View 2013 Honda Civic Car Insurance Quotes
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UPDATED: Nov 5, 2017
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Searching for cheaper insurance rates for your Honda Civic? If you’ve never shopped for car insurance quotes online, most likely you are baffled thanks to all the different types local agents and online companies all claiming to save you money.
The purpose of this article is to teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Although drivers do need to know the way insurance companies compete online and apply this information to your search.
Lower your insurance rates
Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as your driving history, but other criteria are more obscure such as your credit history or your financial responsibility.
The list below includes some of the things used by insurance companies to determine your rates.
- Rural vs Urban Areas – Being located in small towns and rural areas can be a good thing when buying auto insurance. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates. People in densly populated areas have more traffic problems and higher rates of accident claims. Higher commute times means a statistically higher chance of an accident.
- Never let your auto insurance policy lapse – Driving without insurance coverage in place is against the law and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could result in fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
- Youthful driver insurance prices – Older people are more cautious drivers, tend to cause fewer accidents and are safer drivers.Young drivers are statistically shown to be more careless when behind the wheel therefore auto insurance rates are much higher.
- Discounts for multiple policies – Many companies give lower prices for people who buy several policies from them. It’s known as a multi-policy discount. The discount can be ten percent or more. Even with this discount, consumers should still shop around to help guarantee you have the best rates.
- Your car’s features help determine rates – Buying a car with a theft deterrent system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
- Don’t abuse auto insurance claims – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Insurance companies generally give discounts to people who do not rely on their insurance for small claims. Your insurance policy is designed for the large, substantial claims.
- Higher coverage deductibles cost less – Comp and collision deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, fire damage, and having a roll-over accident. The larger the amount you’re willing to pay, the better rate you will receive for Civic coverage.
- Marriage can save you money – Being married can get you a discount on your auto insurance bill. It translates into being more mature and responsible and it’s proven that married drivers get in fewer accidents.
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Cheapest car insurance rate quotes
There are a variety of methods to compare car insurance quotes, but some are more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the internet for quick rates.
Most car insurance companies are enrolled in a marketplace that enables customers to complete one form, and every company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests to every company. To fill out one form to compare multiple rates now click here to open in new window.
The only downside to getting quotes like this is you cannot specify the companies you want to price. So if you want to choose specific insurance companies for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here to view list.
It’s up to you how you get prices quotes, just be sure to compare identical coverage limits on every quote. If your comparisons have different deductibles you can’t possibly truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes increases the change that you will find a lower rate.
Does auto insurance advertising bend the truth?
Big name companies like State Farm and Allstate constantly bombard you with ads on television and other media. They all seem to make an identical promise that drivers will save a bundle if you just switch your auto insurance policy to them. How is it possible that every company can give you a lower rate? This is the way they can do it.
Many companies can use profiling for the type of driver that will generate a profit. For instance, this type of risk profile might be over the age of 50, has a clear driving record, and has great credit. Any person who matches that profile receive the lowest rate quotes as well as cut their rates if they switch.
People who cannot meet those standards may receive a higher rate which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much. This is how insurance companies can advertise the way they do.
Different companies use different criteria so you really should get price quotes at each policy renewal. It is just not possible to predict which company will have the best rates.
Earn discounts to get lower-cost insurance coverage quotes
Some insurance providers don’t necessarily list all possible discounts in a way that’s easy to find, so we break down a few of the more well known as well as the least known discounts that you can inquire about if you buy car insurance online.
- Onboard Data Collection – Insureds that choose to allow driving data submission to track their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
- Accident Free – Good drivers with no accidents have much lower rates when compared to accident-prone drivers.
- Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- New Car Discount – Adding a new car to your policy may earn a small discount since newer vehicles are generally safer.
- Braking Control Discount – Cars and trucks with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Good Student Discount – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Switch and Save Discount – A few companies allow discounts for renewing your policy before your current expiration date. The savings is around 10%.
- Life Insurance – Some insurance coverage companies give lower rates if you buy life insurance.
- Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it can save substantially.
Don’t be surprised that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you could get a free insurance coverage policy, you’re out of luck.
To locate insurance coverage companies that can offer you the previously mentioned discounts, click this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Tailor your car insurance coverage to you
When buying the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.
For example, these questions might point out whether your personal situation might need professional guidance.
- Do I need replacement cost coverage?
- What can I do if my company denied a claim?
- Am I covered by my spouse’s policy after a separation?
- Can I rent a car in Mexico?
- Am I covered when driving in Canada or Mexico?
- Is a blown tire covered by insurance?
If you can’t answer these 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, complete this form.
Insurance coverage specifics
Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from flooding, a broken windshield and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Honda Civic.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for bills like surgery, hospital visits, pain medications and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage will pay to fix damage to your Civic caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, crashing into a ditch, driving through your garage door, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.
This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things such as funeral expenses, medical expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Shop around and save
Affordable 2013 Honda Civic insurance is available on the web and from local agencies, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through local independent agents.
We just covered a lot of information how to shop for 2013 Honda Civic insurance online. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding cheap car insurance. Drivers may discover the biggest savings come from the least-expected company.
When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.
Additional information can be found at the links below
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- What is Gap Insurance? (Insurance Information Insitute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Winter Driving (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Where can I buy Insurance? (Insurance Information Insitute)