Compare 2005 Honda Civic Car Insurance Rates

Looking for lower car insurance rates for your Honda Civic? When shopping for more affordable insurance, are you confused by the dozens of car insurance choices? You have so many choices to choose from that it can turn into more work than you anticipated to lower your rates.

Ways to get car insurance quotes

Most companies allow consumers to get price estimates on the web. Comparing prices online is fairly straightforward as you simply type in the coverage amounts you desire into a form. When the form is submitted, the system makes automated requests for your driving record and credit report and quotes a price determined by many factors.

Online price estimates makes it easy to compare insurance prices but the work required to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you want to find better prices.

The easiest way to find better car insurance pricing uses one simple form that gets prices from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable. After your information is entered, it is rated and you can choose your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you input the insurance coverages as shown on your current policy. Doing this assures you will be getting comparison quotes for similar coverage.

Find Honda Civic insurance cheaper

Smart consumers have a good feel for some of the things that play a part in calculating the price you pay for auto insurance. If you know what determines base rates, this enables informed choices that may result in big savings.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rate level.

  • High premiums for teen drivers – Older people are proven to be safer behind the wheel, are lower risk to insure .Inexperience drivers have been known to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates.
  • Job stress can affect rates – Did you know your auto insurance rates can be affected by your occupation? Careers such as military personnel, social workers and medical professionals tend to pay the highest average rates in part from high stress and lots of time spent away from family. On the flip side, careers such as professors, athletes and performers receive lower rates for Civic coverage.
  • Being married can save you money – Having a spouse helps lower the price when buying auto insurance. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Pay more by driving carelessly – Attentive drivers pay less for auto insurance than people who have multiple driving citations. Even a single speeding ticket or other violation can bump up the cost substantially. Drivers who have gotten flagrant citations such as DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.

Cheaper rates with discounts

Companies that sell car insurance don’t list every discount very clearly, so below is a list a few of the more well known and the harder-to-find ways to save on insurance.

  • ABS Brakes – Cars with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • One Accident Forgiven – Not a discount per se, but a handful of insurance companies will let one accident slide without raising rates if you have no claims for a certain period of time.
  • Good Student Discount – A discount for being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Driver Education Discount – Require your teen driver to successfully complete driver’s ed class in high school.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda could qualify for cheaper premium rates.
  • Auto/Life Discount – Some companies give a small discount if you purchase a life policy as well.
  • Discounts for Safe Drivers – Safe drivers can save as much as half off their rates for Civic coverage than drivers with accidents.

Discounts lower rates, but most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

Larger insurance companies and a selection of discounts are detailed below.

  • Progressive may include discounts for multi-policy, good student, homeowner, continuous coverage, online quote discount, online signing, and multi-vehicle.
  • MetLife may have discounts that include defensive driver, good student, accident-free, good driver, and claim-free.
  • Mercury Insurance offers discounts including anti-theft, multi-policy, low natural disaster claims, type of vehicle, professional/association, and good driver.
  • Nationwide policyholders can earn discounts including family plan, accident-free, easy pay, multi-policy, business or organization, Farm Bureau membership, and defensive driving.
  • GEICO has savings for anti-lock brakes, seat belt use, defensive driver, five-year accident-free, anti-theft, multi-vehicle, and driver training.
  • AAA discounts include good student, multi-policy, AAA membership discount, pay-in-full, anti-theft, and good driver.

When quoting, ask every company how you can save money. A few discounts may not apply in your area. For a list of companies who offer cheap insurance quotes, click here.

What is the best auto insurance coverage?

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy only the required minimum liability coverage?
  • What if I owe more than I can insure my car for?
  • Is rental equipment covered for theft or damage?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, doctor visits, X-ray expenses, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability – Liability coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, backing into a parked car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Honda Civic.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart consumers save more

Some companies do not offer internet price quotes and these regional carriers only sell coverage through independent agents. Cost effective 2005 Honda Civic insurance is definitely available online and from local insurance agents, so you should compare both to have the best selection.

We just presented a lot of techniques to lower your 2005 Honda Civic insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding affordable car insurance. Consumers may even find the lowest rates are with a lesser-known regional company.

Consumers change insurance companies for a number of reasons such as policy cancellation, high prices, unfair underwriting practices or denial of a claim. No matter why you want to switch, choosing a new insurance company can be less work than you think.

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