2014 Honda Civic Insurance Cost – 8 Policy Discounts

Searching for lower insurance coverage rates for your Honda Civic? Feel like you’re a prisoner to overpriced insurance coverage? Believe me, there are many people just like you.

Because there are so many companies to choose from, it can be challenging to find the most affordable car insurance company.

How to save on Honda Civic insurance

Companies don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break on your policy on Civic coverage.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

Keep in mind that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply in every state.

Insurance Coverage Prices

The are a couple different ways to compare rate quotes and find the best price. By far the easiest way to compare 2014 Honda Civic insurance prices consists of shopping online. This can be done in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing repetitive form entry to each individual insurance coverage company. One quote request will return price quotes from several companies.

A slightly less efficient method to get comparison quotes requires a visit to the website of each company and complete a new quote form. For sake of this example, let’s say you want to compare rates from Nationwide, 21st Century and Progressive. You would have to go to every website and enter your information, 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 your choice how you get your quotes, but double check that you are using the exact same quote information for each price quote. If each company quotes different liability limits you can’t possibly truly determine the lowest rate. Just a small difference in insurance coverages can mean a large discrepancy in price. Just remember that having more price comparisons helps you find a lower rate.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight whether you could use an agent’s help.

  • How high should deductibles be on a 2014 Honda Civic?
  • Is my Honda Civic covered if I use it for business?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I drive in Mexico and have coverage?
  • Why is insurance for a teen driver so high?
  • Am I covered if I hit a deer?
  • Is pleasure use cheaper than using my 2014 Honda Civic to commute?
  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When can I cancel my policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Can you really save $427 a year?

Insurance coverage companies such as Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. They all seem to have a common claim about savings if you switch your coverage to them. But how can every company say the same thing?

All the different companies have a preferred profile for the driver that makes them money. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don’t measure up to this ideal profile will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that much money. This is how companies can advertise the savings. That is why you absolutely need to get as many comparisons as possible. You cannot predict which insurance coverage company will give you the biggest savings on Honda Civic insurance.

Specific coverages for a Honda Civic

Understanding the coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, theft, hitting a deer and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Civic.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability – This provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, loss of income, bail bonds, structural damage and pain and suffering. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, chiropractic care, EMT expenses and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision – Collision insurance pays for damage to your Civic from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

In the end, you save

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced collision coverage only to discover later that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just presented many ways to compare 2014 Honda Civic insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

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