Most drivers want to manage essential recurring costs, such as car insurance, to save money. Registering and driving an automobile requires the owner to present proof of financial responsibility. Auto insurance protects the driver and the automobile she owns. Auto insurance, as a kind of property and casualty insurance, also protects other drivers on the road.

Many factors affect the costs of auto insurance. According to the AAA Exchange, a mature, good driver (with no record of moving violations or auto insurance claims in the past three to five years) pays slightly less than $1,000 in auto insurance a year (about $83 a month) in 2011.

Other resources, such as the National Association of Insurance Commissioners, place the average annual cost of auto insurance closer to $1,400 (about $117 a month). Statistical information collected by the NAIC’s “Auto Insurance Database” show that many drivers have saved money on auto insurance in recent years (an average 3%) because of a highly competitive auto insurance sales environment.

This article explores some of the information used by auto insurance underwriters to determine your auto insurance costs. If you’re shopping for new auto insurance coverage, keep reading to learn some of the tried-and-true ways to save money on your monthly and total costs of auto insurance. One simple way to compare multiple rates is by entering your ZIP code into our FREE auto insurance comparison tool!

According to the Massachusetts auto insurance cost comparisons site:

Drivers in Vermont pay an average of $1,250 a year (about $104 a month) for auto insurance, according to Vermont’s Department of Banking,

Insurance, Securities and Healthcare.Drivers in New Hampshire pay approximately $1,000 a year ($83 a month) for auto insurance, according to New Hampshire’s Insurance Department.

If you live in New Hampshire can add several hundred dollars to your premium: compare auto insurance rates in Hanover (about $900 a year, or $75 a month) and Manchester (about $1,400 a year, or $117 a month)!Drivers in Minnesota pay about $1,200 a year (about $100 a month) for auto insurance, according to Minnesota’s Department of Commerce.

Comparatively, drivers in New York, the District of Columbia, Louisiana, Mississippi, and Oklahoma pay the highest average premium rates for auto insurance.New York drivers pay an average $2,700 per year ($225 per month) for auto insurance premiums, reports New York’s Department of Financial Services.Washington, D.C. drivers pay about $2,200 per year (approximately $183 a month) for auto insurance, according to the District of Columbia’s Department of Insurance, Securities and Banking.

Louisiana drivers pay about $2,000 each year (about $167 every month) for auto insurance, says the Louisiana Department of Insurance.Mississippi drivers pay an average $1,450 per year for auto insurance (about $121 a month) according to the Mississippi Insurance Department.Oklahoma drivers pay about $1,900 each year for auto insurance premiums (about $158 each month), reports the Oklahoma Insurance Department.

Some great ways to save big bucks on auto insurance  include:

Small investments in safe driver programs can net impressive savings to good drivers (15% or more, according to AAA). Other strategies to reduce your auto insurance costs include:Buy at least six months of auto insurance coverage at once, rather than paying your auto insurance premium each month. Auto insurance companies may offer a discount for prepayments.Combine at least two insurance policies for discounted auto insurance  rates.Consider your vehicle’s safety record. According to author Voorhees, the National Highway Traffic Safety Administration gave just two vehicles a five-star safety rating in 2010: BMW 5 Series and Hyundai’s Sonata excelled in crash tests performed by the NHTSA. Four-star vehicles included almost every other make/model, with the exception of the Toyota Camry (which received three-stars). The Nissan Versa received a concerning two-star rating in NHTSA tests.

Now that you’ve got more information about how to compare the auto insurance average for monthly costs, save money by requesting free auto insurance quotes. Provide us with your ZIP code now to get money-saving auto insurance information! Compare auto insurance quotes to pay even lower auto insurance rates. Believe me, just two minutes to compare auto insurance quotes and you would save for the whole year. How about this. Click above and get your quote.

Honda civic hybrid car insurance

kristin cavallari ; How much is auto insurance for a Hoda Civic Hybrid?

Compare auto insurance quotes

While most other hybrids, like the top-ranked Ford Fusion Hybrid and Hyundai Sonata Hybrid, are a bit pricier than the Civic Hybrid and have lower fuel economy ratings, they make up for it with better performance, features, and appearances. Type in your zip code above to compare auto insurance quotes online!

How much is auto insurance for a Honda Civic Hybrid?

Auto insurance rate estimates aren’t available for the 2012 Honda Civic Hybrid yet, but reports are in for the 2011 model. The National Automobile Dealers Association (NADA) indicates an average annual auto insurance rate of $1,109 for the Civic Hybrid. Over five years, that will add up to $5,546 worth of auto insurance premiums. Drivers who pay monthly will pay premiums of about $92 if they have driving records at least six years long. Drivers with only three to six years’ experience will pay closer to $174 per month, and if you have less than three years’ experience, expect to pay about $265 per month.

