even discover the lowest prices come from a smaller regional carrier. They often have lower rates on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

When you buy insurance coverage online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Additional detailed information can be read by following these links:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance Quotes for a Honda Civic in Miami? (MiamiCoverage.com)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)