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: May 13, 2018

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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.

Insurance price influencing factors

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.

  • Liability limits are a factor – Liability coverage will provide protection if you are responsible for an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Lower stress equals lower rates – Do you have a high-stress occupation? Jobs like doctors, business owners and dentists are shown to have higher rates than average in part from high stress levels and long work hours. On the other hand, careers such as farmers, historians and performers have the lowest average rates for Civic insurance.
  • More miles driven equals more premium – The more you drive your Honda in a year the more it will cost to insure it. A lot of companies apply a rate based on their usage. Autos that sit idle most of the time cost less to insure than those that get driven frequently. It’s always a good idea to double check that your insurance coverage policy correctly shows the proper vehicle usage. Having an incorrect usage rating on your Civic can cost quite a bit.
  • With age comes responsibility – Teen drivers have been known to be more careless with other occupants in the car so insurance coverage rates are higher. If you’ve ever had to add a teenage driver to your insurance coverage policy can be very expensive. Older drivers tend to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.

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Lower rates by qualifying for discounts

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.

  • Theft Deterent – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • No Charge for an Accident – Not a discount per se, but some insurance companies allow you one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
  • Renewal Discounts – A few companies give discounts for buying a new policy before your current policy expires. Ten percent is about the average savings.
  • Telematics Data – Drivers who elect to allow their insurance coverage company to look at driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization may earn a discount on your next insurance coverage statement.

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.

Insurance coverage is unique, just like you

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.

  • What is UM/UIM insurance?
  • Can I afford low physical damage deductibles?
  • What can I do if my company won’t pay a claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need special endorsements for business use of my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Will my insurance pay for OEM parts?

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.

Insurance coverage specifics

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.

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Pennies from heaven

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.

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