Lower Your 1995 Honda Civic Insurance Cost

Want the cheapest auto insurance rates for your Honda Civic? Trying to find the cheapest insurance for your Honda Civic can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.

There is a right way and a wrong way to buy auto insurance and you need to know the best way to price shop coverage for your Honda and find the lowest price.

It’s important to compare prices once or twice a year because prices fluctuate regularly. Just because you found the best rates on Civic coverage on your last policy you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online, so with this article, you’re going to get the easiest ways to reduce your auto insurance bill.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Some discounts apply automatically when you get a quote, but some must be inquired about prior to getting the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Club Memberships – Participating in a professional or civic organization could trigger savings when shopping for car insurance on Civic coverage.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Civic coverage with select insurance companies.
  • Life Insurance Discount – Larger companies have better rates if you take out life insurance.
  • Save over 55 – Mature drivers can possibly qualify for better car insurance rates on Civic coverage.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce your premiums.

A partial list of companies that may have some of the above discounts include:

Double check with all companies you are considering how you can save money. Some discounts may not be available in every state.

Factors determining your Honda Civic insurance premium

Smart consumers have a good feel for the different types of things that help determine your insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

  • Your insurance coverage rates can be influenced by your job – Occupations like judges, executives and stock brokers tend to have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, occupations like farmers, students and retirees receive lower rates on Civic coverage.
  • Older drivers pay less – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be less responsible behind the wheel therefore insurance coverage rates are much higher.
  • Marriage pays dividends – Being married actually saves money on insurance coverage. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • Increase deductibles and save – Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more money you have to pay, the bigger discount you will receive on Civic coverage.
  • Bad driving skills means higher rates – Even one speeding ticket may increase your cost twenty percent or more. Drivers with clean records have lower premiums than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Rate your vehicle for proper use – Driving more miles each year the higher your rate. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your insurance coverage coverage is rated on the proper vehicle usage. If your policy improperly rates your Civic may be wasting your money.
  • Add-on coverages can add up – There are many extra bells and whistles you can purchase on your Civic policy. Insurance for roadside assistance, better glass coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Honda is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Everyone needs different coverages

When it comes to choosing coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Does having multiple vehicles earn me a discount?
  • Do I need replacement cost coverage?
  • Will my rates increase for filing one claim?
  • Am I covered if my car is in a flood?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims. Liability 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. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, structural damage, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your Civic resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1995 Honda Civic.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Smart consumers save more

Consumers switch companies for many reasons like policy cancellation, an unsatisfactory settlement offer, being labeled a high risk driver and delays in paying claims. No matter why you want to switch, choosing a new insurance company can be pretty painless.

We’ve covered a lot of information how to lower your 1995 Honda Civic insurance rates. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

To learn more, link through to the resources below: