1991 Honda Civic CRX Car Insurance Rates

Buyers have a choice when searching for the best price on Honda Civic CRX insurance. They can either waste time driving around to compare prices or use the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a Honda and find the best price possible either online or from local insurance agents.

Auto insurance quotes comparison

There are multiple methods to shop for auto insurance, and some are less labor-intensive and much quicker. You could waste time talking to insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and each participating company provides a quote based on that data. This eliminates the need for quote requests for every auto insurance company.

To participate in this free quote system, click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose the companies you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click to view list.

The approach you take is up to you, just make absolute certain that you use exactly the same quote data with every price quote. If you use different deductibles you will not be able to determine which company has the best rates.

Discounts for cheaper auto insurance rates

Car insurance companies don’t always advertise all their discounts very clearly, so we researched both the well known and the more hidden discounts that you may qualify for.

  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Telematics Discount – Policyholders that allow companies to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they show good driving skills.
  • Homeowners Pay Less – Owning a house can get you a discount because it demonstrates responsibility.
  • Professional Memberships – Belonging to qualifying clubs or civic groups could trigger savings on your next renewal.
  • Discount for Low Mileage – Driving fewer miles may allow you to get better rates on cars that stay parked.
  • Safety Course Discount – Taking time to complete a driver safety course may get you a small discount if you qualify.
  • Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and GEICO permit an accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply up until you turn 25.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, you’re out of luck.

Large auto insurance companies and their possible discounts are shown below.

  • American Family discounts include multi-vehicle, good student, bundled insurance, accident-free, and good driver.
  • Farm Bureau has discounts for renewal discount, 55 and retired, multi-policy, safe driver, youthful driver, and driver training.
  • State Farm policyholders can earn discounts including student away at school, defensive driving training, accident-free, multiple policy, and good driver.
  • Travelers offers discounts for hybrid/electric vehicle, good student, payment discounts, multi-policy, and IntelliDrive.
  • The Hartford may include discounts for bundle, driver training, defensive driver, vehicle fuel type, and anti-theft.
  • GEICO offers discounts including multi-policy, emergency military deployment, seat belt use, air bags, membership and employees, five-year accident-free, and defensive driver.
  • Progressive offers premium reductions for good student, homeowner, continuous coverage, online signing, multi-policy, multi-vehicle, and online quote discount.

If you want cheaper car insurance quotes, ask each insurance company how many discounts you can get. A few discounts might not be offered on policies in your area. If you would like to see a list of insurers that offer discounts, click this link.

Insurance costs are influenced by these factors

Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are not quite as obvious like where you live or your commute time.One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that could help you find lower rates.

  • Never have insurance coverage lapses – Allowing your coverage to lapse will be a guaranteed way to increase your renewal premiums. Not only will you pay more, not being able to provide proof of insurance could result in a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Men drivers tend to cost more – Over time, data shows women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets such as reckless driving.
  • Employer can influence insurance coverage rates – Did you know that where you work can have an impact on rates? Careers such as real estate brokersair traffic controllers and dentists generally have higher average rates due to intense work requirements and extremely grueling work hours. Other careers like actors, historians and retirees pay lower than average rates on Civic CRX coverage.
  • Extra policy coverages can add up – There are many extra add-on coverages that can waste your money if you don’t pay attention. Coverages like rental car reimbursement, towing, and membership fees may be costing you every month. These coverages may sound good when deciding what coverages you need, but if you’ve never needed them in the past get rid of them and save.
  • Getting married can save you money – Having a wife or husband may cut your premiums on your insurance coverage bill. It translates into being more responsible and statistics show being married results in fewer claims.
  • Better insurance coverage rates on safer vehicles – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums. If your Honda has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Older drivers are lower risk – Mature drivers have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets.Inexperience drivers are statistically shown to get distracted easily when driving with friends so insurance coverage rates are higher.

You may need specialized auto insurance coverage

When it comes to buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

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

  • Can I afford low physical damage deductibles?
  • Do I need motorclub coverage?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when using my vehicle for business?
  • Does my insurance cover a custom paint job?
  • Do I need rental car coverage?
  • What exactly is covered by my policy?
  • What if I owe more than I can insure my car for?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover me when driving someone else’s vehicle?

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 agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Be skeptical of car insurance ads

Consumers can’t get away from all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing that drivers will save a bundle if you switch your policy.

How is it possible that every company can offer drivers better rates? Just pay attention to how they say it.

Different companies have specific criteria for the type of insured that will most likely be profitable. An example of a driver they prefer might be described as between 25 and 40, insures multiple vehicles, and insures a new vehicle. A customer getting a price quote that meets those criteria will get very good rates and will also cut their rates substantially.

Drivers who do not fit those criteria will probably be forced to pay a higher rate which translates to the prospect going elsewhere. The trick companies use is to say “drivers that switch” not “all people who quote” save the amount stated. That is how insurance companies can confidently advertise the way they do. Each company has different criteria, so drivers should compare quotes as often as possible. You cannot predict which company will fit you best based on your risk profile.

Parts of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Honda Civic CRX.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as surgery, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. 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. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, emergency aid and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision coverage will pay to fix damage to your Civic CRX resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, rolling your car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Get your money’s worth

In this article, we covered quite a bit of information on how to save on 1991 Honda Civic CRX insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the lowest rates come from an unexpected company.

Cheap 1991 Honda Civic CRX insurance can be bought both online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer price quotes online and most of the time these small insurance companies sell through independent insurance agents.

When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

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