2009 Honda Civic Insurance Quotes

Sick and tired of scraping the payment together to insure your Honda every month? You are in the same boat as most other car owners. There are many car insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to find the lowest rates.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Vehicle owners only need to know the proper methods to compare company rates over the internet.

Factors that might impact rates for a Honda Civic

It’s important that you understand the factors that go into determining insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

Listed below are some of the factors that factor into rates.

  • Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Honda Civic earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Policy add-ons can waste money – There are a lot of additional coverages that you can get tricked into buying on your insurance policy. Coverages like rental car reimbursement, accidental death and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Frequent insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies generally give lower rates to policyholders who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.
  • A clean driving record saves money – Just one speeding ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Pay less after the wedding – Getting married can actually save you money on your insurance policy. Having a significant other usually means you are more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Lower rates come with age – Teen drivers are statistically proven to get distracted easily behind the wheel so insurance rates are higher. Having to add a teen driver to your insurance policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations.

Automobile Insurance Quotes

Reducing your 2009 Honda Civic insurance rates doesn’t have to be difficult. The only requirement is to take a couple of minutes to get quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for every insurance coverage company. One form gets rate comparisons direct from many companies.
  2. A different way to find lower rates consists of visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare rates from Nationwide, Liberty Mutual and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but ensure you’re using the exact same coverages and limits for every company. If you enter higher or lower deductibles it’s not possible to determine the lowest rate for your Honda Civic.

The car insurance bait and switch

Consumers can’t ignore all the ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies make the same claim of big savings if you switch to them.

How do they all make almost identical claims?

Different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk could possibly be over the age of 40, owns a home, and has great credit. A customer who meets those qualifications will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the requirements will have to pay a more expensive rate and this can result in business not being written. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can advertise the savings.

Because of the profiling, you need to compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings on Honda Civic insurance.

Don’t overlook these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Civic coverage than drivers with accident claims.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda can earn a substantially lower rate.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for Civic coverage.

Consumers should know that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

To see a list of providers offering insurance coverage discounts, click here.

Is my situation unique?

When it comes to choosing coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my 2009 Honda Civic covered for smoke damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability do I need to cover my assets?
  • Am I covered if my car is in a flood?
  • When can I cancel my policy?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, surgery, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your Civic caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, colliding with a tree, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability insurance – This provides protection from damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, structural damage, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Spend less. Save more.

When you buy insurance online, never buy less coverage just to save a little money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best price.

In this article, we covered many tips how you can save on 2009 Honda Civic insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

Additional insurance coverage information is available at the links below