2008 Honda Civic Insurance Rates
Average insurance rates for a 2008 Honda Civic are $1,202 a year including full coverage. Comprehensive insurance costs on average $172, collision costs $362, and liability insurance costs around $498. Buying a liability-only policy costs as low as $552 a year, with high-risk insurance costing $2,626 or more. Teenage drivers receive the highest rates at $4,834 a year or more.
Annual premium for full coverage: $1,202
Rate estimates for 2008 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 driver in their 40's, prices range go from as low as $552 for a discount liability-only rate to a much higher rate of $2,626 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on average rates.
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Recommended Companies for Cheap 2008 Honda Civic Insurance
Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, there are lots of people in the same boat.
With so many choices, it is very difficult to pick the most affordable company.
It is always a good idea to compare rates occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Civic coverage six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some good information on how to reduce your insurance coverage bill.
Discounts to lower Honda Civic insurance rates
Companies do not list every discount very well, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.
Recommended Companies for the Best Insurance Rates
- Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
- Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
- Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
- Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
- College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
It’s important to note that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of insurers with the best auto insurance discounts, follow this link.
Complexity of Honda Civic insurance rates
It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.
The list below includes a few of the “ingredients” that factor into rates.
- Pay less after the wedding – Having a spouse actually saves money on your policy. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
- Extra coverages can waste money – There are quite a few extra bells and whistles you can purchase on your auto insurance policy. Things like personal injury protection, better glass coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
- Discounts for multiple policies – The majority of auto insurance companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find better rates by insuring with multiple companies.
- Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
- Older drivers save more – More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher.
- Better credit means lower rates – Credit rating is a big factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. Therefore, if your credit score can use some improvement, you could pay less to insure your 2008 Honda Civic by improving your credit score.
- Small claims can cost you – Companies provide lower rates to people who do not file claims often. If you file claims often, you can pretty much guarantee higher rates. Car insurance is designed for major claims that would cause financial hardship.
- Increase deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The higher the amount the insured has to pay upfront, the lower your rates will be on Civic coverage.
Tailor your coverage to you
When choosing coverage, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you might need professional guidance.
- Is a blown tire covered by insurance?
- Is my trailer covered?
- Should I waive the damage coverage when renting a car?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have coverage if my license is suspended?
- How high should my medical payments coverage be?
- Should I drop comprehensive coverage on older vehicles?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Don’t believe everything you hear
Insurance companies such as State Farm, Allstate and GEICO consistently run television and radio advertisements. They all seem to say the same thing of big savings if you change to their company. How does each company claim to save you money? This is how they do it.
Different companies can use profiling for the type of driver they prefer to insure. A good example of a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and as a result will probably save when switching.
Drivers who don’t measure up to these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, you absolutely need to get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.
Insurance coverages and their meanings
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.
UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists 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.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses like dental work, chiropractic care, rehabilitation expenses, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. 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 theft, hitting a bird and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability coverage pays for things such as funeral expenses, pain and suffering, bail bonds, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Do the work, save more money
Budget-conscious 2008 Honda Civic insurance is possible online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
You just read quite a bit of information on how to save on insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the smallest insurance companies. They can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.
More detailed auto insurance information can be read by following these links:
- Booster Seat Ratings (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Think You’re a Safe Driver? (State Farm)
- Tread Depth and Tire Safety (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,349|
|Los Angeles, CA||$2,028|
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Need a specific model?
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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||$82|
|5-yr Claim Free||$77|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.