The Honda Civic was ranked best in class in 2015 by multiple reputable websites and publications, including US News & World Report and Bankrate. Owners rank the Civic equally highly. In 2015 it was ranked #4 in sales among the top 25 cars in America and #6 in sales among small cars.
Because of their anti-theft features, most late-model Honda Civics remain out of thieves' grasp (though no car is immune to break-ins under the right circumstances). If you are considering purchasing a Honda Civic or already own one, you’ll want to get the right Civic insurance for your vehicle.
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How Safe Is the Honda Civic?
The Civic has consistently received high safety rankings, and the late-model years are no exception. In fact, the Honda brand overall is known for its safety engineering. The Accord was the first mid-size sedan to offer front, front-side and side airbags as a standard safety feature.
The Ridgeline and CRV SUVs were the first in their class to receive a five-star collision safety rating. Honda is currently in the process of developing new safety features that will include “pre-collision” technology to help prevent accidents before they occur.
The Civic has a host of safety features, including four-wheel ABS, front and rear head airbags, dual front side mounted airbags, emergency braking assistance and dusk sensing headlamps. It also carries a five-star rating overall from the National Highway Traffic Safety Administration for crash tests.
Traction and stability control make for a smooth, surefooted ride, while the rollover protection system, adjustable pedals and blind spot monitor equip the driver with the resources they need to confidently navigate the road.
Determining the Cost of Insurance for the Honda Civic
Before purchasing any vehicle, it's a good idea to understand the cost of ownership, which includes insurance rates. Civic insurance is actually quite affordable. That’s partly because of their safety rating. Cars with great safety ratings generally lower the chance of injury during a collision.
This means the insurance company is less likely to incur medical bills for you or your passengers, should an accident occur. Of course, a great safety rating isn't the only determinant.
The market value of your car, repair costs, and its history with other drivers also factor in, so you want to make sure you do your homework before purchasing insurance.
Additionally, smaller cars inherently carry risk, since there is less surface area to absorb impact on collision, and large vehicles vastly outnumber small vehicles on the road. This is why a good safety rating is important when it comes to car insurance.
Insuring a hybrid is another thing to consider; it can be cheaper simply because it uses alternative energy. The alternative fuel discount offered by many insurance companies, coupled with the safety features of the Civic, could lower your insurance rates.
Of course, there are a host of other factors that go into determining your vehicle insurance premium. Things like how often you drive your vehicle, your driving record, age, gender, criminal history, location and credit history are factored in as well.
Theft is another factor that should not be overlooked. Honda vehicles have sometimes been on the list of the most stolen cars in the U.S., which could affect insurance rates for your Civic.
The issue as not so much value as protection; you want to make sure you have adequate coverage for your car in the event of theft. You might need coverage that goes beyond what your policy has to offer.
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How to Get the Best Honda Civic Insurance
It's a good idea to talk to your local independent agent to obtain insurance for your Civic. They can shop multiple companies and allow you to compare quotes before making a final decision.
They will also work to make sure your coverage is adequate and affordable. Contact a Trusted Choice agent today to make sure you get the best insurance for your Honda Civic.