Save on 2012 Honda Civic Car Insurance Rates

Searching for cheaper insurance rates for your Honda Civic? Consumers who are new to comparing insurance rates online could find buying cut-rate insurance nearly impossible.

If you are paying for car insurance now, you should be able to save some money using these tips. This article will tell you how car insurance quotes work and some money-saving tips. But vehicle owners can benefit by having an understanding of the way insurance companies compete online and use this information to your advantage.

Do you qualify for a discount?

Companies do not list all available discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find insurance savings.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Civic coverage than drivers with accidents.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Bundle and Save – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Driver Safety – Taking part in a driver safety course could save 5% or more if you qualify.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

It’s important to understand that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

For a list of providers with the best insurance discounts, click this link.

The best way we recommend to compare car insurance rates is to take advantage of the fact most insurance companies pay for the opportunity to give free rates quotes. To get started, all you need to do is provide a small amount of information such as coverage limits, any included safety features, your credit rating estimate, and distance driven. Your insurance information is instantly sent to insurance companies and you will receive price estimates quickly.

Parts of the Honda Civic rate equation

It’s important that you understand the factors that go into determining the price you pay for insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are some of the items insurance companies consider when setting rates.

  • Marriage pays dividends – Being married can get you a discount on insurance. Marriage translates into being more mature it has been statistically shown that married drivers get in fewer accidents.
  • Pleasure use saves money – The more you drive every year the higher your rate. The majority of insurers charge to insure your cars based on their usage. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy shows the correct driver usage. If your policy improperly rates your Civic can result in significantly higher rates.
  • Lower rates come with age – Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Youthful drivers are statistically proven to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Tickets mean higher rates – Even a single ticket can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Honda earned at least four stars on Safercar.gov it is probably cheaper to insure.

What coverages do I need?

When choosing the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Do all my vehicles need collision coverage?
  • Is extra glass coverage worth it?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when pulling a rental trailer?
  • Can I afford to buy a different vehicle if my 2012 Honda Civic is totaled?
  • Who is covered when they drive my 2012 Honda Civic?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I crash into my own garage door?
  • What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Beware of misleading auto insurance ads

Allstate, Geico and Progressive consistently run television and radio advertisements. All the companies make an identical promise of big savings if you change to their company. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For example, a preferred risk could be a mature driver, a clean driving record, and has great credit. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who don’t meet the requirements will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully claim big savings. Because of the profiling, you should get quotes from several different companies. You cannot predict which insurance companies will have the lowest Honda Civic insurance rates.

Auto insurance 101

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage – This coverage can cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, medical services, attorney fees and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

UM/UIM Coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, ambulance fees, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote often and quote early

We covered some good ideas how to compare 2012 Honda Civic insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.

People change insurance companies for many reasons like policy non-renewal, high rates after DUI convictions, denial of a claim or even lack of trust in their agent. No matter why you want to switch, finding a new company is actually quite simple.

As you prepare to switch companies, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

To read more, feel free to browse the articles below: