Compare 1992 Honda Civic Car Insurance Quotes

Finding better insurance prices for a Honda Civic could be a painful process, but you can use a few tricks to make it easier. There is a better way to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Honda and obtain the lowest possible price from local insurance agents and online providers.

It’s important to shop coverage around before your policy renews because prices change regularly. Just because you found the best price for Civic coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn how to use online quotes to find better coverage at a better price.

Do you qualify for discount insurance?

Some insurers do not advertise every disount available very clearly, so we took the time to find a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may get savings up to 30%.
  • Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance too.
  • Anti-lock Brake System – Cars with ABS and/or traction control are safer to drive so you can save 10 percent or more.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Distant Student – who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Cautious Driver Discounts – Accident-free drivers can pay as much as 50% less for Civic coverage than their less cautious counterparts.
  • Military Discounts – Having an actively deployed family member may lower your premium rates slightly.
  • Buy New and Save – Buying a new car instead of a used car can save up to 30% due to better safety requirements for newer vehicles.

Discounts lower rates, but most discounts do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

If you would like to view insurance companies who offer insurance discounts, follow this link.

What insurance coverages do I need?

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when using my vehicle for business?
  • How do I buy GAP insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage – Collision insurance covers damage to your Civic caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, hospital visits, nursing services and dental work. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability – This provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for 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 commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Honda Civic.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Don’t be a big spender

When getting insurance coverage quotes online, don’t be tempted to buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the lowest possible cost.

In this article, we presented quite a bit of information on how to compare 1992 Honda Civic insurance auto insurance rates online. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. Consumers could even find that the biggest savings come from a smaller regional carrier.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, poor customer service and high prices. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

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