How Much Does 1991 Honda Civic CRX Insurance Cost?

Trying to find better car insurance rates for your Honda Civic CRX? Shopping for budget car insurance can seem to be intimidating for vehicle owners that are relatively new to comparing rates over the internet. With a ridiculous number of insurers available, how are vehicle owners able to have the ability to compare all the different companies and get the lowest rates?

It’s a good idea to compare prices on a regular basis because prices are rarely the same from one policy term to another. Just because you had the best deal for Civic CRX coverage two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the quickest way to save on car insurance.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Pricing the best auto insurance is quite easy. But consumers benefit from understanding how the larger insurance companies sell online because it can help you find the best coverage.

More discounts mean cheap premiums

Companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both the well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

• Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Civic CRX coverage as compared to drivers with claims.
• Clubs and Organizations – Belonging to a civic or occupational organization can get you a small discount on your next insurance statement.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Savings for New Vehicles – Putting coverage on a new car can save you some money since new model year vehicles are generally safer.
• Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

We need to note that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A few of the larger companies and their offered discounts are:

• Farmers Insurance has discounts for youthful driver, mature driver, homeowner, teen driver, and electronic funds transfer.
• State Farm offers discounts including student away at school, anti-theft, multiple autos, good driver, and Drive Safe & Save.
• Liberty Mutual policyholders can earn discounts including multi-policy, preferred payment discount, newly married, new vehicle discount, multi-car, and new graduate.
• MetLife may offer discounts for defensive driver, accident-free, good driver, multi-policy, and claim-free.
• Progressive has savings for multi-vehicle, multi-policy, online signing, good student, homeowner, and online quote discount.

Before buying, ask every company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. To choose insurers who offer discounts, click here to view.

How to find affordable car insurance

When comparison shopping, there are several ways to get quotes from different insurance companies. The fastest way to compare rates consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

1. The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for multiple quote forms for each company. Filling out one form gets you price quotes from car insurance companies with the best prices. It’s definitely the quickest method.
2. A harder way to analyze rates requires visiting the website of each company and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Allstate, Geico and Progressive. You would have to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The most difficult way to compare price quotes is physically going to and from local insurance agencies. The ability to quote online eliminates this option unless you prefer the professional abilities only provided by licensed agents. It is possible to compare online quotes and still use a local agent.

The method you choose is up to you, but be sure you’re using nearly identical coverage information with every price quote. If you enter different liability limits it’s impossible to decipher which rate is best. Having just a slight variation in insurance coverages or limits could mean much higher rates. Keep in mind that comparing more rates from different companies helps you find a lower rate.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine if your situation might need an agent’s assistance.

• How can I get high-risk coverage after a DUI?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need more liability coverage?
• What can I do if my company denied a claim?
• Is my Honda Civic CRX covered if I use it for business?
• How high should my uninsured/underinsured coverage be in my state?
• Does my 1991 Honda Civic CRX qualify for pleasure use?
• Do I need PIP coverage since I have good health insurance?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, fire damage, vandalism, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – This will pay to fix damage to your Civic CRX resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, crashing into a ditch, damaging your car on a curb, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, doctor visits, rehabilitation expenses and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability auto insurance – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

A fool and his money are soon parted

Consumers who switch companies do it for many reasons like not issuing a premium refund, questionable increases in premium, unfair underwriting practices and an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is actually quite simple.

Some insurance providers may not have rates over the internet and many times these regional carriers provide coverage only through independent insurance agents. Cheaper 1991 Honda Civic CRX insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both to have the best selection.

As you quote insurance, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed collision coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Even more information can be read in these articles:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)