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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Trying to find cheaper auto insurance rates? Buyers have a choice when searching for affordable Honda Civic insurance. You can either spend your time calling around to compare prices or use the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a new or used Honda and find the lowest possible price.

You should take the time to quote other rates occasionally because prices are rarely the same from one policy term to another. If you had the lowest price on Civic coverage a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to show you the proper way to remove unneeded coverages and save money.

These discounts can reduce insurance rates

Some insurers don’t always advertise every disount available very well, so we researched both the well known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Student Driver Training – Teen drivers should sucessfully take a drivers education course in school.
  • Payment Method – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Switch and Save Discount – Some companies provide a discount for switching to them before your current policy expires. This can save 10% or more.
  • Auto/Life Discount – Larger insurance companies have a small discount if you purchase a life policy as well.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance with the same company you may earn at least 10% off all policies.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up on your computer.
  • Active Service Discounts – Having a deployed family member could qualify you for better prices.

As a footnote on discounts, most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To choose insurance companies who offer free insurance quotes, click here.

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

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Shop car insurance online

Many insurance companies give prices on their websites. The process is easy for anyone because you just enter the coverage amounts you desire into the form. After you submit the form the quote system automatically orders information on your driving record and credit history and gives you a price quote.

Being able to quote online makes comparing rates easy, but the work required to visit different websites and type in the same information is a waste of time. But it’s absolutely necessary to do this if you want to get lower prices.

The easiest way to compare rates requires only one form that obtains quotes from several companies at one time. It saves time, requires less work, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you are able to buy any or none of the pricing results.

If a lower price is quoted, you can click and sign and purchase the new policy. This process takes just a few minutes to complete and could lower your rates considerably.

To compare pricing, click here and submit your coverage information. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. This guarantees you’re receiving a rate comparison based on similar coverages.

How insurance providers determine Honda Civic insurance rates

Part of the insurance buying process is learning some of the elements that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in better insurance rates. Many things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are more obscure such as whether you are married or your financial responsibility.

  • Safer cars mean better insurance rates – Cars with high safety ratings tend to be cheaper to insure. These vehicles reduce injuries and fewer serious injuries translates directly to fewer claims which can result in lower premiums.
  • Marriage can lower rates – Having a spouse can actually save you money on your policy. It means you’re more mature and statistics show married couples file fewer claims.
  • You might want pay the minor policy claims yourself – Auto insurance companies generally give most affordable rates to people who are claim-free. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for more catestrophic claims.
  • Accidents inflate costs – Careful drivers pay less for auto insurance compared to bad drivers. Having just one speeding ticket or other violation can boost insurance rates to the point where it’s not affordable. Drivers unfortunate enough to have multiple violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.

When do I need an agent’s advice?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Are rental cars covered under my policy?
  • How does medical payments coverage work?
  • I don’t drive much so do I pay less?
  • Does having multiple vehicles earn me a discount?
  • Do I need PIP coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • Am I covered when driving someone else’s vehicle?
  • Can I drive in Mexico and have coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer 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 is quick, free and can provide invaluable advice.

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

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Insurance myths debunked

Consumers can’t ignore all the ads that claim the best rates from companies such as Progressive, Allstate and GEICO. All the companies make the point about how much you will save if you switch to their company.

How is it plausible that every one can charge you less for car insurance? This is the way they can do it.

Different companies have strict underwriting profiles for the type of customer that will not have excessive claims. For example, this type of risk profile should be between the ages of 30 and 45, has had continuous coverage, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get low car insurance rates and will save quite a bit of money when switching.

Potential customers who fall short of these stringent criteria must pay higher premium rates which translates to the customer buying from someone else. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can make claims like that.

This really emphasizes why you absolutely need to compare free car insurance quotes often. It is impossible to predict the company that will provide the lowest car insurance rates.

Specific coverages for a Honda Civic

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as pain medications, funeral costs, EMT expenses, surgery and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Civic.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – This coverage pays for damage to your Civic resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, a tree branch falling on your vehicle, damage from flooding, hail damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

A few companies do not provide online quoting and many times these smaller providers only sell coverage through independent insurance agencies. Cheaper insurance coverage is definitely available on the web in addition to local insurance agencies, and you need to price shop both to have the best rate selection.

Throughout this article, we presented a lot of tips how to compare 2002 Honda Civic insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier.

Even more information is available in the articles below: