How Much Does 1995 Honda Civic Insurance Cost?

Want the cheapest insurance rates for your Honda Civic? Are you irritated from robbing Peter to pay Paul to pay high insurance rates every month? You’re in the same situation as millions of other consumers. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a great practice to take a look at other company’s rates periodically because insurance rates change frequently. Just because you found the lowest rate on Civic insurance a year ago you will most likely find a better price today. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to remove unneeded coverages and save money.

The fastest way that we advise to compare insurance rates from multiple companies is to realize all the major auto insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is provide information like how much school you completed, if you have an active license, whether or not you need a SR-22, and whether you have decent credit. That information is submitted instantly to multiple top-rated companies and you will receive price estimates within a short period of time.

To compare multiple company rates now, click here and find out if lower rates are available.

Don’t miss with these discounts

Some insurers do not advertise all their discounts very well, so we break down some of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Driving Data Discount – Drivers who agree to allow their insurance company to track where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Early Renewal Discounts – Some larger companies provide a discount for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Membership in Organizations – Participating in a qualifying organization could earn you a nice discount on insurance coverage.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
  • Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease on Civic insurance with some insurance coverage companies.
  • One Accident Forgiven – but a handful of insurance companies permit an accident without raising rates if you have no claims for a particular time prior to the accident.
  • Discount for Good Grades – Excelling in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Multi-policy Discount – If you have multiple policies with one company you could earn a discount of approximately 10% to 15%.

You can save money using discounts, but most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and their possible discounts can be found below.

  • Farmers Insurance includes discounts for early shopping, distant student, switch companies, good student, alternative fuel, multi-car, and teen driver.
  • Esurance may have discounts that include Switch & Save, multi-car, homeowner, DriveSense, and good driver.
  • State Farm offers discounts including good student, student away at school, anti-theft, good driver, and Steer Clear safe driver discount.
  • Geico may offer discounts for anti-lock brakes, multi-policy, defensive driver, anti-theft, five-year accident-free, emergency military deployment, and multi-vehicle.
  • Allstate may include discounts for EZ pay plan discount, good student, auto/life discount, farm vehicle, and safe driver.

Before buying, ask each insurance company the best way to save money. Savings might not apply everywhere. For a list of insurers that offer discounts, click this link.

Your situation helps dictate your coverage

When buying the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Why am I required to buy high-risk coverage?
  • Can my teen drive my company car?
  • Will I lose any money if I cancel my policy before it expires?
  • What are the financial responsibility laws in my state?
  • Does liability extend to a camper or trailer?
  • Which is better, split liability limits or combined limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

What determines Honda Civic insurance premiums?

Many factors are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but some are more transparent such as your credit history or how safe your car is.

The items below are just a few of the factors used by companies to determine rates.

  • Men tend to take more risk – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Males and females cause at-fault accidents in similar numbers, but males cause more damage. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI).
  • Low mileage costs less – The higher the miles on your Honda each year the higher your rates will be. A lot of companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than cars that get driven a lot. Having an incorrect usage rating on your Civic may be costing you. Make sure your insurance coverage coverage properly reflects the right rating data.
  • Get married and get cheaper rates – Walking down the aisle can actually save you money when shopping for insurance coverage. Having a significant other is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Cars with good safety ratings mean better insurance coverage rates – Cars with five star safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Low credit rating equals high rates – A driver’s credit score will be a significant factor in calculating your insurance coverage rates. If your credit is low, you could potentially save money when insuring your 1995 Honda Civic by spending a little time repairing your credit. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Never let your policy expire – Driving any period of time without insurance is against the law and companies may charge more for letting your coverage have a gap. In addition to paying higher premiums, getting caught without coverage will get you a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • More traffic equals higher premiums – Choosing to live in areas with lower population can save you money when insuring your vehicles. Residents of big cities have more road rage incidents and a longer drive to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Accidents will cost you – Drivers who don’t get tickets have lower premiums as compared to careless drivers. Even one speeding ticket can increase rates forty percent or more. Drivers with dangerous citations such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Geico, Allstate and State Farm. They all make the same claim that you can save if you just switch your coverage to them.

It sounds good, but how can they all charge you a lower premium? This is how they do it.

Car insurance companies have strict underwriting profiles for the type of customer that earns them a profit. One example of a preferred risk might have to be between 30 and 50, is a homeowner, and insures a new vehicle. Any new insured who fits that profile will probably get cheap rates and will most likely save a lot if they switch.

Potential customers who don’t measure up to those criteria must pay a higher premium and this results in the customer not purchasing. The ad wording is “customers who switch” not “everybody who quotes” save the amount stated. This is how insurance companies can lure you into getting a quote.

This really illustrates why it is so important to compare many company’s auto insurance rates. You cannot predict the company that will have the best rates at this point in time.

Coverages available on your policy

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, hitting a bird and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 1995 Honda Civic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, loss of income, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Civic from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, EMT expenses, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Have the Midas touch

In this article, we presented quite a bit of information on how to lower your 1995 Honda Civic insurance auto insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced car insurance comes from the smaller companies. Some small companies can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. In many instances, an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

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Comments About 1995 Honda Civic Insurance

  1. Kati Santiago

    Cheapest quote for my 1995 Honda Civic was with Encompass. Left Nationwide to switch. They were helpful in switching over. Not worth enough to pay for comprehensive and collision.

  2. Faustina Carrillo

    Here’s my quote info. I live north of Lewiston, Maine. I quoted with Travelers, American Family, GMAC, and Safeco for my Civic and saved around $100 a year. Switched homeowners coverage too. Only insure liability on my Civic.

  3. Kenneth Shepard

    Lifelong resident of Las Vegas, NV. I got free quotes from Amica, Nationwide, and a few others for my 1995 Honda Civic and saved about $120 a year. They were helpful in switching over.

  4. Geoffrey Cervantes

    What is UM/UIM coverage?

  5. Sean Lynch

    Do I have to have car insurance in Nebraska?

  6. Truman Herman

    Got pretty cheap 1995 Honda Civic insurance from Allstate in Mobile, AL.

  7. Sylvester Horne

    Here’s my info. From Columbia, South Carolina. Got car insurance rates from GEICO, AAA, Farmers, and Liberty Mutual for my Civic and saved around $110 a year.

  8. Elissa Berg

    Here’s my quote info. Proud to be from Green Bay, WI. Went online for free insurance quotes for a 1995 Honda Civic. Ended up at about $100 savings annually. Went with State Farm. Insured with Sentry before. I get a discount for insuring multiple vehicles. Not sure if rates are cheaper online or through an agent.

  9. Rufus Scott

    If you have a good history and live in the vicinity of Miami, Florida, check out GEICO. I saved quite a bit. Was with Allstate. I used their website to get prices.

  10. Brynn Fuentes

    Liked the article. From northwest of North Charleston, South Carolina. Got car insurance quotes from Hanover, AIG Insurance, Mercury, and a couple others for my 1995 Honda Civic and saved just over $100 a year. I just quoted rates online.