View 2007 Honda Civic Insurance Cost

Looking for cheaper car insurance rates for your Honda Civic? Finding the lowest price for car insurance can be difficult if you’re new to online quoting. But don’t be discouraged because it’s actually quite easy.

It’s important to compare prices at least once a year since insurance rates are usually higher with each renewal. If you had the best deal for Civic coverage on your last policy you can probably find a better price now. There is too much inaccurate information about car insurance online, so with this article, you’re going to get some guaranteed methods to quit paying high car insurance rates.

Where Can I Get Cheap Insurance?

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You could waste time talking to insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Many popular insurance companies take part in a program that enables customers to only type in their quote data once, and at least one company can provide price quotes based on that data. This eliminates the need for quote forms to every company.

To use this form to compare 2007 Honda Civic insurance rates click here to open in new window.

The single downside to using this type of system is buyers cannot specifically choose the providers to get pricing from. If you would rather choose specific providers to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage limits with every price quote. If you are comparing different liability limits it will be impossible to make an equal comparison. Slightly different insurance coverages may cause a big price difference. And when comparison shopping, having more price comparisons helps locate the best offered rates.

Situations that might require an agent

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions may help you determine whether you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Do I need replacement cost coverage on my 2007 Honda Civic?
  • What can I do if my company denied a claim?
  • Is upholstery damage covered by car insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What vehicles should carry emergency assistance coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like X-ray expenses, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Civic caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, crashing into a building, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Honda Civic.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.