2011 Honda Civic Car Insurance Quotes

Searching for the cheapest car insurance rates? Consumers have many options when looking for the lowest priced Honda Civic insurance. You can either waste hours calling around getting price quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to price shop coverage for your Honda and obtain the cheapest rates.

Consumers need to shop coverage around yearly because car insurance prices are constantly changing. If you had the best rate on Civic insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the easiest way to reduce your cost while increasing coverage.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but there may be some discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but occassionally some discounts must be requested specifically prior to receiving the credit.

  • Accident Waiver – This isn’t a discount exactly, but companies like Allstate and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Passive Restraints – Cars that have air bags or automatic seat belts could see savings of 25 to 30%.
  • Multiple Cars – Having all your vehicles with one company could earn a price break for each car.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with lower insurancerates on the low mileage vehicles.
  • Multi-policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft so companies will give you a small discount.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.

To locate providers offering insurance discounts, click here to view.

Insurance coverage is unique, just like you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • Are rock chip repairs covered?
  • Why do I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Does coverage extend to Mexico or Canada?
  • What if I total my 2011 Honda Civic and owe more than it’s worth?
  • Am I covered if I crash into my own garage door?
  • When can my company non-renew my policy?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from flooding and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2011 Honda Civic.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage pay for bills for chiropractic care, doctor visits and funeral costs. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Civic from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

A tidy conclusion

You just learned a lot of tips how to save on 2011 Honda Civic insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding the cheapest auto insurance. You may even find the most savings is with a small mutual company.

Cost effective 2011 Honda Civic insurance is attainable online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer online rate quotes and most of the time these regional insurance providers provide coverage only through independent insurance agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where an insured cut collision coverage only to find out that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

Additional information can be found at the links below