Want cheaper car insurance rates for your Honda Civic? Finding affordable insurance coverage may seem complicated initially if you haven’t ever compared insurance using online car insurance quotes. Don’t let that bother you because online price shopping is actually quite simple.
It’s important that you understand some of the things that come into play when calculating insurance coverage rates. If you have a feel for what determines premiums, this enables you to make decisions that can earn you cheaper rates. Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, although others are not quite as obvious such as your credit history or your commute time.
Insuring your vehicles can cost a lot, but you may find discounts that many consumers don’t even know exist. Some discounts will apply at the time of quoting, but occassionally some discounts must be asked about prior to receiving the credit.
As a footnote on discounts, most credits do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky. But all discounts will bring down your policy premiums.
To see companies that have a full spectrum of discounts, follow this link.
When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.
These are some specific questions can aid in determining if you will benefit from professional help.
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.
Learning about specific coverages of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for hospital visits, funeral costs, dental work and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability insurance – This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability insurance covers claims like pain and suffering, court costs, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Insureds switch companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, questionable increases in premium or delays in paying claims. Whatever your reason, switching car insurance companies is less work than it seems.
We covered many ideas to shop for 2014 Honda Civic insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. Drivers may discover the biggest savings come from the least-expected company.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best price.