Compare 1990 Honda Civic Insurance Quotes

Looking for cheaper car insurance rates for your Honda Civic? Comparing insurance coverage quotes online may seem to be difficult if you’ve never received online quoting. But don’t be discouraged because finding more affordable rates is easier than you think.

Take advantage of every insurance coverage discount

Not many people think insurance is cheap, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will be applied when you get a quote, but some discounts are required to be specifically requested before you get the savings.

• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
• Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 25 to 30%.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Civic insurance with some insurance coverage companies.
• Discounts for Multiple Vehicles – Insuring all your vehicles on a single policy could earn a price break for each car.
• Discount for Life Insurance – Larger insurance companies have a discount if you purchase auto and life insurance together.

We need to note that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will definitely lower the amount you pay for coverage.

The best insurance coverage companies and a partial list of their discounts include:

• Geico offers discounts for daytime running lights, defensive driver, multi-vehicle, emergency military deployment, military active duty, and anti-theft.
• USAA may have discounts that include military installation, vehicle storage, annual mileage, good student, defensive driver, and driver training.
• Progressive may include discounts for multi-vehicle, multi-policy, online signing, homeowner, and online quote discount.
• American Family policyholders can earn discounts including accident-free, multi-vehicle, mySafetyValet, bundled insurance, and early bird.
• Esurance includes discounts for DriveSense, good driver, claim free, Switch & Save, homeowner, and anti-lock brakes.
• Farmers Insurance has savings for homeowner, switch companies, business and professional, multi-car, and youthful driver.
• State Farm offers discounts including good student, multiple autos, driver’s education, student away at school, good driver, accident-free, and passive restraint.

Before you buy a policy, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be offered in your area. To see a list of insurers who offer online insurance coverage quotes, follow this link.

How to compare free car insurance quotes

There are several ways you can shop for car insurance but one way is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Most major companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company returns a competitive quote for coverage. This eliminates the need for form submissions for each company you want a rate for.

To compare rates now click to open in new window.

The only downside to using this type of system is you can’t choose which companies to get quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the same coverages and limits for each comparison quote. If you enter mixed coverages it will be very difficult to decipher which rate is best. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing all the rates in your area helps locate the best price. Not every company does online quotes, so it’s necessary to compare price quotes on coverage from those companies, too.

Find cheaper insurance coverage with these tips

A large part of saving on insurance coverage is knowing the rating factors that go into determining the level of your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that could result in lower rates. Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are not as apparent like your vehicle usage and annual miles driven.

• Does insurance coverage cost less for gals? – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Females and males get in accidents in similar percentages, but men tend to have higher claims. They also receive more major tickets such as DWI and reckless driving.
• Married people drive safer – Being married can get you a discount when shopping for insurance coverage. It is viewed as being more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.
• Alarm systems lower insurance coverage rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
• Safer cars are cheaper to insure – Safe vehicles cost less to insure. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity means less claims paid and cheaper rates on your policy.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help you determine if you could use an agent’s help.

• Is my 1990 Honda Civic covered for flood damage?
• How many claims can I have before being cancelled?
• Are my tools covered if they get stolen from my vehicle?
• Do I have coverage if my license is suspended?
• Is my state a no-fault state?
• Are my friends covered when driving my car?

If you can’t answer these questions, 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.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for doctor visits, surgery, prosthetic devices and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, medical services, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail, driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Online plus local equals savings

You just read a lot of ways to lower your 1990 Honda Civic insurance premium rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the most savings is with an unexpected company.

A few companies do not offer online quoting and these small insurance companies provide coverage only through independent insurance agents. Cost effective 1990 Honda Civic insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection.

People switch companies for many reasons like delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer or poor customer service. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

More information is located at these links:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)