Compare 1993 Honda Civic Insurance Quotes

Want better insurance rates for your Honda Civic? Expensive insurance can take a big chunk out of your bank account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Because you have many insurance companies to choose from, it is hard for the average consumer to choose the right insurer.

It’s a good idea to price shop coverage at least once a year because rates tend to go up over time. Despite the fact that you may have had the best rates for Civic coverage a few years ago you can probably find a better price now. There is a lot of bad information regarding insurance on the web, but with this article, you’re going to get the best ways to stop overpaying for insurance.

Finding affordable coverage is quite easy. If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Drivers just need to learn the tricks to shop their coverage around on the web.

Low Cost Car Insurance

Most companies like State Farm and Allstate quote price estimates on their websites. Getting online quotes doesn’t take much effort as you simply enter the amount of coverage you want into a form. Behind the scenes, the company’s rating system gets your credit score and driving record and returns a price. Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to do this if you want to find the best price on car insurance.

Rate comparisons made easy

A quicker way to find cheaper rates uses one simple form that gets price quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes online quotes much easier. After sending your information, it gets priced with multiple companies and you can pick any or none of the quote results. If the quotes result in lower rates, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, click here and enter your information. To compare your current rates, we recommend you input coverages and limits as shown on your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.

Do you qualify for discounts?

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy online.
  • Low Mileage – Fewer annual miles on your Honda could qualify for better rates on cars that stay parked.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of companies with the best car insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • Does my policy pay for OEM or aftermarket parts?
  • Why does it cost so much to insure a teen driver?
  • I have a DUI can I still get coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is rental equipment covered for theft or damage?
  • What discounts do I qualify for?
  • Do I pay less for low miles?
  • What is PIP insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

These factors can influence Honda Civic insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get big savings.

  • Claim-free discounts can add up – If you file claims often, you can pretty much guarantee higher rates. Car insurance companies generally give lower rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for damages from an accident. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Discounts for married couples – Getting married actually saves money on your policy. It translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Honda Civic has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that can waste your money when buying car insurance. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • The more you drive the more you pay – The more miles you rack up on your Honda each year the higher your rates will be. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Civic can cost quite a bit. Double check that your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Your age impacts your rates – More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Young drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.

Insurance coverages and their meanings

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage pays for damage to your Civic from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed, hail damage and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, pain medications, doctor visits, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This coverage provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, medical services, pain and suffering, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Buy Smart and Save

Cheap 1993 Honda Civic insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

More detailed insurance coverage information can be found by following these links: