View 2007 Honda Civic Insurance Quotes

Trying to find the cheapest insurance rates for your Honda Civic? Finding lower premiums on insurance can be challenging for consumers not familiar with shopping for insurance online. Consumers have so many options that it can be a lot of work to find lower rates.

It’s important to take a look at other company’s rates before your policy renews since rates are constantly changing. Despite the fact that you may have had the best deal on Civic insurance a couple years back the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about insurance because it’s time to teach you the best way to remove unneeded coverages and save money.

Compare Insurance Coverage Today

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. By far the easiest way to compare 2007 Honda Civic insurance prices is to perform an online rate comparison. This can be accomplished in several different ways.

  1. The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual insurance coverage company. In just a few minutes this one form will return price quotes from all major companies. This is by far the quickest method.
  2. A harder way to shop for insurance coverage online is to take the time to go to the website for each individual company and complete a new quote form. For example, we’ll pretend you want to compare rates from Allstate, Geico and Liberty Mutual. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The least recommended way to compare rates is to spend time driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed agents. However, consumers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

Which method you use is up to you, but compare apples-to-apples coverage information on every quote you get. If you use different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Slightly different coverages can make a big difference in price. Just keep in mind that comparing more company’s prices gives you a better chance of getting the best rates.

More discounts equal less premium

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.

  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Civic insurance.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Civic insurance depending on your company.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But any discount will reduce the cost of coverage.

Companies who might offer these benefits are:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not be available everywhere.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Who is covered when they drive my 2007 Honda Civic?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • Exactly who is provided coverage by my policy?
  • Does having multiple vehicles earn me a discount?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Honda Civic rates are in the details

It’s important that you understand the factors that help determine insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower insurance coverage prices.

  • Bump up deductibles to save – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your insurance coverage will be on Civic insurance.
  • Don’t buy coverages you don’t need – There are a lot of extra coverages that can waste your money when buying insurance coverage. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Your job and insurance rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations such as judges, executives and accountants tend to pay higher rates than average attributed to high stress levels and long work hours. On the flip side, jobs such as farmers, athletes and homemakers have the lowest average rates on Civic insurance.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • More claims means more premium – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies provide cheaper rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Rural vs Urban Areas – Residing in a rural area has it’s advantages when talking about insurance coverage. Urban drivers have congested traffic and longer commutes to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Poor credit can mean higher rates – A driver’s credit rating is a important factor in determining what you pay for insurance coverage. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. Therefore, if your credit score can use some improvement, you could pay less to insure your 2007 Honda Civic by improving your rating.
  • Having a spouse can save you money – Having a wife or husband actually saves money on your policy. Having a significant other usually means you are more mature and it’s statistically proven that drivers who are married are more cautious.

Coverage specifics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, EMT expenses, doctor visits, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Auto liability – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays for damage to your Civic caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, driving through your garage door, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from flooding, hitting a deer, damage from getting keyed, falling objects and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing

People change insurance companies for many reasons like high prices, delays in responding to claim requests, delays in paying claims or even being labeled a high risk driver. Whatever your reason, finding the right insurance provider is easier than you think.

We’ve covered many tips how you can compare 2007 Honda Civic insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the most savings is with a smaller regional carrier.

Discount insurance can be bought both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Much more information about insurance is located below: