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Honda Civic Insurance Quotes

Finding cheaper auto insurance from online rate quotes can be fast and easy and at the same time you will probably save money. The most important part is to compare rates from all companies in order to accurately compare every company's rates.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies competing for your business. Getting lower Civic insurance cost doesn't have to be difficult. The only thing you need to do is invest a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Insurance rates on a Honda Civic will vary greatly depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Your credit history
  • The size of your community
  • The number of annual miles
  • Male rates may be higher
  • The deductible you choose
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Honda is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them will push premiums up. Although newer vehicles may have options included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Coverage for collisions

This covers damage to your Honda resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Civic can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Civic insurance quotes.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are Honda Civic Insurance Rates?