Online insurance companies like State Farm, Progressive and GEICO continually hit you with advertising and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.
It’s smart to do rate comparisons yearly since rates change frequently. Just because you had the best price two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the web, but by reading this article, you’re going to learn the best ways to buy auto insurance cheaper.
If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although consumers must know how insurance companies compete online and use this information to your advantage.
Compare Auto Insurance Rates
The are a couple different ways to get rate comparisons from local auto insurance companies. The best method to find the lowest Honda Civic rates is to compare rates online. This can be done using a couple different methods.
- The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form prevents you from having to do boring form submissions for every auto insurance company. Just one form compares rates from multiple low-cost companies.
- A different way to compare rate quotes is to take the time to go to each individual company website and request a quote. For examples sake, let’s assume you want to compare rates from Nationwide, Farmers and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
- The least efficient way of getting rate comparisons is driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the professional guidance of a local agent. Drivers can compare the best prices online but buy from a local insurance agent. We’ll cover that shortly.
However you get your quotes, make sure you use exactly the same information for every quote you compare. If you compare different liability limits it’s not possible to determine the lowest rate for your Honda Civic. Having just a slight variation in coverage limits can make a big difference in price. And when comparing auto insurance rates, know that getting more free quotes helps locate the best price.
Are you getting all your discounts?
Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance.
- Own a Home – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.
- Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
- Safety Course Discount – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
- College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
It’s important to note that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Tailor your coverage to you
When choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from professional advice.
- Who is covered when they drive my Honda Civic?
- What are the financial responsibility laws my state?
- Is business equipment covered while in my vehicle?
- Can I still get insurance after a DUI?
- Am I covered if I wreck a rental car?
- Does medical payments coverage apply to all occupants?
- Can I afford to pay high deductible claims out of pocket?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Cheaper insurance is a realistic goal
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at the best price.
Lower priced Honda Civic insurance can be found online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Independent agents can write coverage with regional insurance providers that don’t always offer the ability to get a quote online.
We just covered a lot of ways to shop for Honda Civic insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.
