Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Want the cheapest car insurance rates for your Honda Civic? Trying to find the cheapest insurance for a Honda Civic could be a lot of work, but you can learn these tips to save time. There are more efficient ways to find car insurance online and you need to know the proper way to price shop coverage for a Honda and obtain the lowest price from both online companies and local agents.

Quote insurance online

All the larger insurance companies make it easy to get coverage prices on their websites. Doing online quotes is very simple because it’s just a matter of typing in your personal and coverage information into a form. After the form is submitted, the company’s rating system requests reports for credit and driving violations and quotes a price determined by many factors.

This makes it a lot easier to compare rates but the work required to visit several different sites and type in the same data is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find the best price possible.

There is an easier way!

A more efficient way to compare rates makes use of a single form that obtains quotes from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you type in coverages and limits as close as possible to your current policy. This guarantees you will have a price comparison for similar coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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These discounts can lower your insurance rates

Some insurance providers don’t always publicize every available discount in an easy-to-find place, so we break down a few of the more well known as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

  • Discount for Life Insurance – Companies who offer life insurance give a lower premium rate if you buy auto and life insurance together.
  • College Student Discount – College-age children who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on Civic coverage than less cautious drivers.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Libery Mutual, GEICO and Allstate may permit one accident before your rates go up with the catch being you have to be claim-free prior to the accident.

We need to note that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

If you would like to view insurance companies that offer many of these discounts, click here.

Different people need different car insurance coverages

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

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Which is better, split liability limits or combined limits?
  • Is business equipment covered while in my vehicle?
  • Who is covered by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is there coverage for injuries to my pets?
  • Is my state a no-fault state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

The Honda Civic insurance premium equation

Part of the car insurance buying process is learning a few of the rating criteria that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are more obscure such as your credit history or how financially stable you are.

  • Male costs may be higher – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that men are worse drivers. They both cause auto accidents at a similar rate, but men tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore pay the highest rates.
  • Why do you need liability insurance? – Your car insurance policy’s liability coverage will provide protection if you are determined to be liable for damages from an accident. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Better rates for being claim-free – If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Insurance companies give most affordable rates to insureds that do not abuse their auto insurance. Auto insurance is designed for the large, substantial claims.
  • Do thieves like your car? – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Single drivers take more risk – Having a spouse can get you a discount when shopping for car insurance. It is viewed as being more responsible and it’s statistically proven that drivers who are married file infrequent claims.
  • Cheaper rates by combining – Most insurance companies give better rates to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to ensure the best deal.
  • Occupation stress can make you pay more – Occupations such as doctors, social workers and emergency personnel tend to pay higher rates than the rest of us attributed to job stress and long work hours. Other occupations like professors, engineers and the unemployed pay the least on Civic coverage.
  • Policy lapses lead to higher car insurance rates – Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.

Enter your zip code below to view companies that have cheap auto insurance rates.

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But they said I’d save $445 a year!

Consumers can’t get away from ads that claim the best car insurance rates by State Farm, Allstate and GEICO. All the companies have a common claim about savings if you change to them.

How can each company make almost identical claims? You have to listen carefully.

Many companies are able to cherry pick for the type of customer that will most likely be profitable. For instance, this type of driver could possibly be a married male, insures multiple vehicles, and has a short commute. A customer getting a price quote who fits those characteristics will most likely get cheap prices and will cut their rates substantially.

Consumers who do not match these criteria will probably be forced to pay higher premiums and the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently make the claims of big savings. This emphasizes why it’s extremely important to get auto insurance quotes from several different companies. Because you never know which insurance company will have the best rates at this point in time.

Auto insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive protection – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, vandalism, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, pain and suffering, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, rehabilitation expenses, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – 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 can pay for things such as crashing into a ditch, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

Consumers leave their current company for many reasons like questionable increases in premium, policy cancellation, being labeled a high risk driver and even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Lower-priced insurance coverage is available online and from local insurance agents, and you need to price shop both to get a complete price analysis. A few companies don’t offer price quotes online and many times these regional carriers only sell through independent agents.

You just learned many ways to lower your 1991 Honda Civic insurance prices. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising.

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