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: Dec 4, 2017

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Searching for cheaper insurance coverage rates for your Honda Civic? Nobody likes having to buy insurance coverage, especially knowing they are paying too much. Because you have many online and local companies to choose from, it is hard for the average consumer to find the lowest price insurance coverage provider.

You should take the time to compare premium rates occasionally due to the fact that insurance prices are rarely the same from one policy term to another. If you had the lowest price on Civic coverage a few years ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the right way to find better coverage at a better price.

This article will instruct you on how to get online quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Vehicle owners just need to learn how to shop for car insurance on the web.

Compare insurance rates

Reducing your 2012 Honda Civic insurance rates doesn’t have to be difficult. All that’s required is to spend a little time getting comparison quotes to find out which insurance company has the cheapest insurance coverage quotes. It is quite easy and can be accomplished in several different ways.

  1. The fastest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for boring form submissions for every company. Just one form gets you price quotes from insurance companies with the best prices.
  2. A more time consuming way to compare prices is going to each company website to request a price quote. For sake of this example, let’s say you want to view quotes from Auto-Owners, Esurance and GEICO. You would have to go to each individual site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter identical coverages for each price quote. If you compare higher or lower deductibles it will be next to impossible to make a fair rate comparison.

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

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Take advantage of with these discounts

Some companies don’t always advertise every policy discount in a way that’s easy to find, so the list below contains some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

  • Homeowners Pay Less – Owning a house can get you a discount because maintaining a house is proof that your finances are in order.
  • Discount for Life Insurance – Some insurance carriers give a break if you buy some life insurance too.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • No Claim Discounts – Drivers who stay claim-free pay much less in comparison with insureds who have frequent claims or accidents.
  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • E-sign – Some of the larger companies will provide an incentive shop insurance coverage on their website.
  • Driver Safety – Taking a class that teaches driver safety techniques can save you 5% or more if you qualify.
  • Resident Student – who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get lower premium rates on Civic coverage.

It’s important to note that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce the amount you pay for coverage.

Larger car insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm includes discounts for Steer Clear safe driver discount, multiple autos, anti-theft, driver’s education, accident-free, and defensive driving training.
  • GEICO discounts include driver training, anti-theft, good student, multi-policy, and air bags.
  • SAFECO offers premium reductions for bundle discounts, drive less, accident prevention training, safe driver, anti-lock brakes, homeowner, and teen safety rewards.
  • Farmers Insurance may have discounts that include business and professional, mature driver, multi-car, early shopping, and homeowner.
  • AAA has discounts for AAA membership discount, education and occupation, good driver, pay-in-full, and anti-theft.
  • USAA offers discounts including vehicle storage, good student, loyalty savings, defensive driver, and new vehicle.

When comparing rates, check with every prospective company which discounts they offer. Some discounts may not apply in your area. To locate insurers who offer cheap car insurance quotes, follow this link.

Five factors that determine insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help calculate your premiums. When you understand what determines base rates, this enables you to make decisions that could result in better car insurance rates.

  • Lower stress equals lower car insurance rates – Occupations such as military personnel, business owners and dentists tend to pay higher average rates in part from high stress levels and long work days. On the other hand, careers like farmers, students and homemakers receive lower rates on Civic coverage.
  • Save money by raising comp and collision deductibles – Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your Honda. A few examples of covered claims are a dented fender, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage define the amount you are required to spend if a covered claim is submitted. The more of the claim the insured is willing to pay, the less your company will charge you for insurance on Civic coverage.
  • Always have car insurance – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance will get you a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Combine policies and save money – Lots of companies provide better rates to insureds that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to verify if the discount is saving money. Consumers may find better rates by buying from different companies
  • Where you live – Being located in less populated areas has definite advantages when buying car insurance. People who live in big cities have to deal with more traffic problems and more time behind the wheel. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Should I put collision coverage on all my vehicles?
  • Who is covered by my policy?
  • Does coverage extend to Mexico or Canada?
  • Does my insurance cover my expensive audio equipment?
  • When would I need rental car insurance?
  • What is the rate difference between pleasure use and commuting?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I insured when driving a different vehicle?
  • What happens if I owe more than my 2012 Honda Civic is worth?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

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

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Insurance advertising tricks

Consumers can’t get away from all the ads for insurance coverage savings by GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you just switch to them.

That’s great but how can every company sell you cheaper insurance coverage? This is how they do it.

Different companies have underwriting criteria for the type of driver that will not have excessive claims. An example of this type of driver should be a female over age 40, has never had a claim, and has excellent credit. Any customer that hits that “sweet spot” will get the preferred premium rates as well as save some money.

Drivers who cannot meet the “perfect” profile may be required to pay higher premiums which results in business not being written. Company advertisements say “people that switch” but not “all drivers who get quotes” save that much. That’s the way companies can lure you into getting a quote.

Different companies use different criteria so drivers must do a quote comparison often. It is just not possible to predict with any certainty which company will give you lower premium rates than your current company.

Car insurance coverage information

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, dental work, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This will pay to fix damage to your Civic resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox, driving through your garage door, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.


Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, hitting a bird, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Save for a rainy day

When you buy insurance coverage online, never skimp on critical coverages to save a buck or two. In many cases, someone dropped physical damage coverage and learned later that the small savings ended up costing them much more. Your goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

Cheap 2012 Honda Civic insurance can be sourced from both online companies as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and these regional insurance providers prefer to sell through independent agencies.

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