1997 Honda Civic Insurance Cost

Looking for cheaper auto insurance rates for your Honda Civic? Drivers not familiar with comparison shopping online may discover purchasing low cost auto insurance is very challenging.

Compare insurance coverage quotes

Many insurance companies like Progressive, Allstate and GEICO provide coverage prices directly from their websites. This process doesn’t take much effort as all you need to do is type in the coverage amounts you desire into a form. Behind the scenes, their system gets your driving record and credit report and provides a quote determined by many factors.

Online price quotes makes it simple to compare prices but the time it takes to visit each company’s website and repetitively type in your information is a big time waster. But it’s very important to compare as many rates as possible if you want to find lower prices.

A more efficient way to find better insurance coverage pricing makes use of a single form that gets prices from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. After sending the form, it gets priced and you can select any or none of the pricing results.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. It takes 15 minutes at the most and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits just like they are on your policy. Doing this guarantees you will get a rate comparison based on similar coverages.

The Honda Civic insurance premium equation

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating the price you pay for auto insurance. When you understand what impacts premium levels, this empowers consumers to make smart changes that could result in better auto insurance rates. Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are not as apparent such as your credit history and annual miles driven.

The following are most of the major factors used by insurance companies to determine prices.

  • High premiums for youthful drivers – More mature drivers tend to be more responsible, cause fewer claims and accidents and receive fewer citations.Young drivers are statistically shown to be easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Higher comp and collision deductibles save money – Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Honda. Some examples of covered claims would be colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles you choose are the amount of money the insured will be required to pay if a claim is determined to be covered. The more money you choose to pay out-of-pocket, the less money you will pay for auto insurance on Civic insurance.
  • Infrequent drivers can save – The more miles you rack up on your Honda every year the more it will cost to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Autos used primarily for pleasure use receive better premium rates compared to those used for work or business. Having the wrong rating on your Civic is just wasting money. It’s always a good idea to double check that your policy is rated on how each vehicle is driven.
  • Compare rates if you consolidate your policies – Most major insurance companies provide discounts to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Single drivers may pay more – Your spouse may cut your premiums on your policy. Having a spouse is viewed as being more financially stable and insurance companies reward insureds because being married results in fewer claims.

Lower-cost car insurance quotes with discounts

Some providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below contains both the well known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount you qualify for, you could be getting lower rates.

  • Sign Early and Save – Some larger companies reward drivers for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
  • College Student – who live away from home at college and do not take a car to college may qualify for this discount.
  • Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a auto insurance quote on Civic insurance.
  • Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Civic insurance than drivers with accident claims.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.

Please keep in mind that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way. But all discounts will lower the cost of your policy.

Companies and some of their more popular discounts are:

  • 21st Century offers premium reductions for early bird, defensive driver, 55 and older, good student, theft prevention, and driver training.
  • State Farm may offer discounts for Drive Safe & Save, driver’s education, Steer Clear safe driver discount, passive restraint, good student, anti-theft, and multiple policy.
  • AAA includes discounts for education and occupation, multi-car, pay-in-full, AAA membership discount, anti-theft, and multi-policy.
  • Liberty Mutual offers discounts including good student, teen driver discount, preferred payment discount, hybrid vehicle, and exclusive group savings.
  • Progressive may have discounts that include multi-policy, good student, online quote discount, multi-vehicle, homeowner, and online signing.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. To see companies who offer online car insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • Can I afford low physical damage deductibles?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • When can my company non-renew my policy?
  • Am I covered when driving in Canada or Mexico?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Honda Civic.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive insurance

This will pay to fix 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 coverage protects against things like rock chips in glass, damage from flooding, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage will pay to fix damage to your Civic caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like chiropractic care, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage can cover damage that occurs to a person or their property by causing an accident. This coverage 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: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as structural damage, medical services, emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

A tidy conclusion

More affordable insurance coverage is available online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not have price quotes online and these regional carriers only sell coverage through independent insurance agencies.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, poor customer service and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

For more information, feel free to visit these articles: