How Much Does 2015 Honda Civic Insurance Cost?

Scraping up a payment for overpriced Honda Civic insurance can drain your personal savings, especially in this economy. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Companies like Allstate, Liberty Mutual and State Farm all claim big savings with ad campaigns and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Buying car insurance is not that difficult. Vehicle owners only need to know the best way to compare company rates over the internet.

Factors determining your Honda Civic insurance premium

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • With age comes lower rates – Mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Young drivers have a tendency to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Never let your coverage lapse – Having an insurance coverage lapse is a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.
  • Lower miles equals lower premium – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage coverage shows the proper vehicle usage. Incorrect usage on your Civic may be costing you.
  • Policy add-ons can waste money – There are many additional coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and additional equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at quote time, but some may not be applied and must be asked for before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on your policy on Civic coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums on Civic coverage.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Civic coverage with a few insurance coverage companies.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

To see a list of companies with the best insurance coverage discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is high-risk coverage and where do I buy it?
  • If I drive on a suspended license am I covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverages for a Honda Civic

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Collision protection

Collision coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for funeral costs, ambulance fees, prosthetic devices, surgery and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, fire damage and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. 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. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses, emergency aid, court costs and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Be a smart shopper

Cost effective 2015 Honda Civic insurance can be found on the web as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented many ways to shop for insurance online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

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