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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Looking for cheaper car insurance rates for your Honda Civic? There isn’t a single person who rejoices having to buy car insurance, especially when they are aware that it costs too dang much. Having so many companies to choose from, it is very difficult to pick the best car insurance company.

Consumers need to price shop coverage on a regular basis because insurance rates change quite often. Despite the fact that you may have had the best premium rates for Civic insurance six months ago the chances are good that you can find a lower price today. You can find a lot of information about car insurance online but you can learn some solid techniques on how to reduce your car insurance bill.

Buying car insurance is not rocket science. If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates while maintaining coverages. Drivers just need to understand the tricks to shop for insurance online.

How to get low cost auto insurance

Finding a better price on auto insurance doesn’t have to be difficult. Drivers just need to spend a few minutes comparing rates provided by online insurance companies. Shoppers can get rates using one of these methods.

  • The most efficient way to find low rates would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for a different quote to each individual auto insurance company. One quote request will get you price quotes instantly.
  • A more time consuming way to find lower rates is to take the time to go to each company website and repeat the quote process again and again. For example, we’ll assume you want to view quotes from State Farm, Progressive and American Family. You would have to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be certain you are entering apples-to-apples coverages for every quote you compare. If your comparisons have mixed coverages it will be nearly impossible to determine which rate is truly the best.

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

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Get lower rates by taking advantage of discounts

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few need to be inquired about before you will receive the discount.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies permit an accident before raising your premiums if you are claim-free prior to being involved in the accident.
  • E-sign Discounts – A few larger companies will give a small break for buying your policy on the internet.
  • Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for Civic insurance compared to rates paid by drivers with frequent claims.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Civic insurance with a few car insurance companies.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Telematics Discount – Drivers who elect to allow data collection to track where and when they drive by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase life insurance.
  • Military Rewards – Being deployed in the military may lower your premium rates slightly.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% off the personal injury premium cost.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

The best car insurance companies and the discounts they provide are detailed below.

  • American Family offers premium reductions for good driver, defensive driver, mySafetyValet, accident-free, Steer into Savings, and TimeAway discount.
  • Farm Bureau may have discounts that include renewal discount, youthful driver, driver training, multi-vehicle, and 55 and retired.
  • State Farm has discounts for defensive driving training, multiple policy, accident-free, good driver, and student away at school.
  • Travelers includes discounts for multi-policy, payment discounts, continuous insurance, driver training, and early quote.
  • The Hartford offers discounts including air bag, anti-theft, driver training, good student, and defensive driver.
  • GEICO offers discounts for multi-policy, emergency military deployment, defensive driver, driver training, daytime running lights, and anti-theft.
  • Progressive has savings for homeowner, multi-policy, online quote discount, multi-vehicle, and continuous coverage.

Check with each insurance company to apply every possible discount. Some of the discounts discussed earlier might not apply in your area. To view companies with the best car insurance discounts, click this link.

How much auto insurance do I need?

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What if I total my 2003 Honda Civic and owe more than it’s worth?
  • Am I covered when delivering products for my home-based business?
  • How much can I save by bundling my policies?
  • How do I insure my teen driver?
  • Am I covered when driving in Canada or Mexico?
  • How can I find cheaper teen driver insurance?
  • Which is better, split liability limits or combined limits?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, fire damage, hitting a deer and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like court costs, funeral expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses like funeral costs, ambulance fees, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay