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 the cheapest car insurance rates for your Honda Civic? Saving money on Driverscar insurance is very difficult for people who are new to online comparison shopping. With such a large number of agents and insurers to choose from, it can be a ton of work to find the perfect company for you.

If you have car insurance now, you should be able to reduce your rates substantially using this information. Finding cheaper protection is simple if you know the tricks. Although vehicle owners can benefit by having an understanding of how big insurance companies price online insurance and use this information to your advantage.

Insurance companies offer many types of discounts

Some providers don’t list every available discount in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous credits that may apply to you.

  • Telematics Data Discounts – Drivers that enable their company to track their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
  • Own a Home – Owning a house may trigger a policy discount on insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Driver Training Discounts – Passing a defensive driver course can save you 5% or more and also improve your driving technique.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Drive Less and Save – Maintaining low annual mileage can earn lower premium rates due to less chance of an accident.
  • College Student – living away from home attending college without a vehicle on campus could qualify for this discount.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of approximately 10% to 15%.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free insurance policy, insurance companies aren’t that generous.

Car insurance companies that may offer quotes with most of these discounts include:

If you need lower rates, check with every prospective company to give you their best rates. Some credits may not be offered in every state.

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

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Why you might pay lower rates

Many factors are considered when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other criteria are not as apparent like your continuous coverage or how financially stable you are.The best way to find cheaper insurance is to take a look at some of the elements that go into determining insurance rates. If you have a feel for what determines base rates, this helps enable you to make changes that can earn you better insurance rates.

The items below are a few of the “ingredients” insurance companies consider when setting prices.

  • Get hitched and get cheaper prices – Getting married can actually save you money when buying insurance. Marriage is viewed as being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Use but don’t abuse your insurance – Car insurance companies give cheaper rates to drivers who only file infrequent claims. If you are a frequent claim filer, you can look forward to higher rates. Your car insurance is intended for claims that pose a financial burden.
  • Prevent your car from being stolen – Choosing a vehicle with a theft deterrent system can save you a little every year. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
  • Use credit responsibly and save – Credit rating can be a huge factor in your rate calculation. Drivers who have high credit scores tend to be more responsible than those with lower credit scores. If your credit history can use some improvement, you may save money insuring your 2007 Honda Civic if you clean up your credit.
  • Incidental coverages you don’t use – Insurance companies have many additional coverages that may not really be needed but may not be useful. Coverages for vanishing deductibles, towing coverage, and motor club memberships may be wasting your money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • Gender impacts rates – Statistics have proven that women are safer drivers than men. However, don’t assume that females are better drivers. Men and women cause auto accidents in similar numbers, but males have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.
  • Where do you drive? – Driving more miles in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that do not get driven very much receive better premium rates than those used for commuting. A policy that improperly rates your Civic may be wasting your money. It’s always a good idea to double check that your insurance policy shows the correct driver usage.
  • Age of drivers impacts prices – Older insureds are more responsible, are lower risk to insure and receive fewer citations.Teenage drivers have been known to be inattentive when behind the wheel so they pay higher insurance rates.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I insure my teen driver?
  • Is my camper covered by my car insurance policy?
  • Is my babysitter covered when using my vehicle?
  • How can I force my company to pay a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Is extra glass coverage worth it?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance ads are enticing

State Farm, Allstate and GEICO regularly use television and radio advertisements. All the companies state the claim that you’ll save big if you move to their company. How is it possible that every company can save you money? It’s all in the numbers.

All companies look for specific characteristics for the type of driver that will add to their bottom line. A good example of a profitable customer might have to be between 30 and 50, has a low-risk occupation, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and will pay quite a bit less when switching companies.

Drivers who do not fit these criteria may be forced to pay a higher rate and the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can make those claims.

This really emphasizes why drivers must compare free auto insurance quotes often. It’s just not possible to know with any certainty which company will be your best fit.

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

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Specifics of your insurance policy

Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses such as X-ray expenses, rehabilitation expenses, chiropractic care and surgery. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, vandalism and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages – This protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, funeral expenses, legal defense fees, structural damage and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Civic.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

In any little way, save everyday

We just presented many ideas to shop for 2007 Honda Civic insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with the least-expected company.

Drivers switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, delays in paying claims and even not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider is pretty simple and you could end up saving a buck or two.

Budget-conscious 2007 Honda Civic insurance can be bought from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some companies do not provide rate quotes online and many times these regional insurance providers only sell through independent agents.

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