1993 Honda Civic Insurance Rates

Looking for cheaper insurance coverage rates for your Honda Civic? There isn’t a single person who fancies paying their premiums for insurance coverage, particularly when they could find better prices if they shop around. Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.

If you have a policy now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to understand the tricks to get comparison quotes online.

How to get free insurance coverage quotes online

Finding a lower price on 1993 Honda Civic insurance is actually quite simple. All you need to do is invest a little time to compare rate quotes to find the company with cheap car insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

Probably the best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This quick form saves time by eliminating separate quotation requests for every company. Completing one form compares rates instantly.

A more difficult way to find more affordable insurance consists of going to each individual company website to complete their respective quote request forms. For instance, let’s assume you want to get rates from USAA, 21st Century and Progressive. To get each rate you have to navigate to each company’s site and enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, be sure you’re using identical quote data for each quote you get. If the quotes have different deductibles it will be nearly impossible to determine which rate is truly the best.

Get affordable insurance coverage with discounts

Companies offering auto insurance don’t always advertise every discount in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online. If you are not receiving all the discounts available, you could be getting lower rates.

  • Club Memberships – Joining a qualifying organization could qualify you for a break on your policy.
  • Save with More Vehicles Insured – Having several vehicles on a single policy can reduce the rates for all insured vehicles.
  • Own a Home – Owning a home can save a few bucks because owning a home requires personal responsibility.
  • Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates as compared to drivers with a long claim history.
  • Low Mileage – Driving less can earn cheaper insurance coveragerates.

It’s important to understand that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will definitely reduce your insurance coverage premiums.

Larger insurance coverage companies and some of the premium reductions they offer include:

  • American Family offers discounts including good student, early bird, air bags, mySafetyValet, defensive driver, bundled insurance, and multi-vehicle.
  • Farm Bureau policyholders can earn discounts including safe driver, driver training, multi-policy, good student, and youthful driver.
  • State Farm discounts include driver’s education, accident-free, anti-theft, student away at school, multiple policy, and passive restraint.
  • Travelers has savings for hybrid/electric vehicle, multi-car, IntelliDrive, payment discounts, and multi-policy.
  • The Hartford may offer discounts for bundle, defensive driver, vehicle fuel type, good student, anti-theft, driver training, and air bag.
  • Geico has discounts for emergency military deployment, membership and employees, seat belt use, multi-vehicle, anti-lock brakes, and air bags.
  • Progressive may have discounts that include online quote discount, multi-vehicle, good student, continuous coverage, homeowner, online signing, and multi-policy.

It’s a good idea to ask each company or agent which discounts they offer. Some of the discounts discussed earlier may not apply to policies in every state. To locate insurance coverage companies with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions might help in determining if your situation may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Do I pay less for low miles?
  • Does my insurance cover my expensive audio equipment?
  • Do I need replacement cost coverage?
  • How much liability insurance is required?
  • Do I need higher collision deductibles?
  • Why am I required to get a high-risk car insurance policy?
  • Is my state a no-fault state?
  • When can my company non-renew my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Get Honda Civic insurance cheaper

Consumers need to have an understanding of the different types of things that go into determining car insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower car insurance prices.

  • Don’t buy extra policy coverages you don’t use – There are a ton of extra bells and whistles that sound like a good idea at the time but may not be useful. Coverages like coverage for rental cars, death and dismemberment, and Farm Bureau memberships could be just wasting money. You may think they are a good idea when talking to your agent, but now you might not need them so consider taking them off your policy.
  • An active car insurance claims history can cost more – Insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Does auto insurance cost more for men? – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. They both cause at-fault accidents at a similar rate, but the men tend to have higher claims. Not only are claims higher, but men receive more costly citations like DUI and reckless driving. Males from age 16 to 21 have the highest risk to insure so it costs more to insure them.
  • Lower premiums with no policy lapses – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance might get you a license revocation or jail time. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Long commutes cost more – The more you drive in a year’s time the higher your rate. A lot of insurance companies rate vehicles based upon how much you drive. Cars and trucks that have low annual miles cost less to insure compared to those used for work or business. An incorrectly rated Civic is just wasting money. Make sure your car insurance policy properly reflects annual mileage, because improper ratings can cost you money.

