2008 Honda Civic Insurance Cost – 5 Savings Tips

Drivers have options when trying to find low-cost Honda Civic insurance. They can either waste time driving around trying to get quotes or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage for a new or used Honda and get the best price possible from both online companies and local agents.

It’s smart to compare rates occasionally since rates change regularly. Despite the fact that you may have had the lowest price on Civic coverage two years ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate the only way to reduce your cost while improving coverage.

Automobile Insurance Quotes

There are a variety of methods to compare 2008 Honda Civic car insurance quotes, but there is one way that is less time-consuming than others. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use online quotes for quick rates.

Many of the larger companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company returns a rated price based on that data. This saves time by eliminating quote requests for every car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly the insurers you want to price. If you wish to select from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using exactly the same quote information with every price quote. If you compare different limits and deductibles on each one then you won’t be able to make a fair comparison for your Honda Civic.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate and Progressive. They all make an identical promise of big savings after switching your coverage to them.

But how can every company make almost identical claims?

All the different companies have a preferred profile for the right customer they prefer to insure. For example, a desirable insured might be profiled as between 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet the “perfect” profile will have to pay higher premiums and ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully advertise the savings.

Because of the profiling, you need to get as many comparisons as possible. It’s just too difficult to predict which company will have the lowest Honda Civic insurance rates.

Don’t overlook these five discounts

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you get a quote, but some must be inquired about before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Civic coverage depending on your company.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Safety Course Discount – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.

It’s important to note that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

To see a list of companies who offer car insurance discounts, click here to view.

Is my situation unique?

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Do I need rental car coverage?
  • Is my Honda Civic covered if I use it for business?
  • Do I need an umbrella policy?
  • How do I buy GAP insurance?
  • How much liability insurance is required?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Specific coverage details

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2008 Honda Civic.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Collision protection

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

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, X-ray expenses, funeral costs, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, hitting a bird, hail damage and damage from flooding. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

People leave their current company for a number of reasons such as lack of trust in their agent, high prices, an unsatisfactory settlement offer and even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

Budget-conscious 2008 Honda Civic insurance can be found both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just showed you a lot of ways to shop for insurance online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with the smaller companies.

More tips and info about insurance coverage can be found in these articles: