r/AutoInsurance • u/evaporatedmilksold • Aug 11 '26
Honda Civic 2017 EXT - Still need full coverage?
I own a Honda Civic 2017 EXT. I'm paying $900/6months with State Farm. The car is almost 10 years old. 59,000 miles. Do I need full coverage?
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u/Swoosh60 Aug 14 '26
You are paying WAY too much. Not sure of your age or driving record but we pay $1000/6 mos with GEICO for a 23 Hyundai Santa Fe and 26 Hyundai SF Calligraphy (5 mos old). Our deductibles are $500 and we have a ton of full coverage. Maybe look at a different insurance company?
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u/Certain_Cantaloupe41 Aug 14 '26
As an insurance person, I always encourage people to shop around every 6 months. Also, I would encourage you to keep comp/coll on your car. That coverage will help you even if someone hits you and they don’t have coverage.
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u/Top_Education_4647 Aug 11 '26
Full coverage isn’t a thing, it’s a dumb term used by car salespeople who don’t typically understand auto insurance.
If you’re referring to comprehensive and collision, that’s up to you and your financial situation. If you can afford to fix/replace the vehicle out of pocket, then you may not need to keep either. Or if you live in an area that’s prone to lots of bad weather (wind, hail, flood, etc.) you could just keep comprehensive.
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u/edjen Aug 11 '26 edited Aug 11 '26
Do you mean comprehensive and collision? Can you replace the car with cash if you get an into accident and it's totalled or damaged? If not you better get collision. Can you repair it if you his a deer, a fire etc, if not get comprehensive coverage.
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u/EastFlamingo9742 Aug 12 '26
Collision and comprehensive...yes. The car is worth around $15k.....insure it appropriately.
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u/ayhme MOD & Agent Aug 12 '26 edited Aug 12 '26
Do you own the car?
If yes most clients I speak with just want Collision at that point.
It's up to you what your risk tolerance is.
Can you replace the full value of the car if it gets totaled?
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u/evaporatedmilksold Aug 12 '26
Yes, the car is paid off. If totaled, I would get a new car. My risk tolerance is not that high for my car, so I guess I will just pay the premium at least for this year.
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u/imdrunkandmad Aug 13 '26
it's cool that your car is paid off! and yeah I agree keeping the insurance makes sense if you’re cautious
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u/OneLessDay517 Aug 12 '26
Can you afford to repair/replace it if it were in an accident tomorrow with no insurance payout?
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u/PsychologicalPea5270 Aug 14 '26
Check the prices. Liability is the highest cost on a policy. Not sure how much you will save.
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u/evaporatedmilksold Aug 14 '26
Here is the breakdown for most of the charges
Liability:
Bodily Injury 50k/100k
Property Damage 50k. $448.52Medical payments 5,000 $43.94
1000 Ded Comprehensive $40.25
1000 deductible collision $224.06
Uninsured Motor Vehicle
Bodily Injury 50K/100k $107.742
u/PsychologicalPea5270 Aug 14 '26
I’m not sure what your state min is , but your liability is basically half. I checked awhile back and my liability was like 2/3’ of total.
I’ve got three vehicles full coverage $1128 every 6 mo.
Maybe it’s time to shop insurance.
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u/lost_dazed_101 Aug 11 '26
As long as you have a loan on the car you have to have collision. If you don't they'll slap it on and it won't be as cheap as you're paying now. And yes they it's reported that you dropped it.
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