Save on 1999 Honda Civic Car Insurance Quotes

Searching for low-cost insurance for a Honda Civic could be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to compare rates on a Honda and obtain the lowest possible price either online or from local insurance agents.

Don’t miss these premium-slashing discounts

Some providers don’t always publicize the entire discount list very well, so the list below details both the well known and the more hidden ways to save on insurance coverage. If you do not double check each discount you qualify for, you are throwing money away.

  • Accident Forgiveness – Not necessarily a discount, but companies like GEICO, State Farm, and Progressive may permit one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Discount for Life Insurance – Select insurance coverage companies reward you with a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Military Rewards – Being deployed in the military could trigger a small discount.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save you some money because new model year vehicles are generally safer.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your next renewal.
  • Defensive Driver Discount – Taking time to complete a class that teaches driver safety techniques could save 5% or more if your company offers it.

Drivers should understand that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

A few companies that may offer these discounts include:

When getting a coverage quote, ask all the companies to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. For a list of insurance companies with the best discounts, click this link.

The quickest way to compare insurance rates from multiple companies utilizes the fact most insurance companies will pay a fee to give you rate quotes. All you need to do is give them rating details like your general credit rating, if it has an alarm system, if you’re married, and how you use your vehicles. Your rating data is submitted instantly to multiple top-rated companies and you will get price comparisons instantly.

Eight things that impact your insurance rates

Many factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are more transparent like your continuous coverage or your commute time.

  • Do thieves like your car? – Choosing to buy a car with an alarm system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
  • Low coverage deductibles can be expensive – Physical damage deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered would be rearending another vehicle, vandalism, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for Civic insurance.
  • Reserve claims for larger damages – Car insurance companies provide cheaper rates to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended for more catestrophic claims.
  • Gender as a rate factor – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean men are worse drivers. Females and males tend to get into at-fault accidents in similar percentages, but the men cause more damage. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are several times more likely to be in an accident so it costs more to insure them.
  • Get a ticket, pay higher costs – A bad driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Getting just one ticket may increase your cost forty percent or more. Drivers who have gotten flagrant violations such as DUI or reckless driving may face state-mandated requirements to complete a SR-22 with their state DMV in order to continue driving.
  • If you don’t need it don’t buy it – There are quite a few extra add-on coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like vanishing deductibles, death and dismemberment, and term life insurance may be costing you every month. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Limits of liability protection – Your car insurance policy’s liability coverage is the coverage that protects you if ever you are found liable for damages caused by your negligence. Liability provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Bundle policies to earn discounts – The majority of insurance companies apply better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find lower rates by buying insurance from more than one company.

Do I need special coverages?

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover whether you might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when using my vehicle for business?
  • Does my 1999 Honda Civic qualify for pleasure use?
  • Do I really need UM/UIM coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance policy coverages for a Honda Civic

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage – Liability insurance can cover damage or injury you incur to other people or property. 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 for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, emergency aid and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Civic resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, X-ray expenses, nursing services, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – 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 things such as hail damage, fire damage and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Civic.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Buy Smart and Save

People leave their current company for a variety of reasons including questionable increases in premium, policy cancellation, policy non-renewal or not issuing a premium refund. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

We just showed you many ways to compare 1999 Honda Civic insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with the least-expected company.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to regret that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest price.

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