1994 Honda Civic del Sol Car Insurance Quotes – 9 Tips to Save

Tired of being strong-armed to buy insurance? You have the same problem as most other people.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s a good idea to compare prices periodically because insurance prices change frequently. Despite the fact that you may have had the best deal on Civic del Sol coverage a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the quickest way to buy cheaper insurance.

Take these nine policy discounts and save

Auto insurance companies do not list every possible discount in a way that’s easy to find, so the next list breaks down some of the more common and the more hidden discounts that you may qualify for.

  • Military Discounts – Being on active deployment in the military could mean lower rates.
  • Driver Education Discount – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper because newer vehicles have to meet stringent safety requirements.
  • Telematics Data – Drivers who agree to allow companies to look at vehicle usage by using a telematic data system like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Civic del Sol coverage depending on your insurance provider.
  • Claim Free – Drivers who don’t have accidents have much lower rates when compared to drivers with a long claim history.

Don’t be surprised that most credits do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

If you would like to view providers that offer many of these discounts, click here to view.

How to compare auto insurance price quotes

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many insurance companies participate in an industry program where prospective buyers submit one quote, and each company can give them a price based on that data. This eliminates the need for form submissions to every company.

To find out how much you can save on auto insurance click here (opens in new window).

The only downside to comparing rates this way is buyers cannot specifically choose the insurers you want pricing from. So if you want to choose from a list of companies for rate comparison, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter equivalent coverage data for each comparison quote. If you use different values for each quote you can’t possibly make an equal comparison. Just a small difference in insurance coverages or limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing all the rates in your area will enable you to find a lower rate.

Which policy gives me the best coverage?

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from professional advice.

  • Is a blown tire covered by insurance?
  • Is my 1994 Honda Civic del Sol covered for flood damage?
  • Does liability extend to a camper or trailer?
  • Is pleasure use cheaper than using my 1994 Honda Civic del Sol to commute?
  • What if I total my 1994 Honda Civic del Sol and owe more than it’s worth?
  • Do I need more liability coverage?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Beware of misleading auto insurance ads

Auto insurance companies such as Progressive, Geico, Allstate and State Farm consistently run ads on television and other media. All the ads make the point of big savings if you get a free auto insurance quote and switch your coverage. Is it even possible that every company can make almost identical claims? This is the trick they use.

Insurance providers look for specific characteristics for the driver they prefer to insure. One example of a preferred risk may need to be over the age of 45, has a low-risk occupation, and the vehicle is rated for pleasure use. Someone who fits that profile will get the preferred car insurance rates and therefore will cut their rates if they switch.

Consumers who don’t measure up to the ideal profile may be required to pay more expensive rates which results in the customer buying from a different company. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much when switching. That’s why insurance companies can claim big savings.

Each company has different criteria, so drivers should compare many company’s premium rates. Because you cannot predict which auto insurance company will provide you with the cheapest car insurance rates.

Specific coverage details

Having a good grasp of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Honda Civic del Sol.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like X-ray expenses, rehabilitation expenses, ambulance fees, pain medications and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, hitting a mailbox, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, medical services, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Power to the consumer

When searching for the cheapest auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of information how to shop for 1994 Honda Civic del Sol insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding low cost auto insurance. Drivers may discover the best premium rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Additional insurance coverage information can be found at these links:

Comments About 1994 Honda Civic del Sol Insurance

  1. Tobi Duke

    Just my two cents. I’m in the west part of Boise, ID. Compared rates from a lot of places. Saved right around $30 a month. Progressive was the most affordable for me. :)

  2. Fermin Frank

    I’m in New York City, NY. I got free quotes with Amica, Erie, and Mercury for my 1994 Honda Civic del Sol and I think I saved around $30 each month. Anyone else drop full coverage?

  3. Sherrill Ballard

    From a town just southwest of Charleston, WV. Don’t remember every company but I ended up saving about $20 each month. Left Farmers to switch. Even increased my liability limits. I got a quote from their website.

  4. Candida Beck

    I compared a lot of rate quotes for a 1994 Honda Civic del Sol in Rochester, MN. Ended up at roughly $70 every six months with AAA. I don’t put full coverage on it.

  5. Pauletta Stanton

    Is Progressive or Allstate cheaper in Detroit, Michigan?

  6. Rafaela Garza

    Will Allstate give a discount for driver training?

  7. Leonia Buck

    IMHO Dallas, Texas seems to have good rates from GEICO.

  8. Shani Daniel

    I’m in Fort Wayne, IN, and GEICO rates were affordable. Left Progressive to switch. It’s easy to compare rates online now.

  9. Meaghan Thornton

    Lifelong resident of Baton Rouge, Louisiana. I got free quotes from AAA, MetLife, and Travelers for my Honda and saved $93 a year. Left MetLife to switch. Even increased my liability limits.

  10. Kayce Hale

    Do I have to carry car insurance in Connecticut?