How Much Does 2004 Honda Civic Car Insurance Cost?

Drivers have lots of choices when trying to find the lowest priced Honda Civic insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates. There are more efficient ways to find car insurance online and you need to know the absolute fastest way to get price quotes on a Honda and locate the cheapest rates from both online companies and local agents.

Buying car insurance is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Drivers just need to know the best way to shop their coverage around online.

Cut your insurance rates with discounts

Auto insurance companies don’t list every discount very clearly, so the following is a list of both the well known and also the lesser-known ways to save on insurance. If you’re not getting every credit available, you are throwing money away.

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Civic coverage.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts until age 25.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of providers who offer insurance discounts, click this link.

You are unique and your auto insurance should be too

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • What are the best liability limits?
  • What is no-fault insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads make the same claim about savings after switching your policy.

How can each company claim to save you money?

Different companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will be charged higher prices and ends up with business not being written. The ads say “people who switch” not “people who quote” save money. That’s why companies can make those claims. That is why drivers must get as many comparisons as possible. You cannot predict which company will fit your personal profile best.

Car insurance 101

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, legal defense fees, structural damage and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a bird, falling objects, a tree branch falling on your vehicle and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

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

Collision coverage protects against things like crashing into a building, sideswiping another vehicle, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

A tidy conclusion

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, high prices, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

In this article, we covered a lot of tips how to save on 2004 Honda Civic insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the most savings is with a small mutual company.

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