View 1993 Honda Civic del Sol Insurance Cost

Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away. Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

You should make it a habit to compare prices periodically since insurance rates are rarely the same from one policy term to another. Even if you got the best price on Civic del Sol coverage a few years ago you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the easiest way to properly buy coverages and cut your premium.

Do you qualify for discounts?

Companies offering auto insurance don’t list all available discounts very well, so we researched both the well known as well as the least known savings tricks you should be using. If you don’t get every credit available, you’re paying more than you need to.

  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates on your policy on Civic del Sol coverage.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Honda can qualify you for better rates on cars that stay parked.
  • Paperwork-free – Certain companies will give a small break for buying a policy and signing up online.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you could get a free car insurance policy, car insurance companies aren’t that generous.

A partial list of companies that possibly offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

Lesser-known factors impacting Honda Civic del Sol insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in big savings.

The list below includes some of the items that factor into premiums.

  • Bump up deductibles to save – The deductibles define the amount you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you’re willing to pay, the bigger discount you will receive on Civic del Sol coverage.
  • Your credit rating is important – A driver’s credit history is a big factor in calculating your car insurance rates. So if your credit is not that good, you could pay less to insure your 1993 Honda Civic del Sol by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • An active claims history can cost you – Auto insurance companies generally give lower rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a quick way to increase your car insurance rates. Not only will rates go up, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to file a SR-22 with your state motor vehicle department.
  • Your location is important – Residing in less populated areas has it’s advantages when buying car insurance. Fewer drivers translates into fewer accidents. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you if ever you are found to be at fault for damages from an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • How’s your driving record? – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records get better rates than bad drivers. Just one moving violation may increase your cost by twenty percent. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages that you can buy on your 1993 Civic del Sol policy. Insurance for rental car reimbursement, towing coverage and term life insurance are some examples. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Should I rate my 1993 Honda Civic del Sol as pleasure use or commute?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 1993 Honda Civic del Sol to commute?
  • Is my Honda Civic del Sol covered if I use it for business?
  • Is my 1993 Honda Civic del Sol covered for smoke damage?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers can’t get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. All the companies make an identical promise that you’ll save big if you change to their company.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable customer might be between 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not match this ideal profile must pay more money and ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that kind of money. That is how companies can make those claims. This illustrates why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will have the lowest Honda Civic del Sol insurance rates.

Car insurance coverages explained

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, theft, rock chips in glass, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for chiropractic care, nursing services, pain medications and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, medical expenses, structural damage, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Civic del Sol caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Civic del Sol.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

A fool and his money are soon parted

We just covered many ideas to compare 1993 Honda Civic del Sol insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with the least-expected company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Cheap insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

More detailed auto insurance information is available in the articles below: