1997 Honda Civic del Sol Insurance Cost – 5 Tricks for Best Prices

Consumers have options when looking for the best price on Honda Civic del Sol insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance so you’re going to learn the quickest way to compare rates for a new or used Honda and get the best price possible.

It’s a good habit to price shop coverage every six months because rates trend upward over time. Even if you got the lowest price for Civic del Sol coverage a few years ago you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for before being credited. If you don’t get every credit available, you’re paying more than you need to.

  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

Car insurance companies that possibly offer some of the above discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not apply in every state.

Beware of misleading auto insurance ads

Consumers get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you switch to them.

How do they all make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the driver that makes them money. For instance, a preferred risk could possibly be between 30 and 50, has no driving citations, and chooses high deductibles. Any driver who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements will have to pay more money and this can result in the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the way they do.

Because of the profiling, it is so important to get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest Honda Civic del Sol insurance rates.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • What is no-fault insurance?
  • When should my teen driver be added to my policy?
  • How much liability coverage do I need in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 1997 Honda Civic del Sol

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Honda Civic del Sol.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, a broken windshield and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for funeral costs, ambulance fees, dental work, X-ray expenses and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, medical services, court costs, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

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

Collision can pay for things like scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Summing up your car insurance search

Budget-conscious 1997 Honda Civic del Sol insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and these small, regional companies work with independent agents.

Drivers leave their current company for any number of reasons including being labeled a high risk driver, high prices, an unsatisfactory settlement offer and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

We just presented a lot of tips how to compare insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a small local company.

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