Cheapest 2006 Honda Civic Insurance Rates in 2023
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UPDATED: Nov 24, 2021
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Locating cheaper insurance for a Honda Civic could be an all-consuming task, but you can use our insurance coverage buying tips to save time.
There is a better way to buy insurance coverage so you’re going to learn the quickest way to quote coverages for your Honda and get the lowest price from local insurance agents and online providers.
You should make it a habit to shop coverage around periodically because rates change frequently. Just because you had the best deal for Civic coverage two years ago there may be better deals available now. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn the only way to properly buy coverages and cut your premium.
Pricing the best coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Consumers just need to know the best way to compare company rates over the internet.
Honda Civic rates are in the details
Consumers need to have an understanding of the rating factors that help determine insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.
- Marriage brings a discount – Being married helps lower the price on insurance coverage. Having a significant other usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
- Where you live – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with much more traffic to deal with and longer commutes to work. More time on the road means higher likelihood of an accident.
- Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Occupations like doctors, business owners and dentists tend to pay the highest average rates because of high stress and lots of time spent at work. Other jobs such as scientists, historians and performers have the lowest average rates for Civic coverage.
- Men fork out a little more – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
- Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Honda Civic is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Your age impacts your rates – Teen drivers tend to be less responsible behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a youthful driver onto your insurance coverage can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
- You might want pay the small claims yourself – Auto insurance companies give lower rates to drivers who do not file claims often. If you file claims often, you can look forward to higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Verify you’re getting all your discounts
Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but a few need to be asked for before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- College Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
- Senior Citizens – Older drivers can possibly qualify for better insurance coverage rates for Civic coverage.
- Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
- Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on insurance coverage for Civic coverage.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Safe Drivers – Insureds without accidents can pay as much as 50% less for Civic coverage than drivers with accident claims.
- Fewer Miles Equal More Savings – Fewer annual miles on your Honda can earn better rates on cars that stay parked.
- Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house requires personal responsibility.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Civic coverage with a few insurance coverage companies.
Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.
Insurance companies that may offer some of the above discounts are:
- State Farm
- 21st Century
- The Hartford
It’s a good idea to ask every prospective company what discounts are available to you. Some discounts might not be offered in every state.
When should I talk to an agent?
When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.
These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.
- Should I buy full coverage?
- Can I get a multi-policy discount?
- How do I buy GAP insurance?
- Should I sign the liability waiver when renting a car?
- Do I have newly-aquired coverage?
- Are split liability limits better than a combined single limit?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Insurance coverages 101
Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Collision coverages – This coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like driving through your garage door, crashing into a ditch, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, hospital visits, EMT expenses, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Liability – Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability coverage protects against things like medical services, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
UM/UIM Coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2006 Honda Civic.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Summing up your insurance coverage search
Throughout this article, we presented many ideas to reduce 2006 Honda Civic insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with an unexpected company.
Cost effective insurance is possible on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
Drivers switch companies for many reasons like unfair underwriting practices, delays in responding to claim requests, being labeled a high risk driver and even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
For more information, take a look at these articles:
- State Car Insurance Guides (GEICO)
- Choosing a Car for Your Teen (State Farm)
- Anti-Lock Brake FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
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