Compare 1994 Honda Civic Car Insurance Rates

Trying to find better insurance rates for your Honda Civic? Overpriced insurance can deplete your accounts and make it tough to pay other bills. Getting a rate comparison can lower your rates and help to make sure you’re not throwing money away.

Consumers have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to find a good deal.

Finding affordable coverage is easy if you know what you’re doing. Basically, anyone who buys car insurance should be able to lower their premiums. Nevertheless, vehicle owners do need to know the way companies market insurance on the web because it can help you find the best coverage.

The quickest way to get policy rate comparisons is to know most larger insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like which vehicles you own, what you do for a living, how much you drive, and any included safety features. Those rating factors is submitted instantly to multiple companies and they return cost estimate with very little delay.

Lower rates by qualifying for discounts

Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few need to be manually applied prior to getting the savings.

• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
• Sign Early and Save – Some insurance companies give discounts for signing up before your current coverage expires. It can save you around 10%.
• Discounts for New Vehicles – Putting insurance on a new car can save up to 30% because newer models are generally safer.
• Driver Education Discount – Have your child complete a driver education course in high school.
• Discount for Low Mileage – Low mileage vehicles can earn lower prices on the low mileage vehicles.
• Homeowners Savings – Owning a house can get you a discount due to the fact that maintaining a home requires personal responsibility.
• Safety Restraint Discount – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• No Charge for an Accident – but a few companies such as Progressive, Allstate, and Geico allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Accident Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote when compared with drivers who are more careless.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, it just doesn’t work that way.

Larger car insurance companies and their possible discounts are outlined below.

• Travelers discounts include home ownership, save driver, payment discounts, new car, IntelliDrive, and student away at school.
• 21st Century offers discounts for teen driver, anti-lock brakes, homeowners, good student, driver training, air bags, and theft prevention.
• State Farm offers premium reductions for multiple policy, Drive Safe & Save, good driver, passive restraint, safe vehicle, and defensive driving training.
• Geico has savings for anti-lock brakes, military active duty, federal employee, air bags, and anti-theft.
• SAFECO may include discounts for accident prevention training, drive less, anti-theft, teen safe driver, teen safety rewards, and safe driver.
• AAA may have discounts that include good driver, education and occupation, AAA membership discount, anti-theft, multi-policy, pay-in-full, and multi-car.

Before you buy a policy, ask every prospective company to apply every possible discount. Discounts may not be available everywhere. If you would like to choose from a list of insurance companies who offer discounts, click here to view.

Insurance is unique, just like you

When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

• Are rock chip repairs covered?
• Should I waive the damage coverage when renting a car?
• Do I need an umbrella policy?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage when using my vehicle for my home business?
• When would I need rental car insurance?
• Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hitting a deer, falling objects, vandalism and hitting a bird. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, rehabilitation expenses, nursing services, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP 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 coverage is not available in all states and may carry a deductible

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as funeral expenses, bail bonds, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

This coverage pays for damage to your Civic resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.