Cheaper 2008 Honda Civic Insurance Cost

Sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers. Having so many options when it comes to insurance, it is hard for the average consumer to find the most affordable provider.

Compare Insurance Costs

There are a variety of methods to shop for 2008 Honda Civic insurance, but there is one way that is more efficient than others. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Many companies participate in an industry program where prospective buyers complete one form, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for form submissions to each individual insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify which carriers you want to price. If you would rather choose from a list of companies to compare rates, we have assembled a list of companies who write insurance in your area. Click here to view list.

Whichever way you use, be sure to compare apples-to-apples coverages for every quote you compare. If you are comparing higher or lower deductibles you can’t possibly determine the lowest rate for your Honda Civic.

Are you falling for claims of savings?

Drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, Geico, Allstate and State Farm. They all make the same claim of big savings if you move your coverage to them.

How does each company say the same thing?

All companies have a certain “appetite” for the right customer that earns them a profit. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Drivers who don’t qualify for this ideal profile will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully state the savings. Because of the profiling, it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Honda Civic insurance.

Factors influencing Honda Civic insurance rates

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The following are a partial list of the pieces used by your company to calculate rates.

  • Multi-policy discounts can save money – Some companies give discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money.
  • Your job and insurance rates – Careers like judges, executives and stock brokers are shown to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, occupations such as pilots, students and retirees pay the least for Civic insurance.
  • Do you know you’re credit rating? – Having a bad credit rating is a large factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit. Therefore, if your credit can use some improvement, you could pay less to insure your 2008 Honda Civic by improving your credit score.
  • Pay less if you’re married – Being married helps lower the price on your policy. Having a significant other translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.

Best discounts on 2008 Honda Civic coverage

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find some of the best known as well as the least known ways to save on insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Own a Home – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Civic insurance.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.

Keep in mind that some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurance companies who offer insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • Does my insurance cover a custom paint job?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I rate my 2008 Honda Civic as pleasure use or commute?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Insurance specifics

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Collision protection

This coverage covers damage to your Civic caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. It does not 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 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, attorney fees, legal defense fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, dental work, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, theft, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

You can do this!

Discount 2008 Honda Civic insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, do not buy poor coverage just to save money. In too many instances, an accident victim reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford.

Much more information about auto insurance is located at the links below