2022 Honda Civic Car Insurance Quotes in 2024 – 6 Tips for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 8, 2024

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When trying to find lower-cost insurance, do you get overwhelmed by the sheer number of car insurance choices? vehicle owners have so many choices to choose from that it can really be a difficult challenge to lower your car insurance rates.

It is always a good idea to compare rates before your next renewal since prices are usually higher with each renewal. Even if you think you had the lowest rate on Civic insurance a year ago you can probably find a better premium rate now. Forget all the misinformation about car insurance because you’re about to find out how to use online quotes to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. The purpose of this article is to teach you the best way to quote coverages and some tips to save money. Nevertheless, consumers do need to understand how the larger insurance companies sell online and take advantage of how the system works.

Lower-cost car insurance rates with discounts

Some insurance providers don’t always list the complete list of policy discounts very clearly, so we researched some of the more common in addition to some of the lesser obvious car insurance savings. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Civic insurance compared to accident prone drivers.
  • More Vehicles More Savings – Buying a policy with multiple cars or trucks with the same car insurance company could earn a price break for each car.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Military Discounts – Being on active duty in the military can result in better car insurance rates.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual and GEICO permit an accident before your rates go up if you are claim-free for a set time period.
  • Discount for Switching Early – Some larger companies give discounts for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.

One last thing about discounts, many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.

A list of car insurance companies and a selection of discounts can be found below.

  • 21st Century may include discounts for student driver, early bird, driver training, teen driver, air bags, homeowners, and theft prevention.
  • State Farm has savings for Drive Safe & Save, multiple autos, multiple policy, good student, defensive driving training, good driver, and driver’s education.
  • AAA offers discounts for good student, multi-policy, multi-car, good driver, pay-in-full, and AAA membership discount.
  • Liberty Mutual may have discounts that include newly married, teen driver discount, exclusive group savings, multi-car, multi-policy, preferred payment discount, and newly retired.
  • Progressive has discounts for continuous coverage, multi-vehicle, homeowner, multi-policy, and online quote discount.

If you need lower rates, check with all companies you are considering how you can save money. Savings may not apply to policies in your area. For a list of insurers with discount car insurance rates, enter your zip code here.

The quickest method to compare rates is to know the fact auto insurance companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide information like if a SR-22 is required, how many miles driven, your occupation, and level of coverage desired. That rating data is then submitted to many of the top insurers and you receive quotes instantly.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • Does insurance cover damages from a DUI accident?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I don’t agree with a claim settlement offer?
  • When do I need to add a new car to my policy?
  • Am I better off with higher deductibles on my 2022 Honda Civic?
  • What are the best liability limits?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Civic.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from flooding, fire damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, pain and suffering, medical services and court costs. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, rolling your car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, pain medications, ambulance fees, hospital visits and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

A tidy conclusion

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that they should have had better coverage. Your objective should be to get the best coverage possible for the lowest cost.

Affordable 2022 Honda Civic insurance is available both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small, regional companies work with local independent agents.

Consumers leave their current company for a number of reasons such as denial of a claim, high rates after DUI convictions, policy non-renewal or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

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