Compare 2016 Honda Civic Insurance Cost

Trying to find better auto insurance rates? Buyers have options when searching for low-cost Honda Civic insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to get price quotes for your Honda and get the cheapest rates from both online companies and local agents.

Smart consumers take time to compare prices at least once a year because insurance rates are usually higher with each renewal. Even if you got the lowest rates on Civic coverage last year a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in how to use the internet to find lower rates on auto insurance.

Low Cost Insurance Coverage

Finding a better price on insurance coverage is actually quite simple. Drivers just need to invest a few minutes to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The first (and easiest) way to get quotes for comparison is a comparison rater form like this one (opens in new window). This form saves time by eliminating boring form submissions to each individual insurance coverage company. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
A slightly less efficient method to compare rate quotes consists of going to each company’s website to request a price quote. For instance, let’s assume you want to compare rates from Nationwide, Farmers and GEICO. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular.
To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage information for every company. If you use different deductibles you will not be able to truly determine the lowest rate.

Save money by taking advantage of these discounts

Auto insurance companies don’t always publicize all available discounts very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.

Homeowners Discount – Owning a house can save you money because maintaining a house demonstrates responsibility.
Fewer Miles Equal More Savings – Keeping the miles down on your Honda can earn lower rates on the low mileage vehicles.
Military Discounts – Having a deployed family member could mean lower rates.
Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Civic coverage than their less cautious counterparts.
Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
Organization Discounts – Belonging to certain professional organizations could trigger savings when buying auto insurance on Civic coverage.
Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.

Drivers should understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that possibly offer some of the above discounts include:

Double check with every prospective company which discounts you may be entitled to. Savings may not apply in every state.

When should I use an insurance agent?

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

Am I covered if I crash into my own garage door?
Do I need replacement cost coverage on my 2016 Honda Civic?
Can I get a multi-policy discount for packaging my home and auto coverage?
Are rental cars covered under my policy?
Is my vehicle covered by my employer’s policy when using it for work?
Is a fancy paint job covered?
What is roadside assistance coverage?
Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Honda Civic.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, ambulance fees, nursing services, funeral costs and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a bird, vandalism and hail damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Civic from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.