2005 Honda Civic Insurance Rates
Average insurance rates for a 2005 Honda Civic are $1,118 a year including full coverage. Comprehensive insurance costs approximately $150 each year, collision insurance costs $286, and liability coverage costs around $512. Buying a liability-only policy costs as low as $564 a year, and high-risk insurance costs $2,436 or more. Teenage drivers receive the highest rates at up to $4,568 a year.
Annual premium for full coverage: $1,118
Rate estimates for 2005 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2005 Honda Civic models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $564 for the bare minimum liability coverage to a high rate of $2,436 for high-risk insurance.
These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than using average rates.
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Recommended Companies for Cheap 2005 Honda Civic Insurance
Searching for lower insurance rates for your Honda Civic? Are you overwhelmed by the wide range of insurance companies? Lot’s of other consumers are too. There are so many choices that it can turn into a ton of work to find the lowest price.
It’s important to do rate comparisons periodically because prices are constantly changing. Even if you got the best deal for Civic insurance a year ago you may be paying too much now. There is too much inaccurate information about insurance online but we’re going to give you some excellent ideas to reduce your insurance bill.
Cheap Insurance Coverage Comparisons
The are a couple different ways to compare rate quotes from local insurance coverage companies. The best method to find the cheapest 2005 Honda Civic insurance rates consists of shopping online. This can be accomplished in a couple of different ways.
- The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for multiple quote forms for each company. Completing one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
- A harder way to compare prices requires a trip to the website of each company to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Esurance and Travelers. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
- The hardest method of getting rate comparisons is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice of a local agent. However, consumers can compare online quotes and get advice from an agent in your area and we’ll touch on that later.
Whichever way you use, make sure you use identical coverage limits and deductibles for every quote you compare. If you are comparing different liability limits then you won’t be able to truly determine the lowest rate. Slightly different limits can make a big difference in price. And when quoting insurance coverage, remember that comparing more company’s prices will enable you to find better pricing.
Recommended Companies for the Best Insurance Rates
Cut your insurance rates with discounts
Companies that sell car insurance don’t always publicize all available discounts very well, so we researched some of the best known and the more hidden ways to save on insurance.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
- Senior Citizens – Older drivers may qualify for a discount up to 10% for Civic insurance.
- Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
- Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.
To see a list of insurance companies who offer insurance discounts, follow this link.
You are unique and your car insurance should be too
When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.
For example, these questions may help highlight whether you would benefit from professional advice.
- How high should my medical payments coverage be?
- How high should my uninsured/underinsured coverage be in my state?
- If I drive on a suspended license am I covered?
- Where can I find high-risk insurance?
- I don’t drive much so do I pay less?
- What if I total my 2005 Honda Civic and owe more than it’s worth?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Car insurance coverage information
Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.
Comprehensive (Other than Collision)
This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane, theft and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 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 important protection for you and your family.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, doctor visits, chiropractic care, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Collision insurance pays for damage to your Civic from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as colliding with a tree, hitting a parking meter, scraping a guard rail, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Auto liability insurance
Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability can pay for claims such as repair bills for other people’s vehicles, medical services, emergency aid and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,187|
|Los Angeles, CA||$1,887|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$72|
|5-yr Claim Free||$71|
|Paid in Full/EFT||$43|
Discounts are estimated and may not be available from every company or in every state.