Coverage specifics

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as X-ray expenses, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three 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 $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses, pain and suffering, bail bonds and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

A penny earned…

Lower-priced 1993 Honda Civic insurance is possible on the web in addition to local insurance agencies, so you need to quote car insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer rate quotes online and these small, regional companies sell through local independent agencies.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

Throughout this article, we presented many ideas to shop for 1993 Honda Civic insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier. They often have lower car insurance rates on specific markets than their larger competitors like State Farm and Allstate.

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Comments About 1993 Honda Civic Insurance

  1. Julius Hess

    All companies are crooks. Located in Green Bay, Wisconsin. I compared lots of rates. Saved right around $20 a month. Progressive was the most affordable for me. Insured with American Family before. I have kids on my policy, too. Just waiting to see how claims go. My Civic doesn’t have full coverage.

  2. Jimmy Moran

    Thought I’d throw in my experience. From Kansas City, MO. Can’t remember who all I quoted but I ended up saving about $30 each month.

  3. Jenette Stuart

    Liked the article. I’m in the west part of Little Rock, Arkansas. Received quotes with Amica, Safeco, and Western Auto Insurance for my Honda and I’m now saving $18 a month. I think I’ll get rid of full coverage next time.

  4. Ellan Bridges

    Hope my rates come down. From northwest of Knoxville, TN. Received quotes with Progressive, AIG Insurance, Farmers, and GMAC for my Civic and am saving around $120 a year. I think I’ll get rid of full coverage next time.

  5. Myrna Wyatt

    Thanks for putting this site together. I’m in Warwick, RI. Received prices from Allstate, American Family, and some I forget for my 1993 Honda Civic and saved just over $90 a year. Good multi-policy discounts. Next renewal I’ll just do liability.

  6. Rodney David

    I’m from Grand Forks, North Dakota. Compared quite a few companies. Saved darn near $20 a month. State Farm was the cheapest option for me. Switched homeowners coverage too.

  7. Lacresha Snider

    IT’S ALL TOO EXPENSIVE! I’m just south of Lexington, Kentucky. I got free prices from Travelers, AIG Insurance, Liberty Mutual, and Sentry for my Civic and I think I saved about $20 each month.

  8. Minda Bell

    From a town just southwest of Cranston, Rhode Island. Went online for free insurance quotes for a 1993 Honda Civic. Ended up at about $70 savings annually. Went with GEICO. I just quoted rates online.

  9. Synthia Schmidt

    Cheaper car insurance is a myth. I’m from Kailua, HI. I don’t recall every quote but I ended up saving about $20 each month. Insured with Travelers before. Have a couple speeding tickets too. I quoted rates online then called them. My Civic doesn’t have full coverage.

  10. Sherise Nielsen

    I drive uninsured.

  11. Simon Mcgowan

    Does State Farm have low rates for teen drivers?

  12. Margarett Scott

    I’m in Saint Louis, Missouri. I got free prices from GMAC, Amica, Mercury, and a couple others for my Civic and I’m now saving $14 a month. Hardly afford to drive anymore. Not worth enough to pay for comprehensive and collision.

  13. Asley William

    Mine is so expensive. From Nashville, TN. Compared rates from a lot of places. Saved about $30 a month. Allstate was the most affordable for me. Left Auto-Owners to switch. Did it all online. Next renewal I’ll just do liability.

  14. Allyson Perkins

    Allstate was cheapest for my 1993 Honda Civic in Chicago, Illinois.

  15. Shantae Barrett

    In Jackson, Mississippi, Progressive auto insurance rates for my 1993 Honda Civic were good. Left Amica to switch. Not sure about claim service. I just carry liability insurance.

  16. Twanna Aguirre

    This is too expensive. Checking in from Wichita, Kansas. Received prices from State Farm, Farmers, and Hartford for my Honda and saved around $70 a year. Hopefully won’t need it. I don’t have comp or collision coverage.

  17. Isa Quinn

    I live in a small town just outside of Tulsa, OK. Got rates from Amica, MetLife, and a few others for my Honda and I’m now saving $10 a month. Insured with Progressive before. Thankfully I have a good driving record. Are quotes cheaper online? Just liability coverage since it’s getting old.