Cheap 2012 Honda Civic Car Insurance Quotes

Want cheaper auto insurance rates for your Honda Civic? Trying to find cheaper insurance for a Honda Civic can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare auto insurance rates and you need to know the best way to quote coverages on a Honda and get the best price possible.

Buy insurance online

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and every company returns a rated price. This prevents consumers from doing quote requests to each company.

To get comparison pricing now click to open in new window.

The one downside to comparing rates this way is you can’t choose which providers to get quotes from. So if you prefer to choose individual companies to compare prices, we have assembled a list of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the same coverage data for every quote you compare. If you compare different limits and deductibles on each one it’s not possible to determine the lowest rate for your Honda Civic.

Find hidden discounts to get affordable car insurance rates

Some insurance providers do not list all their discounts very clearly, so we break down a few of the more well known and the harder-to-find discounts that may be available.

• No Claim Discounts – Drivers who don’t have accidents pay less in comparison to drivers who are more careless.
• Online Discount – Many companies provide a small discount for buying your policy on your computer.
• Home Ownership Discount – Just owning your own home may earn you a small savings because it means you have a higher level of financial diligence.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for a small discount on rates for Civic insurance.
• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off for Civic insurance with select insurance companies.
• Telematics Data Discounts – Drivers who elect to allow their insurance company to study driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out life insurance from them.
• Waiver for an Accident – This isn’t a discount exactly, but certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims before the accident.
• ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
• Professional Memberships – Being in certain professional organizations is a good way to get lower rates on your next renewal.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

To find companies with discount rates, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• What if I total my 2012 Honda Civic and owe more than it’s worth?
• Why do I need rental car insurance?
• Are split liability limits better than a combined single limit?
• When should I drop full coverage on my 2012 Honda Civic?
• If my pet gets injured in an accident are they covered?
• How much liability do I need to cover my assets?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

You can change your insurance rates

Lots of things are taken into consideration when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure such as your credit history or how safe your car is.

The following are a partial list of the pieces car insurance companies consider when setting your prices.

• Combine home and auto and save – Most larger companies apply a discount to buyers that purchase more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money.
• Prevent coverage lapses – Driving your car without having proper coverage can get your license suspended and any future policy may cost more because you let your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance could result in fines and jail time.
• How many miles do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Civic may be costing you. It’s a smart idea to ensure your car insurance declarations sheet is rated on the correct usage for each vehicle.
• Physical damage deductibles are a factor – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are collision with another vehicle, vandalism, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less your car insurance will be for Civic insurance.
• Get better rates if married – Having a significant other actually saves money compared to being single. Marriage translates into being more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
• Little extras can really add up – Policies have optional add-on coverages that can waste your money when buying car insurance. Insurance for things like rental car reimbursement, death and dismemberment, and motor club memberships may be costing you every month. They may seem good when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
• Safer cars save money – Vehicles that have high safety ratings are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity means less claims paid and more competitive rates for policyholders. If your Honda has at least four stars on Safercar.gov it is probably cheaper to insure.
• How much liability – Your car insurance policy’s liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. It provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.

What insurance coverages do you need?

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a bird, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as funeral expenses, bail bonds, loss of income, medical expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays for damage to your Civic caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Saving money makes a lot of cents

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

Insureds change insurance companies for a number of reasons such as poor customer service, policy non-renewal, denial of a claim and even high rates after DUI convictions. It doesn’t matter why you want to switch switching car insurance companies is not as difficult as it may seem.

We just showed you many ideas to save on 2012 Honda Civic insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive insurance. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

More information is located on the following sites:

• What Does No-Fault Insurance Cover? (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Learn About Car Insurance (Geico)