Cheaper 2010 Honda Civic Car Insurance Rates

Want lower insurance coverage rates for your Honda Civic? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you there are lots of people in the same boat. Popular companies such as State Farm and GEICO increase brand awareness with TV and radio ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

It’s a good habit to compare rates quite often since insurance rates fluctuate regularly. Just because you found the best price on Civic coverage a few years ago you can probably find a better price now. You can find a lot of misleading information regarding insurance coverage online but by reading this article, you’re going to learn some excellent ideas to save money.

Don’t pay full price with these discounts

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Own a Home – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Resident Student – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.

Consumers should know that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

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

Your personal situation dictates your coverage

When buying the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Do I pay less for low miles?
  • What is medical payments coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What if I total my 2010 Honda Civic and owe more than it’s worth?
  • Is other people’s property covered if stolen from my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • How can I get high-risk coverage after a DUI?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance specifics

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers 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.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, medical services, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding 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 protects against things like colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for things like chiropractic care, EMT expenses, surgery and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for things like vandalism, hail damage and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop Smart and Save

In this article, we presented a lot of ways to get a better price on 2010 Honda Civic insurance. The key concept to understand is the more you quote, the better your comparison will be. You may even find the lowest rates come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Lower-priced insurance can be found both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance coverage companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

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