1990 Honda Civic CRX Insurance Quotes – 6 Tips to Save

Trying to find lower auto insurance rates for your Honda Civic CRX? Are you overwhelmed by the number of auto insurance choices in your area? Lot’s of other drivers are too. There are such a vast assortment of choices available that it can be a burden to find the perfect company for you.

You need to do rate comparisons before your next renewal since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Civic CRX insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. The purpose of this post is to help educate you on how to get online quotes. But drivers do need to learn the methods companies use to sell online because it can help you find the best coverage.

Finding car insurance

When looking for inexpensive insurance coverage quotes, there are a couple ways to compare prices from companies that offer car insurance in your state. The quickest method to find the cheapest Honda Civic CRX insurance rates is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

1. If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotation requests for every car insurance company. One simple form will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
2. Another way to compare rate quotes is spending the time to visit the website of each company and repeat the quote process. For sake of this example, we’ll assume you need rates from USAA, Geico and State Farm. To find out each rate you need to go to each individual site and enter your policy data, and that explains why we recommend the first method.

   For a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare equivalent coverage limits on every quote. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best. Just slight variations in coverages could skew the results. And when comparison shopping, comparing more quotes helps improve the odds of finding lower pricing.

Six discounts for cheap car insurance quotes

Car insurance companies don’t list the entire discount list in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

• Distant College Student Discount – Any of your kids who are attending college and do not have a car may be able to be covered for less.
• Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of up to 25% or more.
• Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
• Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
• Discount for New Cars – Putting car insurance coverage on a new car can be considerably cheaper since newer models have better safety ratings.
• Discount for Low Mileage – Fewer annual miles on your Honda can qualify you for discounted prices on garaged vehicles.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way.

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

• American Family discounts include early bird, good driver, good student, multi-vehicle, air bags, bundled insurance, and TimeAway discount.
• State Farm may have discounts that include passive restraint, safe vehicle, student away at school, multiple policy, anti-theft, Steer Clear safe driver discount, and multiple autos.
• 21st Century may offer discounts for good student, student driver, early bird, air bags, 55 and older, and theft prevention.
• Travelers includes discounts for save driver, payment discounts, new car, student away at school, and good student.
• Geico offers discounts for air bags, multi-policy, federal employee, seat belt use, military active duty, membership and employees, and emergency military deployment.

Double check with every company which discounts you qualify for. Some discounts listed above might not be offered on policies everywhere. For a list of insurers that provide some of the discounts listed above, click here to view.

You may need specialized insurance coverage

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

• Do I get a pro-rated refund if I cancel my policy early?
• Is my babysitter covered when using my vehicle?
• Am I covered if I crash into my own garage door?
• Are my friends covered when driving my car?
• Am I covered when driving on a suspended license?
• What exactly is covered by my policy?
• Is a fancy paint job covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages explained

Learning about specific coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for 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. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Honda Civic CRX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays for damage to your Civic CRX resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like nursing services, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay