How Much Does 1993 Honda Civic del Sol Insurance Cost?

Searching for lower auto insurance rates for your Honda Civic del Sol? Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a insurer and get the definite lowest rate possible.

Consumers should take time to do rate comparisons yearly since prices fluctuate regularly. Just because you found the best rate on Civic del Sol insurance on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to find out the best methods to find the best coverage while lowering your premiums.

The Honda Civic del Sol insurance premium equation

Multiple criteria are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are not quite as obvious such as your marital status or how financially stable you are.Part of the car insurance buying process is learning some of the elements that are used to determine your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could help you find lower rates.

  • Driving citations can be expensive – Being a careful driver impacts premiums far more than you think. Even a single speeding ticket or other violation can bump up the cost by as much as twenty percent. Attentive drivers tend to pay less for car insurance than their less careful counterparts. People who have careless citations such as DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Your address can modify price – Residing in small towns and rural areas is a good thing when it comes to car insurance. Lower population means a lower chance of having an accident in addition to lower liability claims People who live in big cities tend to have much more traffic and more severe claims. The longer drive time can result in more accidents.
  • Raise deductibles and save – Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims would be a broken side mirror, damage from fire, and damage caused by flying debris. Deductibles for physical damage define how much you are required to pay before a claim is paid by your company. The larger the amount you have to pay, the less your company will charge you for insurance on Civic del Sol insurance.
  • Never let your policy lapse – Not having insurance is against the law and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a license revocation or jail time.
  • How much liability insurance – The liability section of your policy will provide protection when a court rules you are at fault for causing personal injury or damage in an accident. It provides you with a defense in court which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.
  • Where do you drive? – The more you drive in a year the higher your rate. Most companies calculate prices determined by how the vehicle is used. Vehicles that are left in the garage cost less to insure than vehicles that are driven to work every day. It’s always a good idea to double check that your vehicle rating is rated on the right rating data, because improper ratings can cost you money. An improperly rated Civic del Sol can cost quite a bit.
  • Only buy extra policy coverages you need – Insurance policies have a lot of extra bells and whistles that you can buy if you aren’t diligent. Add-on coverages like roadside assistance, towing coverage, and term life insurance are examples of these. These may sound like a good investment at first, but if you’ve never needed them in the past eliminate them to save money.

Insurance policy discounts you can’t miss

Insurance can be prohibitively expensive, but there may be some discounts to cut the cost considerably. Some discounts apply automatically at quote time, but occassionally some discounts must be requested specifically in order for you to get them.

  • Homeowners Pay Less – Just owning your own home may earn you a small savings since home ownership demonstrates responsibility.
  • Bundle and Save – If you can bundle your homeowners and auto insurance and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Distant Student – who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Savings for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount since newer models have better safety ratings.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver’s Ed – Require your teen driver to participate in a local driver’s education class as it can save substantially.
  • Include Life Insurance and Save – Select insurance companies reward you with lower insurancerates if you buy a life insurance policy as well.
  • Active Service Discounts – Having a family member in the military could mean lower insurance rates.
  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut the amount you pay for coverage.

Some of the larger companies that have some of the discounts shown above may include but are not limited to:

When getting a coverage quote, ask each company or agent which discounts they offer. Some credits might not apply in every state.

The insurance coverage bait and switch

Popular insurance coverage providers such as Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise that you’ll save big if you move to their company. How does every insurance coverage company lower your prices? Just pay attention to how they say it.

Most companies are able to cherry pick for the type of customer that is profitable for them. For instance, this type of risk profile may need to be over age 30, has never had a policy lapse, and drives a vehicle with a low ISO rating. Any new insured that matches those criteria will get a cheap rate quote and most likely will save a lot if they switch.

Potential insureds who don’t qualify for these stringent criteria may receive a higher rate and the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save money. That is how companies can truthfully make those statements. This illustrates why you really should get a wide range of price quotes. Because you never know which insurance companies will provide the lowest rates.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Where can I get insurance after a DUI in my state?
  • Am I covered when delivering products for my home-based business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much can I save by bundling my policies?
  • Am I better off with higher deductibles on my 1993 Honda Civic del Sol?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?
  • At what point should I drop full coverage?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Honda Civic del Sol.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, nursing services and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles, medical services and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Civic del Sol caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Quote often and quote early

When you buy car insurance online, never reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

We just presented many ideas to lower your 1993 Honda Civic del Sol insurance prices. It’s most important to understand that the more times you quote, the higher your chance of finding cheap car insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

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