Compared to the competition, the 2011 Honda Civic Hybrid is cheap to insure. The Chevrolet Volt costs $1,373 to insure each year, and Ford Fusion Hybrid owners typically pay $1,483 a year. For the Hyundai Sonata Hybrid, expect to pay $1,570 annually, and be prepared for a yearly bill of $1,600 if you drive a Toyota Camry Hybrid.

Honda Civic Hybrid Repairs

The NADA expects the Honda Civic Hybrid to incur $1,485 in repair costs over the first five years it’s on the road. The vehicle’s warranty will cover any necessary repairs during the first and second years, but you’re likely to pay the $343 third-year bill out of pocket. The fourth- and fifth-year repair bills for the Civic Hybrid will each cost about $571.

The Honda Civic Hybrid’s auto insurance costs are among the lowest of all hybrid cars, but its repair costs are much higher than its competitors’. Ford Fusion Hybrid owners will pay about $850 for car repairs over five years, and Toyota Prius and Chevrolet Volt drivers will pay similar bills. It will cost around $750 to repair a Nissan Altima Hybrid or a Toyota Camry Hybrid for five years. Hyundai Sonata Hybrid owners will pay about $636 for five years’ worth of repairs, which is less than half of what Civic Hybrid drivers are expected to pay.

Maintaining a Civic Hybrid

The total 5-year maintenance bill for a Civic Hybrid is nearly $2,000, including a third-year tune up that will cost over $1,000. The first- and second- year maintenance bills for the Civic Hybrid should total just $175 each, and the fourth-year bill will cost just over $300. During the fifth year, the NADA predicts that you’ll pay about $269 for maintenance.

This rate is low compared to the maintenance costs for other hybrids. Chevrolet Volt drivers are projected to pay just over $2,300 for their 5-year maintenance bills, and Hyundai Sonta Hybrid  owners will pay about $2,994. Ford Fusion Hybrid maintenance expenses will total a bit over $3,300, and Camry Hybrid drivers will pay nearly $4,000 for maintenance.

Civic Hybrid Crash Test Results

Since the 2012 Honda Civic Hybrid was recently redesigned, only the Insurance Institute for Highway Safety (IIHS) has reported its ratings so far. The federal government gave the 2011 Civic Hybrid a 3-star rating, but several improvements have been made to the vehicle’s design since then. The IIHS rates the 2012 Civic Hybrid a “Top Safety Pick,” due to its standard electronic stability control and top ratings in all four of the institute’s crash tests.

These include the frontal offset test, which examines how well the vehicle protects the driver and front passenger when it strikes an object in front of it, and a similar test for side impacts to both the front and rear portions of the car. The roof strength test gauges how well the vehicle’s roof structure protects passengers if the car rolls over, and the rear impact test assesses the vehicle’s ability to prevent whiplash. The Chevrolet Volt and the Toyota Prius are both “Top Safety Picks” as well.

2012 Civic Hybrid Features

While critics note that the 2012 Civic Hybrid’s performance, especially in terms of fuel economy, is improved for the new model year, they’re underwhelmed by the vehicle’s revamped interior. They say that the materials quality in the Civic Hybrid’s cabin still doesn’t stack up well against its competitors’, and its cargo area is small due to the car’s large battery. However, reviewers do note improvements in both cabin space and standard features. These include a tilting and telescoping steering wheel to optimize driving ergonomics, as well as an auxiliary input jack, Bluetooth, and USB connectivity.

The new intelligent Multi-Information Display, or i-MID, combines Bluetooth functionality, a trip computer, and fuel economy info all in one convenient location. The Civic Hybrid also incorporates an Eco Assist feature that tells you how efficiently you’re driving. It can be activated or deactivated by depressing the ECON button.

Compare auto insruance for Honda Civic Hybrid

Keith Baxter : I am looking for low auto insurance, yes lowest car insurance rates and how can I get them.

Low auto insurance rates

Response : Getting a low auto insurance rate is much easier than you might imagine. Here are three ways to reduce your auto insurance costs, as well as an estimate of potential savings based on the national median rate of about $1,400 per year. If you pay more than the median rate, you could save even more.

1) The first tip you take is to have a deductible which is higher. According to the Insurance Information Institute (III), raising your deductible from $250 to $1,000 can minimixe the auto collision and comprehensive coverage costs by up to 40 percent. The other side is that in case of a claim you will have to pay the deduticble but the chances of the claim are lower compared to the surety of paying the premium every year. You’ll incur higher costs should you need to file a claim, but the amount you’ll save on your premiums may be well worth it. The estimated savings would be $170/- $200.

2) You need to buy your auto insurance policy and home insurance policy from the same insurance company.According to the III, converting to a multiline policy could save you as much as 15 percent on your auto premium. Plus, you’ll have one fewer bill to pay each month. You will save an estimated amount of $210 -$250/-

3) You would be better off to pay your auto insurance premium in one lumps sum. This is because you would save on the fees that the insurer will charge you which you will save. You can save an estimated
$60 to $80/- per year

Compare auto insurance quote online, review your car insurance for coverage and for price. This is a dynamic market and to save you need to be proactive. Low auto insurance rates are avaliable and are there for you to get them.

