Cheap 2004 Honda Civic Insurance Quotes
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UPDATED: Aug 7, 2018
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Locating cheaper insurance for a new or used Honda Civic can be a lot of work, but you can use these tips to save time. There is a better way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a Honda and locate the best price possible from local insurance agents and online providers.
Save money with these discounts
Companies don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known discounts that may be available.
- Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Civic insurance as compared to drivers with claims.
- Resident Student – Kids who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
- Clubs and Organizations – Affiliation with qualifying employment or professional organizations may earn a discount when getting a auto insurance quote.
- Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will positively reduce the cost of coverage.
To locate providers who offer insurance discounts, click here.
The method we recommend to get policy rate comparisons utilizes the fact most insurance companies will pay a fee to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information like how many miles driven, what you do for a living, how much education you have, and if you are currently licensed. That rating information is instantly provided to multiple top-rated companies and they respond with quotes quickly.
To find the cheapest 2004 Honda Civic insurance rates, click here and enter your zip code.
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Insurance can be complex
When buying the best insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Does my medical payments coverage pay my health insurance deductible?
- What is covered by UM/UIM coverage?
- Why does it cost so much to insure a teen driver?
- Am I covered if I hit a deer?
- Does having multiple vehicles earn me a discount?
- What is an SR-22 filing?
- Am I covered when pulling a rental trailer?
- Should I get collision insurance on every vehicle?
- Does my insurance cover my expensive audio equipment?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverage will pay to fix damage to your Civic from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, pain medications, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability auto insurance
Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things like loss of income, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Make an honest buck
Consumers switch companies for many reasons like not issuing a premium refund, denial of a claim, poor customer service or even extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is easier than you think.
You just read some good ideas how you can compare 2004 Honda Civic insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even discover the lowest priced auto insurance comes from a small local company.
Cheaper auto insurance can be purchased both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies may not have price quotes online and these small, regional companies provide coverage only through local independent agents.
For more information, link through to the following helpful articles:
- Comprehensive Coverage (Liberty Mutual)
- Who Has the Cheapest Auto Insurance for a Honda Civic in Santa Ana? (SantaAnaCoverage.com)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Vehicle Size and Weight FAQ (iihs.org)
- Auto Insurance 101 (About.com)