Reasons it Costs More to Insure a Civic
The Honda Civic is one of the most reliable and practical cars you can own. However, car insurance for the Civic can cost more than its competitors due to the following reasons.
Vehicle Theft
Unfortunately, The Honda Civic is one of the most common vehicles to be a victim of vehicle theft. Insurance companies use statistics about the amount of cars stolen by make and model, but rarely consider how many of those cars are on the road. Therefore, since there are so many Civics on the road, the number of stolen Civics naturally rises. Also, older Civic models rarely have alarm systems and other anti-theft devices, making them a favorite among car thieves. Therefore, if you plan on purchasing an older Civic, take as many precautions as you can to avoid vehicle theft.
Lack of Standard Safety Equipment
This condition applies more to older Civic models, as newer Civics have become a lot safer. Older Civic models were rarely equipped with multiple airbags, anti-lock brakes, traction control, stability control, and other safety equipment. Therefore, insurance companies believe it is a greater risk to insure your car, making the premium higher.
Coupe vs. Sedan
Although the Civic comes in both a coupe or sedan, it is important to consider that a 2-door coupe will always be more expensive to insure than the sedan. This is due to the fact that a 2-door is considered more sporty than a 4-door, which increases the risk of insuring the car in the eyes of insurance company. This will then raise your premium.
Young Owners
Another factor that insurance companies use to determine the cost of your premium is the record of accidents reported for the make and model of your car. The Honda Civic is a common first car and naturally gets into more accidents due to inexperienced drivers. Therefore, premiums tend to be higher than cars that are less common.
For information on DIY maintenance, modifications and repairs, check out our how-to section here in Honda-Tech.com.