Happy Motoring.
Kamlesh

Amit : What are the new changes in Michigan auto insurance. Would it make any difference in online auto insurance quotes for this state when one tries to get low auto insurance rates?

Response : Just recently as on the 17th December 2009, The House passed a portion of a bill package focused which according to the insurance industry will have disastrous consequences on auto insurance costs and the stability of the insurance market, including a prohibition on credit-based insurance scoring.

Now let me explain this to you in more details. As per the bill, the insurance companies will not be permitted to have a credit based rating. This would be an advantage for the customer since now they can go for online auto insurance quotes without anything to worry about and get multiple quotes since their credit score is not at all affected. Now to be very honest it is a myth that your credit score is affected and please see my post on credit rating and online auto insurance.

The insurance companies are not happy with this since now they will not be able to use the credit based rating system. As per the insurance companies the credit based rating helped them in giving low auto insurance to the clients. Credit-based insurance scoring has been shown to benefit consumers because it allows them to secure lower insurance costs. In Michigan, credit-based insurance scoring is used only to provide discounts for insurance customers. Credit-based insurance scores are not used in Michigan to apply a surcharge or to determine whether a person can be insured by the company. And despite the economy, credit scores are staying stable.

Auto and homeowner insurers doing business in Michigan have formed a coalition, Protecting Michigan’s Future, to defeat this misguided, anti-consumer legislation; promote comprehensive, cost-saving reform solutions; provide information to policymakers for making sound public policy decisions; and set the record straight on insurance practices.

My own recommondation to you is to go for online auto insurance quotes, you will get low car insurance rates for sure and find what suits you best with the online quotes without having to worry about any privacy information since this is free and the insurance companies should abide to the privacy acts.

Adam Lamberget : How do I reduce my auto insurance quote and get an estimate auto insurance which is very low?

Response : Yes, Adam we all want to save $$ especially in the holiday season. There are many ways to lower and reduce auto insurance.The first thing is the intent, second is to compare car insurance quotes, third review car insurance coverage, discounts, savings and terms and conditions of your policy so that you know what each of insurance company is offering.
a)This is basically on the auto insurance policy. Now is the time you need to work out the savings for yourself for which the steps are :
1) Opt for a higher deductible, the higher the deductible the higher the savings,
2) Cut down the collision coverage, however this should be done for old vehicles more than 10 years old.
3) It is best to have the optimum limits of coverage, which would be atleast the coverage your state limits are and what would be the maximum requirement as per your own driving history. It is best to have a higher limit for liability coverage and a lower limit for uninsured motorist, medical coverage if you are already insured seperately under your health coverage.The key is not to be overinsured since you would be paying higher premiums unnecessarily. Let me give you a tip, no agent or no insurer can excatly estimate or would be bold enough to tell you the excat limit you should take. This decision would be ultimately yours, since you are the one who knows your own financical situation the best.

b) Your own driving history : Therer are other ways to reduce your auto insurance premium.
1) Never forget the traffic rules and obey them at all times. Sounds simple enough, but traffic violations are a huge cause of inflated premiums. Excessive speeding violations, ignoring stop signs and traffic lights will cause your auto insurance costs to hike. Remember, the point behind these laws is to reduce and prevent the amount of car accidents.
2) Avoid drunk driving at all cost, this is the most costly penalty amongst all auto insurance rates. Compare auto insurance rates of normal insurance with drunk driving and you will realize that the rates for drunk driving are as high as 200-400 times!!
3) Avoid distracted driving or driving when you are tired.
4) Safety rules of wearing the seat belts and driving would certainly make sure that you are not penalized and your record is not spoilt.
c) There are many factors of your vehicle, automobile or car which will play a role in your insurance. The keys to get low auto insurance quote for the car are:
1) A car like a four-wheel drive, anti-lock brakes, automatic seatbelts, airbags, an anti-theft and alarm system will help in getting low auto insurance costs because it cuts the risk of accidents and theft,and the insurance company would consider this as positive factors in the risk.
2) Avoid any racing stripes. Auto insurance can get pricey for drivers who want to dress up their vehicles. In fact, “pimping out your ride” isn’t the best idea when trying to find ways to reduce your auto insurance and is really a fast way to waste money on auto insurance. So ditch the spoiler, the modified or customized sound system and the flash exhaust. Modified cars cost more to insure. Keeping it simple will save you money on the customizing and on your auto insurance!
Besides following the above tips and the best nugget is to shop online, use our quick rates form and comparing insurance quotes. It’s easy, free, and a fast way to compare several of the industry’s top carriers’ lowest auto insurance rates. This is because this is a very competitive market and online you will get the best options and the lowest auto insurance rates at one go.
Good luck.
Kamlesh