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: Aug 25, 2018

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Trying to find lower auto insurance rates? Buyers have lots of choices when searching for affordable Honda Civic insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to buy auto insurance so we’re going to tell you the best way to compare rates for a Honda and locate the cheapest rates from both online companies and local agents.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to learn the proper way to compare price quotes on the web.

Lower-cost insurance quotes with discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not know about. Certain reductions will be credited when you quote, but a few must be specifically requested before they will apply.

  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Low Mileage – Low mileage vehicles may enable drivers to earn lower prices due to less chance of an accident.
  • Good Student – This discount may save as much as 25% on a auto insurance quote. The good student discount can last up until you turn 25.
  • Waiver for an Accident – Not a discount per se, but a handful of insurance companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of 25 to 30%.
  • Telematics Devices – People who choose to allow driving data collection to monitor driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
  • Responsible Driver Discounts – Accident-free drivers could pay up to 40% less for Civic insurance than drivers with accident claims.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted insurance rate on car insurance if you buy a life insurance policy as well.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of insurance companies and their possible discounts can be read below.

  • Progressive offers premium reductions for multi-policy, good student, online quote discount, online signing, and homeowner.
  • Farmers Insurance offers discounts including good student, electronic funds transfer, multi-car, pay in full, homeowner, mature driver, and alternative fuel.
  • Farm Bureau may offer discounts for youthful driver, good student, 55 and retired, multi-vehicle, driver training, and safe driver.
  • State Farm discounts include multiple policy, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and passive restraint.
  • GEICO may include discounts for seat belt use, five-year accident-free, multi-vehicle, anti-lock brakes, driver training, and defensive driver.
  • SAFECO policyholders can earn discounts including homeowner, teen safe driver, accident prevention training, anti-theft, anti-lock brakes, teen safety rewards, and bundle discounts.
  • Liberty Mutual has discounts for good student, safety features, teen driver discount, multi-car, and multi-policy.

If you want low cost auto insurance quotes, ask every prospective company which discounts they offer. Depending on the company, some discounts might not be offered on policies in your area.

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

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Tailor your auto insurance coverage to you

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether you would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will my insurance pay for OEM parts?
  • How can I force my company to pay a claim?
  • Should I have combined single limit or split liability limits?
  • If I drive on a suspended license am I covered?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. This coverage 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as court costs, structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, falling objects, theft, hitting a bird and damage from flooding. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage 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 can pay for claims such as driving through your garage door, scraping a guard rail, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, chiropractic care and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

More quotes. Lower rates.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, high rates after DUI convictions or unfair underwriting practices. No matter why you want to switch, finding a new company can be less work than you think.

As you quote auto insurance, make sure you don’t skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Discount 2000 Honda Civic insurance is possible both online and from local insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some companies may not provide internet price quotes and many times these regional insurance providers only sell through local independent agents.

For more information, feel free to browse the resources below: