View 1993 Honda Civic Car Insurance Rates

Looking for better insurance rates for your Honda Civic? Having to pay for expensive insurance can draw down your checking account and possibly require you to analyze your spending habits. Doing a price comparison is a great way to lower your monthly bill.

Many auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute lowest rate

Consumers should take time to get comparison quotes every six months since insurance rates change frequently. Even if you got the best rate on Civic coverage a couple years back a different company probably has better prices today. You can search a lot of insurance on the internet, but in a few minutes you can learn a bunch of ideas how to find cheap insurance.

If you have insurance now or are shopping for new coverage, you can use this information to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is quite easy. Consumers only need an understanding of the tricks to shop their coverage around online.

Low cost auto insurance prices

Finding low cost 1993 Honda Civic auto insurance rates can be quick and easy. The only thing you need to do is spend a little time comparing rate quotes from some recommended companies. You can get a good selection of rate quotes using one of these methods.

  1. The fastest and easiest way to find low rates would be an industry-wide quote request form click to view form in new window. This style of form eliminates the need for separate quotes to each individual auto insurance company. One quote request will get you price quotes instantly.
  2. A more difficult way to find lower rates requires you to visit each company’s website and fill out their own quote form. For examples sake, let’s say you want to compare prices for Farmers, Safeco and Allstate. You would have to navigate to each company’s site and enter your policy data, which is why most consumers use the first method.

    For a list of companies in your area, click here.

  3. If you have time to kill, the last method to find and compare rates is driving around to different agent offices. Shopping for auto insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the extra assistance that only an agent can give. However, consumers can price shop online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, be sure you’re using nearly identical coverages and limits for every company. If you compare different liability limits then you won’t be able to make a fair rate comparison.

Informed consumers know how to get car insurance at a discount

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you lower rates. Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are not as apparent like where you live or how safe your car is.

  • Credit rating impact car insurance prices – An insured’s credit score factor in calculating your premium rate. If your credit score can use some improvement, you may save money insuring your 1993 Honda Civic if you improve your credit rating. Consumers who have high credit ratings tend to be less risk to insure than drivers with poor credit.
  • Allowing your coverage to lapse raises premiums – Driving without insurance coverage in place can get you a ticket and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will your rates increase, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Use but don’t abuse your insurance – Car insurance companies award cheaper rates to drivers who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended for the large, substantial claims.
  • Liability insurance – Liability insurance will afford coverage if you are ruled to be at fault for damages caused by your negligence. It will provide legal defense coverage to defend your case. It is affordable coverage compared to other policy coverages, so do not skimp.
  • Advanced alarms and GPS tracking – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
  • Only buy what you need – Policies have extra coverages that you can buy if you aren’t careful. Insurance for replacement cost coverage, towing coverage, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but now you might not need them so get rid of them and save.
  • Long commutes cost more – Driving a lot of miles every year the higher your rate. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage receive better premium rates than cars that get driven a lot. An incorrectly rated Civic may be costing you higher rates. Ask your agent if your vehicle rating is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Premiums may be higher where you live – Living in less populated areas of the country is a good thing when buying car insurance. City drivers have more road rage incidents and much longer commute distances. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.

These discounts can cut insurance coverage rates

Some providers don’t always publicize every disount available very clearly, so the below list has some of the more common as well as the least known credits that you can use to lower your rates.

  • Government Employees – Being employed by or retired from a federal job may reduce rates when you quote auto insurance on Civic coverage with a few insurance coverage companies.
  • Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison with drivers who are more careless.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Car insurance companies who may offer some of the discounts shown above include:

If you need lower rates, check with every prospective company what discounts are available to you. Some discounts listed above may not be available in every state. To see insurers that offer many of these discounts, click here.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine if you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Can my babysitter drive my car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much can I save by bundling my policies?
  • Is a blown tire covered by insurance?
  • Does my car insurance cover rental cars?
  • If I drive on a suspended license am I covered?
  • If my 1993 Honda Civic is totaled, can I afford another vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Honda Civic.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, surgery, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage pays for damage to your Civic resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, damage from flooding, hitting a deer and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, medical services, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Shop. Compare. Save.

Throughout this article, we presented some good ideas how you can get a better price on 1993 Honda Civic insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest auto insurance. You may even find the best auto insurance rates are with a company that doesn’t do a lot of advertising. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or GEICO.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

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