Lower Your 2009 Honda Civic Car Insurance Rates

Tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers. Many auto insurance companies compete for your business, so it’s not easy to compare every insurer and get the best coverage at the lowest cost out there.

You should take the time to shop coverage around quite often since insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on Civic coverage a few years ago you can probably find a lower rate today. There is a lot of wrong information about insurance online, so with this article, you’re going to get some proven techniques to buy insurance cheaper.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you purchase, but less common discounts must be asked for before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Own a Home – Owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Senior Citizens – Mature drivers may receive better car insurance rates on Civic coverage.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Civic coverage than drivers with accidents.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will bring down your premiums.

A partial list of companies that possibly offer these discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply everywhere.

Honda Civic rates are complex

It’s important that you understand the rating factors that help determine your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

The following are a partial list of the pieces that factor into your rates.

  • Being married is a good thing – Having a spouse can actually save you money when buying car insurance. Marriage is viewed as being more mature and it’s proven that being married results in fewer claims.
  • High deductibles save money – Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and windstorm damage. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Civic coverage.
  • Do you work long hours in a high stress job? – Careers like lawyers, architects and stock brokers tend to pay the highest rates because of stressful work requirements and long work days. On the other hand, jobs such as farmers, students and retirees have the lowest average rates on Civic coverage.
  • Never go without insurance – Driving without insurance can get your license suspended and car insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Policy add-ons can waste money – There are many add-on coverages that you can buy on your Civic policy. Coverages for roadside assistance, towing coverage and membership fees may be wasting your money. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Where do you drive? – Driving more miles each year the more you will pay for car insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. Improper usage on your Civic can cost quite a bit. Ask your agent if your car insurance coverage shows the proper vehicle usage.
  • Too many car insurance claims drive up costs – Insurance companies provide cheaper rates to policyholders who are claim-free. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is designed for the large, substantial claims.

Do I need special coverages?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • When should I remove comp and collision on my 2009 Honda Civic?
  • Do I need motorclub coverage?
  • Do I need roadside assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my insurance pay for OEM parts?
  • When should I buy a commercial auto policy?
  • Can I afford low physical damage deductibles?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as dental work, prosthetic devices, doctor visits, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed, hail damage, hitting a bird and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages – Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, medical services, pain and suffering and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

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

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Cheap 2009 Honda Civic insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We just covered a lot of ways to lower your insurance rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

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