What is my neighbor paying for their 2007 Honda Civic?
Auto-Liability, 2007 Honda Civic
See a sample rate for a Female Driver / Single 38 year old with No Violations – Liability.
2007 Honda Civic: SAMPLE QUOTE
|Coverages and Other Factors|
|Coverage Type: Liability|
|Number of Vehicles on Policy: 1|
|Year/Make/Model: 2007 Honda Civic|
|Ownership Status: Own/Paid Off|
|Rental Coverage: No|
|More Auto Coverage Details|
|Insurance Company: Progressive Insurance Company|
|Liability Limits: $25,000 each person / $50,000 each accident / $25,000 Property Damage|
|Uninsured Motorist: $25,000 / $50,000|
|Underinsured Motorist: $25,000 / $50,000|
|Medical Payments: $5,000|
|Comprehensive/Collison Deductible: None|
Insurance Rating Factors
State: Grand Junction, Colorado
Age Group: Late 30’s
Legal Marital Status: Single
Prior Insurance: No
SR-22: Not Required
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real quote.
What Does Medical Payments Cover In An Auto Insurance Policy?
Medical payments coverage, often referred to as “MedPay,” is an optional component of an auto insurance policy that provides coverage for medical expenses incurred as a result of a car accident, regardless of who is at fault. It is a type of no-fault coverage, meaning it pays out benefits without regard to who caused the accident.
Here are the key aspects of what medical payments coverage typically covers in an auto insurance policy:
- Medical Expenses: MedPay helps cover the cost of medical treatment for injuries sustained in a car accident. This can include hospital bills, surgery, doctor’s visits, ambulance fees, X-rays, and other medical services deemed necessary for your recovery.
- Passengers’ Medical Expenses: MedPay usually covers medical expenses for you and any passengers in your vehicle at the time of the accident. It can also cover you and your family members if you are injured while riding in someone else’s car or if you are struck by a vehicle while walking or biking.
- Funeral Expenses: In the unfortunate event of a fatal accident, MedPay may also cover funeral and burial expenses.
- Deductibles and Copayments: MedPay can help with deductibles and copayments for your health insurance, which can be especially useful if you have a high-deductible health insurance plan.
- Coverage Limits: MedPay coverage limits vary by policy, but they are usually relatively low compared to other types of auto insurance coverage. Common limits range from $1,000 to $10,000 or more, but you can often choose the coverage amount that suits your needs when you purchase the policy.
- No-Fault Coverage: Unlike liability insurance, which is based on fault and pays for the other party’s expenses when you are at fault, MedPay is no-fault coverage. This means that it pays for your medical expenses regardless of who is responsible for the accident.
- Coordination with Health Insurance: MedPay can be used to cover medical expenses not covered by your health insurance policy. In some cases, it can also cover health insurance deductibles and copayments.
It’s important to note that medical payments coverage is not a substitute for health insurance. It is designed to provide immediate coverage for accident-related medical expenses and can be particularly helpful in covering costs before health insurance kicks in or for expenses that health insurance may not fully cover. The specific details and availability of MedPay coverage can vary by state and insurance provider, so it’s essential to review your policy and consult with your insurance agent to understand the terms, limits, and options available to you.
Why Should I Consider Adding Uninsured / Underinsured Motorist Coverage To My Auto Insurance?
Adding uninsured/underinsured motorist (UM/UIM) coverage to your auto insurance policy is a wise decision for several reasons:
- Protection Against Uninsured Drivers: Not all drivers on the road have auto insurance, despite legal requirements in most states. If an uninsured driver causes an accident in which you are injured, you might have to pay for your medical expenses and property damage out of your pocket. UM coverage steps in to cover these costs when the at-fault driver has no insurance.
- Protection Against Underinsured Drivers: Even when the at-fault driver has insurance, their coverage limits may not be sufficient to cover your medical bills, lost wages, and property damage expenses. UM/UIM coverage can bridge the gap between the at-fault driver’s coverage and your actual costs.
- Peace of Mind: Knowing that you have UM/UIM coverage can provide peace of mind while driving. You won’t have to worry as much about the financial consequences of being involved in an accident with an uninsured or underinsured driver.
- No-Fault Coverage: UM/UIM coverage is typically considered “no-fault” coverage, meaning it pays out regardless of who is at fault in the accident. This can be especially valuable if you are injured by a hit-and-run driver or a driver who flees the scene.
- Coverage for Passengers: UM/UIM coverage often extends to passengers in your vehicle, ensuring that they are also protected in case of an accident involving an uninsured or underinsured driver.
- Stacking Benefits: In some states, you may have the option to “stack” UM/UIM coverage if you have multiple vehicles insured under the same policy. Stacking allows you to combine the coverage limits for each insured vehicle, potentially increasing the amount of coverage available to you.
- Affordable Premiums: UM/UIM coverage is relatively affordable compared to other types of coverage, considering the protection it provides. It’s a cost-effective way to enhance your insurance policy.
- Legal Requirement: In some states, UM/UIM coverage is mandatory, so you may be required to have it as part of your auto insurance policy.
When considering UM/UIM coverage, it’s essential to review the coverage limits offered by your insurance provider. You can often choose the coverage limits that best suit your needs and budget. Additionally, you should be aware of any state-specific regulations and requirements related to UM/UIM coverage, as they can vary from one state to another.
In summary, adding uninsured/underinsured motorist coverage to your auto insurance policy is a prudent choice that provides protection against the financial consequences of accidents involving drivers with insufficient or no insurance. It ensures that you and your passengers have the necessary coverage when dealing with such situations.
What Is the Reputation of a 2007 Honda Civic?
The 2007 Honda Civic generally has a good reputation as a reliable and fuel-efficient compact car. Honda has a history of producing vehicles known for their durability and performance, and the 2007 Civic is no exception. Here are some key points to consider regarding the reputation of the 2007 Honda Civic:
- Reliability: The 2007 Civic is often praised for its reliability. Many owners report that it runs smoothly and requires minimal maintenance. Honda’s reputation for long-lasting vehicles is supported by the reliability of this model.
- Fuel Efficiency: The 2007 Civic is known for its excellent fuel economy, particularly in the category of compact cars. It offers good gas mileage, making it an economical choice for daily commuting and long-distance driving.
- Safety: The 2007 Honda Civic performed well in safety tests conducted by the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS). It comes equipped with standard safety features like airbags and anti-lock brakes, and higher trims may include additional safety options.
- Resale Value: Honda Civics tend to have strong resale value, and the 2007 model is no exception. Its reputation for reliability and fuel efficiency contributes to its resale value.
- Comfort and Interior: The 2007 Civic offers a comfortable ride and a well-designed interior with quality materials. It’s known for its ergonomic layout and user-friendly controls.
- Variety of Models: The 2007 Honda Civic was available in several body styles, including sedan, coupe, and a hybrid version. This variety allows consumers to choose a model that best suits their preferences and needs.
- Issues to Be Aware Of: While the 2007 Civic is generally well-regarded, there have been some reports of issues with the paint quality and problems with the automatic transmission in certain models. It’s important to have any used car thoroughly inspected before purchasing.
- Maintenance: As with any vehicle, regular maintenance is crucial to keep the 2007 Civic in good condition. Routine oil changes, brake inspections, and other scheduled maintenance tasks are essential for longevity.
Overall, the 2007 Honda Civic has a positive reputation as a reliable and efficient compact car. However, it’s always a good idea to research and consider the specific vehicle’s history and condition when buying a used car. Additionally, individual experiences with the 2007 Civic may vary based on factors like maintenance, driving habits, and climate conditions.
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.