1990 Honda Civic CRX Insurance Quotes

Consumers have a choice when looking for the lowest priced Honda Civic CRX insurance. You can either spend your time contacting agents to compare prices or use the internet to compare rates.

There are more efficient ways to find insurance online so you’re going to learn the quickest way to price shop coverage on a Honda and find the lowest possible price from both online companies and local agents.

How to shop car insurance online

Getting a cheaper price on 1990 Honda Civic CRX insurance is a great way to save money. All that’s required is to take the time to compare rate quotes to find the company with low cost insurance coverage quotes. Shoppers can get rates using a couple different methods.

Experts agree that the best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotes for each price estimate. A single, simple form will return quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
A more difficult way to obtain and compare quotes online requires visiting each company’s website and request a quote. For example, we’ll assume you want to see prices from USAA, Farmers and Progressive. To get each rate you have to take the time to go to each 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 old school way to compare price quotes is making phone calls or going to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you want the professional advice that only a licensed agent can provide. You can, however, get prices online but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just make sure you are using the exact same coverages and limits with each company. If your comparisons have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Are you getting every discount?

Insurance coverage can be pricey, but you may be missing some discounts to help bring down the price. Some trigger automatically at quote time, but a few must be specifically requested before you get the savings.

More Vehicles More Savings – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
Defensive Driver Discounts – Passing a course that instructs on driving safety can save you 5% or more and make you a better driver.
Save with a New Car – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies allow you one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance coverage since home ownership is proof that your finances are in order.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will positively reduce the cost of coverage.

A partial list of companies that may include these money-saving discounts possibly include:

If you need lower rates, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area. To view insurance companies that offer discounts, click here to view.

When in doubt talk to an agent

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might point out if you would benefit from an agent’s advice.

Are rental cars covered under my policy?
Are my tools covered if they get stolen from my vehicle?
I have health insurance so do I need medical payments coverage?
Am I covered when using my vehicle for business?
Can my babysitter drive my car?
Does my insurance cover a custom paint job?
Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy specifics

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability

This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, structural damage, bail bonds, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda Civic CRX.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for funeral costs, dental work and ambulance fees. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage will pay to fix damage to your Civic CRX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, rock chips in glass, hail damage and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

1990 Honda Civic CRX Insurance Quotes – 6 Tips to Save