2015 Honda Civic Insurance Cost – 8 Ideas for Best Prices

Are you sick and tired of paying out the nose to insure your Honda every month? You’re in the same situation as millions of other consumers. Insurance companies such as GEICO, 21st Century and Progressive constantly bombard you with fancy advertisements and it can be hard to separate fact from fiction and take the time to shop coverage around.

You should take the time to check car insurance prices before your policy renews because prices fluctuate regularly. Even if you think you had the best price on Civic insurance a few years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies such as State Farm, Allstate and GEICO give pricing on their websites. Obtaining pricing is quite simple as you simply type in the coverages you want into a form. After you submit the form the system gets your credit score and driving record and returns a price. Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this in order to find the lowest price.

There is a better way to compare rates

The smarter way to compare insurance coverage pricing uses one simple form to return rates from several companies at one time. The form is fast, requires less work, and makes price shopping online much easier. As soon as you send your information, it gets priced and you are able to buy any or none of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and can result in significant savings.

To quickly find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the limits and deductibles identical to your current policy. This makes sure you’re receiving rate comparison quotes using the same coverage and limits.

Do you qualify for a discount?

Car insurance companies don’t list all their discounts very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Memberships – Being a member of certain professional organizations may earn a discount when shopping for car insurance on Civic insurance.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

For a list of insurance companies with the best car insurance discounts, click here to view.

What coverages do I need?

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need roadside assistance coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I waive the damage coverage when renting a car?
  • How can I find cheaper teen driver insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I get collision insurance on every vehicle?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This coverage will pay to fix damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a building, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like structural damage, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for surgery, ambulance fees, funeral costs and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Honda Civic.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.