The Civic is perhaps the most purchased car in Honda’s lineup, because it is so affordable and reliable. It is a compact sedan, though it is also available in coupe form. It is an excellent buy for the sticker price; however, you need to consider the associated costs. What is car insurance going to look like for you? If you read on, we’ll attempt to give you a better idea of what you’ll be paying for Honda Civic Insurance, and how you can make that number smaller.
The big thing to remember when looking at insurance costs is that insurance rates will vary from driver to driver, region to region, even insurer to insurer. However, for a ballpark estimate of what insurance might cost you, the average civic-owner paid around $1,300.
However, bear in mind that there are several things you can do, or may have done that can help you lower your insurance premium. The first and perhaps most important factor is your driving record. If you have a clean history, your rates are going to go down. Quoting you a premium is a matter of risk management; the lower risk you are, the lower premiums you’ll see.
You can also consider lowering the amount of miles you put on the car annually. This will reduce your risk of being in an accident. Take into account where you’ll be driving your car, and during what hours. If your area has a high volume of traffic congestion, you will likely see your rates go up.
Having 4 trim levels, the Civic offers you a bit of customization. It comes in the DX, LX, EX, and EX-L trims. The car is fun to drive, and lives up to its reputation. Standard in the DX, LX, and EX trim levels is a fuel-efficient 1.8 liter 4 cylinder engine. The Civic is also available as a Hybrid, and sports a slightly more powerful motor than its predecessors. However, for those wanting a more spirited ride, the Si sports model boasts a 2.4 liter engine for added performance.
The EX-L features several things included leather seats, and heated front seats. All models come standard with stability control and anti-lock brakes. The interior is made of low-quality material, leaving it trailing behind competitors that have a more upscale interior. However its exterior has gained a more handsomely aggressive design.
Having good safety ratings and features can help lower your premium. The 2012 Civic has been recognized by the IIHS as a “Top Safety Pick”, because of its scores of “good” in all crash tests. It also has electronic stability control, which is now standard in all models.
In addition, all models now sport something that was only available in the EX-L models of 2011: vehicle stability assist.
All models come standard with the following features as well:
• Anti-lock brakes
• Brake Assist
• Front and Side Airbags
• Electronic Breakforce Distribution
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