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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 27, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Having to pay for pricey Honda Civic insurance can diminish your budget, especially in this economy. Price shopping at each renewal is an excellent way to slash your bill and have more diposable income.

Consumers have multiple auto insurance companies to pick from, and although it’s nice to have a selection, it can be more difficult to locate the cheapest rates.

Which car insurance is cheapest?

Many insurance companies such as GEICO, State Farm and Progressive allow consumers to get insurance quotes on their websites. The process is very simple because you just enter the coverages you want as detailed in the form. When the form is submitted, the quote system gets your driving record and credit report and generates a price based on the information you submitted. Online price quotes makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively type in the same information is a big time waster. But it’s very important to get many rate quotes if you want to get a lower rate.

A less time-consuming method to locate the lowest prices uses one simple form to get prices from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much simpler. Once the form is submitted, your coverage is rated and you can select your choice of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To compare rates using this form now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits identical to your current policy. This ensures you are getting a fair comparison based on the exact same insurance coverage.

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

secured lock Secured with SHA-256 Encryption

Take advantage of with these discounts

Not many people think insurance is cheap, but you may be missing some discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be specially asked for prior to getting the savings.

  • Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction on Civic insurance depending on your company.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Driving Data Discount – People who choose to allow data collection to monitor where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
  • Memberships – Joining certain professional organizations can get you a small discount on auto insurance.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. But all discounts should definitely cut the cost of your policy.

A few companies that may include some of the discounts shown above include:

If you are trying to find low cost insurance coverage quotes, ask each company how many discounts you can get. Some discounts might not be offered in every state. To find providers who offer free auto insurance quotes, click this link.

Your situation helps dictate your coverage

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether you would benefit from professional advice.

  • Can I rent a car in Mexico?
  • Should I waive the damage coverage when renting a car?
  • Is my teen driver covered when they drive my company car?
  • Do I need rental car coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a fancy paint job covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

What insurance coverages do you need?

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, X-ray expenses, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

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

Collision insurance covers things like hitting a mailbox, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.