1991 Honda Civic Insurance Quotes

Trying to find lower car insurance rates for your Honda Civic? Are you regretting the purchase of an overpriced car insurance policy? Believe me, many drivers have buyer’s remorse. You have multiple auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, more options can take longer to compare rates and cut insurance costs.

It’s important to compare prices at least once a year because insurance prices are usually higher with each renewal. Just because you had the lowest price on Civic coverage six months ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.

Lower-cost car insurance quotes with discounts

Some insurance providers don’t always publicize all possible discounts very well, so below is a list a few of the more well known and the more hidden car insurance savings.

  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
  • Theft Prevention System – Vehicles with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Accident Forgiveness – Not really a discount, but a few companies such as Libery Mutual, Geico and Allstate will allow you to have one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Save with a New Car – Buying a new car model can get you a discount because new model year vehicles are generally safer.
  • Own a Home and Save – Just owning your own home may earn you a small savings since home ownership is proof that your finances are in order.
  • Safety Course Discount – Taking a course teaching defensive driver skills can save you 5% or more and easily pay for the cost of the class.
  • Drivers Education – Require your teen driver to complete a driver education course as it can save substantially.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.

As a sidenote, most discounts do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Even though it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

Larger car insurance companies and a partial list of their discounts are:

  • State Farm may include discounts for safe vehicle, passive restraint, defensive driving training, Steer Clear safe driver discount, driver’s education, and multiple autos.
  • American Family discounts include TimeAway discount, accident-free, air bags, defensive driver, and early bird.
  • AAA may have discounts that include good student, multi-car, AAA membership discount, pay-in-full, anti-theft, multi-policy, and good driver.
  • Geico offers discounts for multi-policy, membership and employees, anti-theft, seat belt use, and defensive driver.
  • Mercury Insurance includes discounts for good student, location of vehicle, anti-theft, type of vehicle, multi-policy, and annual mileage.
  • Farmers Insurance offers premium reductions for alternative fuel, electronic funds transfer, teen driver, pay in full, mature driver, homeowner, and distant student.
  • Progressive offers discounts including multi-policy, good student, homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.

When comparing rates, check with every company to give you their best rates. Some discounts may not be available in your area. To see a list of companies who offer discounts, click here to view.

The fastest way that we advise to compare rates is to know the fact all the major auto insurance companies allow for online access to compare rate quotes. To get started, all you need to do is give the companies some data such as types of safety features, an estimate of your credit level, whether your vehicle is owned or leased, and how many miles driven. Your insurance information is submitted instantly to multiple companies and you get price estimates instantly.

Smart buyers save money

Smart consumers have a good feel for some of the things that are used to determine your auto insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates.

The items below are most of the major factors companies use to determine your prices.

  • Do you really need to file that claims? – If you file claims often, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies provide most affordable rates to people who do not rely on their insurance for small claims. Insurance coverage is intended for claims that you cannot pay yourself.
  • High credit scores equal low costs – An insured’s credit score factor in determining your rates. So if your credit score can be improved, you could be paying less to insure your 1991 Honda Civic by spending a little time repairing your credit. People with excellent credit tend to file fewer claims and have better driving records than those with lower ratings.
  • Save miles and save money – The more miles you rack up on your Honda in a year the higher your rates will be. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates than cars that get driven a lot. An improperly rated Civic can cost quite a bit. It’s a good idea to make sure your policy reflects the proper vehicle usage, because improper ratings can cost you money.
  • Obey driving laws and save – Being a careful driver has a huge affect on how much you pay. Careful drivers receive lower rates compared to bad drivers. Having a single ticket may cause rates to rise by twenty percent. Drivers who get multiple violations such as DUI, reckless driving or excessive speeding may find they need to file a SR-22 with their state in order to prevent their license from being revoked.
  • Adjust deductibles and save – Deductibles for physical damage define how much you are willing to pay if you file a covered claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are collision with another vehicle, damage from fire, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive on Civic coverage.
  • Safer occupants lowers auto insurance rates – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries means your insurance company pays less which can result in lower premiums.
  • Never have auto insurance policy lapses – Driving your car without having proper coverage is against the law and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Which is better, split liability limits or combined limits?
  • When should I remove comp and collision on my 1991 Honda Civic?
  • Am I covered when pulling a rental trailer?
  • Why do I need rental car insurance?
  • Should I carry comprehensive and collision coverage?
  • Does liability extend to a camper or trailer?
  • Why does it cost so much to insure a teen driver?
  • Is a fancy paint job covered?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, rolling your car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like funeral costs, pain medications, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, pain and suffering, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Make a quick buck

We covered quite a bit of information on how to lower your 1991 Honda Civic insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best rates are with some of the smallest insurance companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, an insured cut full coverage only to regret at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

More tips and info about insurance is located by following these links:

Comments About 1991 Honda Civic Insurance

  1. Madlyn Fry

    State Farm was cheapest for my 1991 Honda Civic in Aberdeen, SD.

  2. Darnell Marsh

    Where is cheaper car insurance? I’m in the west part of Seattle, WA. Can’t remember who all I quoted but I ended up saving about $20 each month. Moved home policy as well. I just carry liability insurance.

  3. Sophia Dunn

    Cheap is relative. I live in Juneau, AK. I got free rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my Civic and saved about $90 a year. Left GEICO to switch. I have a teen driver too.

  4. Shanelle Horton

    Cheapest quote for my 1991 Honda Civic was with Encompass. Left Encompass to switch. Might find lower rates online.

  5. Romona Russell

    1991 Honda Civic + Progressive = GOOD RATES!

  6. Dorris Summers

    In Mesa, Arizona, Allstate auto insurance rates for my 1991 Honda Civic were good. Left 21st Century to switch. I even had a DUI years ago. I quoted rates online then called them.

  7. Lizeth Powers

    Where is cheaper car insurance? Live in the northern part of Mesa, AZ. I got free prices from 21st Century, Amica, and Esurance for my Civic and saved $65 a year. It’s too old for full coverage.

  8. Cecil Ray

    I got quite a few price quotes for a 1991 Honda Civic in Gulfport, MS. Ended up at right around $100 every six months with Amica. Was with Mercury. Full coverage costs too much.

  9. Shawnda Burton

    I found affordable 1991 Honda Civic insurance from 21st Century in Louisville, KY.

  10. Shanice Sexton

    If you have a clean record and live in the vicinity of Houston, Texas, check out GEICO. They seem to be cheaper. Was with The General. Get lots of quotes to find the best rate. Book value doesn’t justify full coverage anymore.

  11. Sang Lewis

    Compared rates with 21st Century and Amica but still pricey.