Lower Your 1998 Honda Civic Car Insurance Cost

Looking for the cheapest insurance coverage rates for your Honda Civic? Have you finally had enough of scraping nickels together to keep your car insured? Your situation is no different than millions of other drivers.

You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, having more auto insurance companies makes it harder to compare rates and find the lowest cost insurance coverage.

Buying car insurance is not rocket science. Essentially every vehicle owner who shops for auto insurance will most likely be able to reduce their rates. Although car owners can benefit by having an understanding of how companies price insurance differently and take advantage of how the system works.

Discounts can really help save money

Companies don’t necessarily list all possible discounts very clearly, so below is a list both well-publicized and the more hidden ways to save on car insurance.

  • Club Memberships – Joining a qualifying organization could earn you a nice discount when shopping for car insurance.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • E-sign Discounts – Certain car insurance companies will give you a small discount for completing your application on their website.
  • Telematics Devices – Drivers who elect to allow companies to look at driving patterns by using a telematics device like Allstate’s Drivewise could save a few bucks if they are good drivers.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
  • Accident Waiver – but some companies like Allstate, Progressive, and GEICO will allow you to have one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.

Just know that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will bring down the amount you have to pay.

Companies and a selection of discounts are:

  • State Farm offers discounts for safe vehicle, good driver, Drive Safe & Save, multiple autos, and accident-free.
  • Farmers Insurance has discounts for good student, mature driver, switch companies, distant student, business and professional, and multi-car.
  • Progressive discounts include continuous coverage, homeowner, multi-policy, online quote discount, multi-vehicle, and online signing.
  • GEICO policyholders can earn discounts including anti-lock brakes, multi-vehicle, anti-theft, military active duty, emergency military deployment, federal employee, and membership and employees.
  • Auto-Owners Insurance includes discounts for safe driver, air bags, multi-policy, teen driver, and mature driver.
  • The Hartford may offer discounts for defensive driver, bundle, driver training, good student, air bag, and anti-theft.
  • Farm Bureau offers discounts including good student, 55 and retired, multi-vehicle, youthful driver, and renewal discount.
  • USAA may include discounts for good student, annual mileage, multi-policy, driver training, loyalty savings, and vehicle storage.

When getting free insurance quotes, it’s a good idea to every prospective company which discounts they offer. Savings might not apply everywhere. To find insurers that can offer you the previously mentioned discounts, click this link.

The best way we recommend to get rate comparisons is to know the fact most larger insurance companies provide online access to quote your coverage. All consumers are required to do is provide information such as if a SR-22 is needed, what you do for a living, if it has an anti-theft system, and if you have a valid license. Your insurance information is instantly submitted to multiple different insurance companies and they return rate quotes instantly to find the best rate.

How you can control Honda Civic insurance premiums

Many factors are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but others are more transparent such as your marital status or how financially stable you are.When buying car insurance it’s important to understand the different types of things that come into play when calculating the price you pay for car insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are just a few of the factors utilized by car insurance companies to help set your prices.

  • Safer the car lower the rate – Vehicles that have high safety ratings get lower rates. Safer cars reduce occupant injuries and reduced instances of injuries means your insurance company pays less and cheaper rates on your policy. If your Honda scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Males pay higher rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men have auto accidents at a similar rate, but the male of the species cause more damage. Not only that, but men also receive more costly citations such as DWI and reckless driving.
  • Protect yourself with liability – Liability insurance kicks in in the event that you are determined to be liable for physical damage or personal injury to other. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Lower rates by increasing comp and collision deductibles – Insurance for physical damage, also called ‘full coverage’, insures against damage to your Honda. Some examples of claims that would be covered could be collision with another vehicle, vandalism, or theft. Your deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. The more money you’re willing to pay, the less your company will charge you for insurance on Civic coverage.
  • Insurance claims cost money – Car insurance companies generally give most affordable rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Pay more if you have a long commute – Being located in small towns and rural areas is a good thing when insuring your vehicles. Drivers in populated areas tend to have more aggressive driving styles and more severe claims. Fewer people means fewer accidents and lower theft and vandalism rates.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 1998 Honda Civic?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount?
  • When should I buy a commercial auto policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need higher collision deductibles?
  • Why am I required to buy high-risk coverage?
  • I don’t drive much so do I pay less?
  • What discounts do I qualify for?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Do drivers who switch really save?

Well-known insurance companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. They all make an identical promise that you can save if you get a free insurance quote and switch your insurance coverage to their company. That’s great but how can every company claim to save you money? It’s all in how they say it.

Insurance providers have an ideal profile for the type of driver they prefer to insure. For instance, this type of driver could be between 30 and 50, has no driving citations, and has great credit. A driver who matches those parameters will get low rates and most likely will save some money.

Insureds who cannot meet these stringent criteria will have to pay higher premiums which results in business going elsewhere. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can advertise the savings. This really emphasizes why you need to do a quote comparison often. Because you never know with any certainty which company will have better car insurance rates than you’re paying now.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects, damage from getting keyed, theft and rock chips in glass. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Honda Civic.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages – Liability insurance will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, court costs, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, rehabilitation expenses, nursing services, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision – This covers damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

We covered some good ideas how to reduce 1998 Honda Civic insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable insurance. You may even find the lowest rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Progressive or GEICO.

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