How Much Does 2003 Honda Civic Car Insurance Cost?

Trying to find low-cost insurance for your Honda Civic can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy car insurance and you need to know the quickest way to compare rates on a Honda and find the best price possible either online or from local insurance agents.

Shopping for cheaper protection is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can learn to reduce the price you pay and possibly find even better coverage. Drivers only need to know the tricks to compare prices online.

Insurance Coverage Prices

Finding cheaper 2003 Honda Civic insurance coverage prices doesn’t have to be difficult. The only requirement is to spend a little time comparing rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  • The most efficient way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating a different quote for every insurance coverage company. One form gets you price quotes from all major companies. This is by far the quickest method.
  • A different way to find lower rates requires a visit to the website for each individual company and complete a new quote form. For instance, we’ll assume you want to compare Farmers, Liberty Mutual and State Farm. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least efficient method to get comparison rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. However, consumers can comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you which method you use, but make absolute certain that you use exactly the same quote information with every price quote. If you have different liability limits you will not be able to determine the lowest rate for your Honda Civic.

Save on Honda Civic insurance

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some must be inquired about in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Civic insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

Insurance companies that possibly offer some of the above discounts include:

Check with every prospective company what discounts are available to you. Discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might point out if you might need an agent’s assistance.

  • How can I force my company to pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if my car is in a flood?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered by my policy?
  • Should I bundle my homeowners policy with my auto?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance coverage options for a 2003 Honda Civic

Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage – This covers damage to your Civic caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, chiropractic care, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Civic.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Liability – Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.