1996 Honda Civic Car Insurance Quotes – 6 Ideas for Best Rates

Trying to find better insurance rates for your Honda Civic? Buying budget-priced insurance may seem to be impossible for people new to quoting and comparison shopping online. When there are so many companies competing online, how are people able to even start to compare every possible option in order to find the lowest rates?

Consumers need to quote other rates as often as possible because prices change quite often. Just because you had the best deal for Civic insurance six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you the things you must know in order to reduce your cost while increasing coverage.

If you have car insurance now, you will most likely be able to save some money using these methods. The purpose of this post is to introduce you to the most effective way to quote insurance and some tricks to saving. Nevertheless, vehicle owners can benefit by having an understanding of the way companies compete online because it can help you find the best coverage.

Cheapest insurance quotes

Most major insurance companies like Allstate, GEICO and Progressive provide prices for coverage directly from their websites. Comparing prices online is pretty painless as you just enter as requested by the quote form. After you submit the form the company’s rating system obtains your credit score and driving record and returns pricing information based on many factors.

This makes it simple to compare prices but the process of having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to get a better rate.

The smarter way to compare insurance pricing makes use of a single form that gets price quotes from more than one company. It’s a real time-saver, reduces the work, and makes online shopping much more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any one of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and find out how much you can save on insurance, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information exactly as shown on your declarations page. This helps ensure you will receive rate comparison quotes using the same coverage and limits.

Six discounts for lower-cost car insurance rates

Some insurance providers do not list every discount they offer in a way that’s easy to find, so the following is a list of a few of the more well known and the more hidden credits available to bring down your rates.

  • Good Student Discount – This discount can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Driver Safety – Taking part in a course in defensive driving may get you a small discount and easily pay for the cost of the class.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Sign Early and Save – Some car insurance companies reward drivers for switching companies before your current expiration date. Ten percent is about the average savings.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Driving Data Discount – Policyholders that allow driving data collection to spy on driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.

A quick disclaimer, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

A few companies that possibly offer most of these discounts are:

When getting free insurance coverage quotes, it’s a good idea to all the companies which discounts can lower your rates. A few discounts might not apply in your area.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • How much liability do I need to cover my assets?
  • What is the minimum liability in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my ex-spouse still covered by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • When should I drop full coverage on my 1996 Honda Civic?
  • What is covered by UM/UIM coverage?
  • When should I buy a commercial auto policy?
  • How high should deductibles be on a 1996 Honda Civic?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages and their meanings

Knowing the specifics of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Liability

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, legal defense fees, court costs and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This will pay to fix damage to your Civic resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage 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 a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

We just showed you a lot of ways to shop for 1996 Honda Civic insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the biggest savings come from a small mutual company.

Cheaper auto insurance is attainable both online as well as from insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers prefer to sell through independent insurance agencies.

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, denial of a claim, poor customer service or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

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