Trying to find better auto insurance rates for your Honda Civic? Having to pay for overpriced auto insurance can drain your savings account and put a big crunch on your finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket.
Drivers have so many car insurance companies to pick from, and even though it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.
It’s a good idea to compare prices yearly because insurance rates tend to go up over time. Even if you got the best price on Civic coverage a year ago there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.
When shopping for auto insurance there are multiple ways to get quotes from different insurance companies. The simplest method to find competitive 2013 Honda Civic insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.
The single most time-saving way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quotation requests for each company you want a rate for. Completing one form will get you price quotes from multiple companies.
Another way to get quotes online is spending the time to visit the website of each company and complete a new quote form. For instance, we’ll assume you want rates from Progressive, Farmers and State Farm. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
The least recommended method to compare rates is driving around to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. You can, however, comparison shop online but still have the advice of a local agent. We’ll cover that shortly.
Whichever method you choose, double check that you are using apples-to-apples quote information for every quote you compare. If you compare differing limits it’s not possible to determine the lowest rate for your Honda Civic. Just a small difference in coverage limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes helps locate lower pricing.
Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. They all make the same claim of big savings if you switch to them. How can each company make almost identical claims? This is how they do it.
Insurance companies are able to cherry pick for the type of customer they prefer to insure. An example of a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and therefore will pay quite a bit less when switching companies.
Consumers who fall outside these standards will be quoted a more expensive rate which leads to the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the savings. This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know the company that will have the lowest Honda Civic insurance rates.
Auto insurance companies don’t always list every discount very clearly, so we break down both the well known and the harder-to-find ways to save on insurance coverage.
Drivers should understand that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.
To see a list of insurers offering insurance coverage discounts, follow this link.
When it comes to choosing coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you may require specific advice.
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.
Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.
Collision coverage covers damage to your Civic resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.
Coverage for medical payments and/or PIP kick in for short-term medical expenses for funeral costs, pain medications, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2013 Honda Civic.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things such as bail bonds, medical services, structural damage and pain and suffering. How much coverage you buy is your choice, but buy as much as you can afford.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like theft, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
The cheapest 2013 Honda Civic insurance is possible from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and these small, regional companies work with independent agents.
As you restructure your insurance plan, you should never reduce coverage to reduce premium. In too many instances, an insured dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
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