Find Affordable Honda Civic Insurance in Atlanta

Want to know an easy way to compare the cheapest Honda Civic insurance in Atlanta? Trying to come up with a payment for high-priced insurance can draw down your bank account and maybe even restrict other spending. Comparison shopping is a fast and free way to lower your bills every month.

Unimaginable but true, nearly 70% of drivers have remained with the same insurance company for a minimum of four years, and 38% of customers have never taken the time to shop around. Georgia consumers could cut their rates by up to 60% a year, but they just don’t understand how much they could save if they bought a different policy.

Since you have so many insurance companies to choose from, it is very difficult to locate the best insurance company.

Consumers should take time to quote other rates as often as possible because insurance prices are variable and change quite frequently. Just because you found the best rates on Honda Civic insurance in Atlanta a couple years back you may be paying too much now. You’ll find quite a bit of inaccurate information about Civic insurance on the web, but we’re going to give you the best ways to buy insurance cheaper in Atlanta.

Locating the best rates in Atlanta is not rocket science. Essentially every driver who comparison shops for insurance will most likely find a lower price. But Georgia vehicle owners benefit from understanding the way companies calculate your policy premium because it can help you find the best coverage.

The majority of larger companies provide coverage prices on their websites. Doing online quotes for Honda Civic insurance in Atlanta doesn’t take a lot of time as you just type in the coverage amounts you desire as requested by the quote form. When complete, the system orders your driving and credit reports and gives you a price quote based on the data you entered. This makes it simple to compare prices and it’s very important to compare as many rates as possible if you want to get the most affordable insurance rates.

To save time and find out how much you can save on insurance, compare quotes from the companies shown below. If you have coverage now, it’s recommended you enter the coverages just like they are on your policy. This way, you will receive an apples-to-apples comparison based on similar coverages.

The following companies provide free quotes in Georgia. If more than one company is shown, it’s highly recommended you get prices from several of them to get the best price comparison.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in Atlanta location which can alter premiums greatly.

Policy deductibles

A question often asked by Atlanta drivers is how low should you set your deductibles. The premium rates below outline the rate differences of buying low and high policy deductibles. The first data table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in zip code location which can affect premiums considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $31 more each month or $372 every year than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 24 months between claims, you would probably be better off if you opt for a higher deductible.

Do you qualify for these six discounts?

Car insurance is easily one of your largest bills, but there could be significant discounts to reduce the price significantly. A few discounts will be applied at the time of quoting, but occasionally some discounts must be specifically requested before you will receive the discount. If you do not double check each discount you qualify for, you’re paying more than you need to.

• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
• Club Memberships – Being in a civic or occupational organization in Atlanta is a simple method to lower premiums when shopping for car insurance.
• Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company they may give you a discount of as much as 10 to 15 percent.
• Fewer Miles Equal More Savings – Keeping the miles down on your Honda could be rewarded with cheaper rates.
• Early Switch Discount – Some insurance companies give discounts for renewing your policy prior to the expiration date on your current Civic insurance policy. This discount can save up to 10%.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts should help lower the premium cost.

A few popular companies and a partial list of their discounts can be found below.

• Farm Bureau may include discounts for good student, renewal discount, multi-policy, youthful driver, safe driver, multi-vehicle, and driver training.
• Liberty Mutual has discounts for new vehicle discount, teen driver discount, newly retired, preferred payment discount, new move discount, multi-policy, and new graduate.
• State Farm may have discounts that include student away at school, defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple autos, and driver’s education.
• Auto-Owners Insurance discounts include air bags, paid in full, group or association, student away at school, and paperless.
• GEICO offers discounts including seat belt use, daytime running lights, membership and employees, air bags, multi-policy, and defensive driver.
• SAFECO offers discounts for homeowner, anti-theft, anti-lock brakes, bundle discounts, and teen safety rewards.

Before buying, ask every prospective company how you can save money. Savings might not apply in Atlanta. If you would like to view providers that offer some of these discounts in Georgia, click here to view.

Why you need to buy car insurance

Despite the high insurance cost for a Honda Civic in Atlanta, buying car insurance is mandatory in Georgia but it also protects more than you think.

First, just about all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability coverage in order to be legal. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lien holder, most banks will have a requirement that you have full coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Honda for a much higher rate and require you to fork over much more than you were paying before.

Third, insurance protects both your assets and your car. It will also reimburse you for hospital and medical expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $865 each year so you should quote rates at every policy renewal to ensure rates are competitive.

You may require the services of an agent

Some people just prefer to sit down with an agent and doing that can be a smart decision A nice benefit of price shopping on the web is that you can obtain cheaper car insurance rates and still choose a local agent.

For easy comparison, once you complete this simple form, the quote information is submitted to companies in Atlanta who will give competitive quotes for your auto insurance coverage. There is no reason to do any legwork since rate quotes are delivered directly to your email. You’ll get the best rates without a big time investment. In the event you want to compare prices for a specific company, you just need to jump over to their website and complete a quote there.

Selecting an provider shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

• Do they have cheaper tiers of coverage?
• Does the company have a solid financial rating?
• Does the company use OEM repair parts?
• Does the agency have a current Errors and Omissions policy?
• Will you work with the agent or an assistant?

If you’re trying to find a reliable agent, you should know the types of agencies that differ in how they can insure your vehicles. Auto insurance agents can be classified as either exclusive or independent.

Exclusive Agencies

These agents normally can only provide a single company’s rates and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on their products and sales techniques which helps them compete with independent agents.

Shown below are exclusive insurance agencies in Atlanta who may provide you with price quote information.

More insurance agents

Independent Agents (or Brokers)

Agents of this type are not employed by one company so as a result can place your coverage through lots of different companies and help determine which has the cheapest rates. If premiums increase, they simply move the coverage in-house and the insured can keep the same agent.

If you need cheaper auto insurance rates, it’s recommended you compare prices from a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below is a short list of independent agents in Atlanta that are able to give price quotes.

More insurance agents

Car insurance policy coverages for a Honda Civic

Understanding the coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Liability insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but you should consider buying more coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Civic in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, chiropractic care, dental work and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.

Because many people only carry the minimum required liability limits (which is 25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive car insurance

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, vandalism, hail damage and rock chips in glass. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.