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 8, 2018

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Searching for lower auto insurance rates for your Honda Civic? When shopping for lower-priced insurance, do you get frustrated by the sheer number of auto insurance choices? You have such a vast assortment of choices available that it can be a burden to find the perfect company for you.

It’s smart to get comparison quotes on a regular basis because insurance prices trend upward over time. Even if you think you had the lowest price for Civic insurance two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Buying more affordable insurance coverage is quite easy. But car owners must learn how insurance companies sell online.

Cheaper auto insurance rates with discounts

Some insurers don’t list the complete list of policy discounts very clearly, so the next list breaks down a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Sign Online – A few companies will discount your bill up to fifty bucks shop insurance on the web.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a break if you buy life insurance from them.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks on the same auto insurance policy can reduce rates for all insured vehicles.
  • Student in College – Children who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Defensive Driver – Taking a safe driver course could cut 5% off your bill if your company offers it.
  • Bundle and Save – If you combine your auto and homeowners policies and insure them with the same company you may earn approximately 10% to 15%.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

To locate auto insurance companies that offer some of these discounts, click here to view.

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

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Honda Civic insurance prices can be lower

Lots of factors are taken into consideration when you get your auto insurance bill. Some are obvious like your driving record, but other criteria are less obvious such as whether you are married and annual miles driven.An important part of buying insurance is that you know some of the elements that aid in calculating the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are some of the most common factors that factor into your rates.

  • Gals tend to be lower risk – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean females are better drivers. Men and women are responsible for at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Lower stress equals lower premiums – Do you work in a high-stress field? Careers such as fire fighters, architects and miners tend to pay the highest rates in part from high stress and lots of time spent away from family. Other jobs like farmers, historians and homemakers have lower than average premiums for Civic insurance.
  • Better drivers pay less – Just one speeding ticket or other violation can bump up the cost by twenty percent. Good drivers pay less for auto insurance compared to bad drivers. Drivers who have received serious violations like DUI or willful reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.
  • Do you know you’re credit rating? – An insured’s credit history will be a significant factor in determining what you pay. People that have excellent credit scores tend to file fewer claims than drivers who have bad credit. If your credit score could use some work, you could be paying less to insure your 2015 Honda Civic by repairing your credit.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Is my ex-spouse still covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does medical payments coverage apply to all occupants?
  • Is extra glass coverage worth it?
  • Why is insurance for a teen driver so high?
  • Do I need an umbrella policy?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance – This will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, medical expenses and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage covers damage to your Civic caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2015 Honda Civic.

Due to the fact that many 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.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, fire damage and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, prosthetic devices, dental work, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

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

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Better coverage you can count on

When getting insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice full coverage only to find out that it was a big mistake. The proper strategy is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Budget-conscious 2015 Honda Civic insurance can be bought both online as well as from independent agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent agencies.

You just read a lot of information how to compare 2015 Honda Civic insurance premium rates online. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.

Much more information about car insurance can be found at the links below