How Much Does 2003 Honda Civic Insurance Cost?

Want lower auto insurance rates for your Honda Civic? Do you think you bought an overpriced auto insurance policy? Trust us, many drivers feel the same as you.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it can be hard to see past the geckos and flying pigs and find the best price available.

It’s important to do rate comparisons before your next renewal because auto insurance prices trend upward over time. Just because you had the lowest price for Civic coverage at your last renewal there may be better deals available now. There is a lot of wrong information about auto insurance on the internet, but in this article, you’re going to get some great ideas on how to lower your auto insurance rates.

The best way we recommend to get rate comparisons is to know all the major auto insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide information such as types of safety features, your general credit rating, how much education you have, and how much you drive. The rating information is sent automatically to all major companies and they return quotes quickly.

Is there deception in advertising?

GEICO, State Farm and Progressive seem to constantly run ads on TV and radio. They all say the same thing about saving some big amount if you just switch your insurance policy to them. How does every company save you money? It’s all in the words they use.

All the different companies provide the lowest rates for the type of driver they prefer to insure. A good example of a desirable insured might have to be between the ages of 30 and 50, has a low-risk occupation, and drives less than 10,000 miles a year. A customer that fits those parameters is entitled to the best price and is almost guaranteed to save if they switch.

Potential customers who are not a match for those standards must pay a higher rate and this can result in the driver buying from a lower-cost company. The wording the ads use say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that.

Different companies use different criteria so it’s extremely important to get car insurance quotes from several different companies. Because you never know which insurance company will fit you best based on your risk profile.

Get more affordable insurance premiums by understanding these factors

Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are more transparent such as your credit history or how safe your car is.

Listed below are some of the items used by insurance companies to determine your rate level.

  • Cheaper insurance coverage rates using theft deterrents – Buying a car with a theft deterrent system can save you some money. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
  • Improve your credit rating – Having a bad credit rating will be a significant factor in determining premium rates. If your credit history can be improved, you could be paying less to insure your 2003 Honda Civic if you clean up your credit. Drivers who have good credit tend to be better risks to insure than drivers who have lower ratings.
  • Do you need those extra coverages? – Insurance policies have a lot of optional add-on coverages you can purchase if you don’t pay attention. Things like vanishing deductibles, death and dismemberment, and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
  • Know your vehicle’s crash test rating – Vehicles with good safety scores are cheaper to insure. These vehicles reduce the chance of injuries and lower rates of occupant injuries means less claims paid and lower rates for you.
  • Liability protection risk factors in – A critical coverage on your policy, liability insurance will afford coverage if you are found to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
  • Do you know your physical damage deductibles? – Protection for physical damage, aka comp and collision, is used to repair damage to your Honda. Some examples of claims that would be covered could be a dented fender, hitting a deer, and windstorm damage. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance for Civic coverage.
  • Cautious drivers pay the best costs – Drivers with clean records pay less for auto insurance compared to drivers with tickets. Even a single speeding ticket may cause rates to rise to the point where it’s not affordable. Drivers unfortunate enough to have severe violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

Take advantage of every car insurance discount

Buying car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you quote, but less common discounts must be asked about before you will receive the discount.

  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Telematics Devices – Drivers who agree to allow companies to spy on their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
  • Homeowners Discount – Owning a house can help you save on car insurance because it is proof that your finances are in order.
  • Sign Online – Some of the larger companies will provide an incentive just for signing your application over the internet.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings up to 30%.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease for Civic coverage with select insurance companies.
  • Low Miles Discount – Maintaining low annual mileage can earn slightly better prices than normal.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote in comparison with bad drivers.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

Larger car insurance companies and some of the discounts can be found below.

  • GEICO offers discounts including anti-lock brakes, emergency military deployment, five-year accident-free, defensive driver, and daytime running lights.
  • Auto-Owners Insurance may include discounts for anti-lock brakes, safe driver, student away at school, mature driver, group or association, paperless, and safe vehicle.
  • American Family may offer discounts for air bags, early bird, defensive driver, bundled insurance, and accident-free.
  • Esurance offers discounts for safety device, Pac-12 alumni, renters, good driver, and multi-policy.
  • Progressive may have discounts that include multi-vehicle, good student, continuous coverage, homeowner, multi-policy, and online signing.
  • State Farm includes discounts for student away at school, driver’s education, good driver, multiple autos, accident-free, good student, and passive restraint.
  • AAA policyholders can earn discounts including education and occupation, pay-in-full, multi-policy, multi-car, AAA membership discount, and good driver.

If you need lower rates, check with every company which credits you are entitled to. All car insurance discounts may not apply to policyholders in your area. For a list of car insurance companies with the best discounts, click here.

How to know if you need help

When choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine whether you may require specific advice.

  • When should I drop full coverage on my 2003 Honda Civic?
  • Am I better off with higher deductibles on my 2003 Honda Civic?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • Is pleasure use cheaper than using my 2003 Honda Civic to commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to my business vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, rehabilitation expenses, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as loss of income, bail bonds, legal defense fees, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This coverage will pay to fix 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 things such as a tree branch falling on your vehicle, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Civic caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Don’t be a big spender

We covered many ideas to reduce 2003 Honda Civic insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost car insurance. Drivers may discover the best rates are with a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.

Cheaper 2003 Honda Civic insurance can be sourced online as well as from insurance agents, so you need to shop car insurance with both to have the best rate selection. There are still a few companies who do not offer internet price quotes and usually these regional insurance providers sell through independent insurance agencies.

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