1998 Honda Civic Insurance Rates – 7 Tips for Best Quotes

Confused by the crazy number of insurance coverage companies? Many other consumers are too. Drivers have so many options available that it can easily become a real hassle to find the perfect company for you.

If you have car insurance now, you will most likely be able to cut costs considerably using these methods. This information will teach you the most effective way to quote insurance and some money-saving tips. But drivers must know how big insurance companies determine prices and take advantage of how the system works.

The method we recommend to compare insurance rates from multiple companies is to know the trick car insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is give them some information like how you use your vehicles, whether you have decent credit, if the car is leased, and how old drivers are. Your details is then submitted to all major companies and you get price estimates instantly to find the best rate.

To start a quote now, click here and enter your zip code.

Cut prices on 1998 Honda Civic insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be inquired about before you get the savings.

  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Civic insurance with certain companies.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce your overall premium however.

A partial list of companies that may have these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Does liability extend to a camper or trailer?
  • Do I need roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I hit a deer?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Insurance specifics

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like pain medications, funeral costs, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds, medical services, emergency aid and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Honda Civic.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.