Save on 1994 Honda Civic Insurance Cost

Want the cheapest insurance rates for your Honda Civic? Tired of paying out the nose each month for car insurance? You’re in the same situation as many other consumers.

Consumers have many insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates and find the lowest cost insurance.

You should make it a habit to shop coverage around before your policy renews because rates are adjusted regularly by insurance companies. Even if you got the best deal for Civic coverage a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance online but I’m going to show you some solid techniques on how to slash your insurance rates.

Compare Quotes for Insurance

When shopping for insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to find the cheapest 1994 Honda Civic insurance rates is to get quotes online. This can be done using a couple different methods.

  1. The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating boring form submissions for every insurance company. Filling out one form will return quotes from multiple low-cost companies.
  2. A slightly less efficient method to compare prices is going to the website for each individual company and fill out their own quote form. For instance, let’s assume you want comparison quotes from Liberty Mutual, 21st Century and Farmers. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method of comparing rate quotes is to drive around to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you have a need for the professional guidance that only a license agent can provide. Drivers can comparison shop your insurance online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using identical quote information for every quote you compare. If you compare unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Honda Civic. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that getting more free quotes will enable you to find a better price.

Honda Civic insurance rates can be determined by these details

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.

  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, executives and accountants are shown to have higher rates than average attributed to stressful work requirements and long work days. On the flip side, professions such as pilots, athletes and homemakers pay the least for Civic coverage.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Low deductibles can be expensive – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The more money the insured has to pay upfront, the lower your rates will be for Civic coverage.
  • Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Even a single ticket can bump up the cost by twenty percent. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Pay less if you’re married – Getting married can get you a discount on your insurance coverage policy. Marriage means you’re more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles you can purchase when buying insurance coverage. Coverages like roadside assistance, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.
  • Battle of the sexes – The statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Both sexes are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Always keep insurance in force – Letting your insurance expire is a sure-fire way to bump up your insurance coverage costs. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Discounts are available to cut your rates

Auto insurance companies don’t list all available discounts very well, so we break down some of the best known and the more hidden auto insurance savings.

  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when buying auto insurance for Civic coverage.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Homeowners Discount – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.

It’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers with discount auto insurance rates, click here to view.

Everyone needs different coverages

When it comes to choosing the best insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out whether you will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • Should I bundle my homeowners policy with my auto?
  • Why do I need rental car insurance?
  • Why am I required to buy liability insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need motorclub coverage?
  • Does my insurance cover my expensive audio equipment?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like pain and suffering, bail bonds, structural damage, loss of income and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision protection

This pays for damage to your Civic caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1994 Honda Civic.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, pain medications and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Don’t break the bank

You just read some good ideas how you can shop for 1994 Honda Civic insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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