2018 Honda Civic Car Insurance Quotes – 10 Tips to Save

I really doubt anyone anticipates paying for insurance coverage, especially when they know they could lower their rates if they shopped around.

There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a choice, more options can take longer to compare rates and find the lowest cost insurance coverage.

Finding auto insurance

There are a variety of methods to compare auto insurance quotes, but some are less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many popular insurance companies belong to a marketplace where prospective buyers submit one quote, and each participating company provides a quote for coverage. This saves time by eliminating quotation requests to each company. To find out what other companies charge click here (opens in new window).

The single downside to comparing rates this way is you are unable to specify the insurers you want pricing from. So if you prefer to choose individual companies for rate comparison, we have a page of auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to use apples-to-apples coverage limits and deductibles on every quote. If you have differing limits you can’t possibly determine the lowest rate for your Honda Civic. Slightly different coverage limits could mean much higher rates. And when comparing auto insurance rates, know that comparing a wide range of rates increases the change that you will find better pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare prices on coverage from those companies, too.

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Why you might not save $490 a year

Auto insurance providers like Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. They all make an identical promise that drivers can save some big amount if you get a free insurance quote and switch your coverage to them. How does each company give you a lower rate?

Companies have a preferred profile for the type of customer that earns them a profit. For instance, this type of driver may need to be over the age of 45, owns their home, and has great credit. Any new insured who meets those qualifications receive the lowest rate quotes and will probably cut their rates if they switch.

Consumers who fall outside these criteria will have to pay higher prices which results in the customer buying from someone else. The wording the ads use say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently make it sound like they have such great premium rates. This illustrates why you really need to do a rate comparison at every renewal. It is impossible to guess which auto insurance company will have the best car insurance rates.

Ten discounts for cheap car insurance rates

Insurance can be prohibitively expensive, but there may be some discounts that can drop the cost substantially. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically prior to getting the savings.

• Bundle and Save – When you have multiple policies and insure them with the same company you may save 10% to 20% off each policy.
• Switch and Save Discount – A few companies offer discounts for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• Responsible Drivers – Accident-free drivers may save up to 50% more for Civic insurance compared to accident prone drivers.
• Buy New and Save – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
• Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction for Civic insurance with some car insurance companies.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up could save 15% off PIP or medical payments premium.
• Accident Waiver – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Professional Organizations – Being in specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
• Driver Safety – Completing a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
• Homeowners Discount – Simply owning a home can save you money since home ownership requires a higher level of personal finance.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

To view car insurance companies with the best discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation might need professional guidance.

• Why does it cost so much to insure a teen driver?
• Can I afford to pay high deductible claims out of pocket?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Where can I get insurance after a DUI in my state?
• If I drive on a suspended license am I covered?
• If my 2018 Honda Civic is totaled, can I afford another vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my personal policy cover me when driving out-of-state?
• Is other people’s property covered if stolen from my vehicle?
• What are the financial responsibility laws in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

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Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like dental work, EMT expenses, rehabilitation expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2018 Honda Civic.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Get your money’s worth

You just read some good ideas how you can get a better price on 2018 Honda Civic insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

When searching for inexpensive insurance quotes, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

To read more, take a look at the articles below:

• Young Drivers: The High Risk Years Video (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)

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