Nobody looks forward to buying car insurance, particularly when the cost is too high.
Drivers have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to compare rates and cut insurance costs.
How much can you save with discounts?
Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some must be asked about prior to getting the savings.
- No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
- Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% on Civic Del Sol insurance with certain companies.
- College Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
- Homeowners Discount – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
Consumers should know that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck. Any amount of discount will reduce the amount you have to pay.
To choose insurance companies with discount car insurance rates, click here to view.
Honda Civic Del Sol rates are complex
Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower car insurance prices.
- Your car’s features help determine rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
- Bad driving skills means higher rates – Even a single speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to keep their license.
- Lower deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the less your car insurance will be on Civic Del Sol insurance.
- Better credit means lower rates – A driver’s credit score is a big factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could save money insuring your Honda Civic Del Sol by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high car insurance rates.
What coverages do I need?
When choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if you might need an agent’s assistance.
- Are my friends covered when driving my Honda Civic Del Sol?
- Where can I get insurance after a DUI in my state?
- Is my custom paint covered by insurance?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my Honda Civic Del Sol covered for smoke damage?
- Do I need added coverage for expensive stereo equipment?
- Can I rate high risk drivers on liability-only vehicles?
- When should I remove comp and collision on my Honda Civic Del Sol?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Local agents and car insurance
Certain consumers would prefer to sit down with an agent. The best thing about comparing rates online is that you can obtain lower rates and still have an agent to talk to. Buying from local agencies is especially important in small towns and cities.
To make it easy to find an agent, after completing this short form, your coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. You never need to leave your house since price quotes are sent directly to your email. How cool is that?! It’s the lowest rates AND a local agent.
Auto insurance agents come in two flavors
If you’re trying to find a reliable agent, there are two types of agencies that you can select. Agencies are categorized either independent or captive.
Independent Insurance Agents
Independent agents are not employed by any specific company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and that require little work on your part.
When shopping rates, it’s recommended you include price quotes from several independent insurance agents to have the most options to choose from.
Captive Insurance Agents
This type of agents are contracted to one company and some examples include American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. These agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
To view a full list of insurance agencies, visit this page.
Deciding on a car insurance agent needs to be determined by more than just the bottom line cost. These questions are important to ask:
- Do they review policy coverages at every renewal?
- Which members of your family are coverage by the policy?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- What insurance companies do they work with?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are claims handled at the agent’s location?
Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is a good match to provide car insurance coverage.
Car insurance ads bend the truth
Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies have a common claim of big savings if you change your coverage to them. But how can every company make almost identical claims?
All companies can use profiling for the right customer they prefer to insure. A good example of a driver they prefer might be profiled as between 30 and 50, owns a home, and chooses high deductibles. A customer who meets those qualifications gets the lowest rates and therefore will save when they switch companies.
Potential insureds who fall outside this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can state the savings.
Because of the profiling, it is so important to get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings.
Affordable insurance is out there
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.
Throughout this article, we presented many tips how you can shop for Honda Civic Del Sol insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.
