View 2016 Honda Civic Car Insurance Cost

Drivers have a choice when trying to find affordable Honda Civic insurance. You can either waste hours driving around getting price quotes or use the internet to find the lowest rates.

There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to quote coverages for your Honda and find the cheapest rates either online or from local insurance agents.

It’s a great practice to compare prices before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the best rates on Civic coverage a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

Impacting insurance rates for a Honda Civic

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are some of the items that factor into prices.

  • Poor driving leads to higher costs – Good drivers receive lower rates than bad drivers. Even one ticket can increase rates twenty percent or more. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Frequent car insurance claims increase rates – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Companies provide discounts to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage is peace of mind – The liability section of your policy will protect you if you are found liable for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Certain discounts will be applied when you complete an application, but some must be requested specifically prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Student in College – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because owning a home is proof that your finances are in order.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Drive Less and Save – Fewer annual miles on your Honda can earn a substantially lower rate.

Consumers should know that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. But all discounts will help reduce your overall premium however.

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

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation may require specific advice.

  • Can I afford low physical damage deductibles?
  • Should I sign the liability waiver when renting a car?
  • What can I do if my company denied a claim?
  • Can I still get insurance after a DUI?
  • 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?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for things like X-ray expenses, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – Collision coverage covers damage to your Civic from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2016 Honda Civic.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages – Liability insurance will cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where consumers will sacrifice collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

Consumers leave their current company for any number of reasons including questionable increases in premium, unfair underwriting practices, extreme rates for teen drivers or even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

Throughout this article, we presented some good ideas how you can get a better price on 2016 Honda Civic insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

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