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 18, 2017

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Looking for the cheapest auto insurance rates? Shoppers have options when shopping for the best price on Honda Civic insurance. You can either spend your time calling around trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to price shop coverage on a Honda and get the lowest possible price either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Drivers just need to understand how to compare rates online.

Lower rate quotes with these car insurance discounts

Car insurance is neither fun to buy or cheap, but there may be some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be specifically requested prior to getting the savings. If you are not receiving all the discounts available, you could be getting lower rates.

  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
  • Waiver for an Accident – Not really a discount, but companies like Progressive, State Farm and GEICO will allow you to have one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Civic insurance depending on your company.
  • Driver Safety – Participating in a course in defensive driver could cut 5% off your bill if your company offers it.
  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Discount for Swiching Early – A few larger companies allow discounts for buying a new policy early. This can save 10% or more.
  • Cautious Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Civic insurance compared to accident prone drivers.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you can get free auto insurance, you’re out of luck. But any discount will help reduce your premiums.

For a list of insurance companies who offer cheap car insurance quotes, follow this link.

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

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Car insurance can get complicated

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • When does my teenage driver need to be added to my policy?
  • Will filing a claim cost me more?
  • I have health insurance so do I need medical payments coverage?
  • Who is covered when they drive my 2008 Honda Civic?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like hospital visits, chiropractic care, X-ray expenses, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, emergency aid, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes. Lower rates.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut physical damage coverage only to regret they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

There are still a few companies who may not provide rate quotes online smaller providers sell through local independent agencies. Budget-conscious 2008 Honda Civic insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

In this article, we covered a lot of information how to compare 2008 Honda Civic insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest prices come from a lesser-known regional company.

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