How Much Does 1995 Honda Civic del Sol Insurance Cost?

Trying to find better insurance prices for your Honda Civic del Sol can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy insurance and you need to know the absolute fastest way to get price quotes for a Honda and find the cheapest rates from both online companies and local agents.

Shopping for affordable insurance is easy if you know what you’re doing. If you have a current insurance policy or need new coverage, you will benefit by learning to find the best rates and still get good coverage. Consumers just need to know how to get comparison quotes online.

Lower rate quotes by earning discounts

Companies do not list all possible discounts very clearly, so the next list breaks down some of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online.

• Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Defensive Driving Course – Passing a course in safe driver could possibly earn you a 5% discount and easily recoup the cost of the course.
• Telematics Data Discounts – Policyholders that allow their insurance company to track driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
• Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy could earn a price break for each car.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Senior Discount – Seniors may be able to get a discount up to 10% on Civic del Sol coverage.

We need to note that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and the discounts they provide are:

• State Farm discounts include Drive Safe & Save, good student, multiple policy, good driver, driver’s education, and student away at school.
• Esurance includes discounts for anti-theft, paid-in-full, online quote, online shopper, claim free, anti-lock brakes, and DriveSense.
• Progressive may offer discounts for continuous coverage, multi-policy, online quote discount, multi-vehicle, and homeowner.
• Liberty Mutual may have discounts that include newly married, hybrid vehicle, new graduate, multi-policy, and newly retired.
• Auto-Owners Insurance offers premium reductions for multiple vehicles, safe driver, multi-policy, air bags, good student, mature driver, and paid in full.
• Geico may include discounts for good student, daytime running lights, seat belt use, five-year accident-free, emergency military deployment, multi-policy, and air bags.

When getting free insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some credits might not be offered in every state. If you would like to view companies who offer discounts, click this link.

How to buy auto insurance

Finding a better price on auto insurance can be surprisingly simple. The only thing you need to do is spend a few minutes getting comparison quotes from different insurance companies. You can get a good selection of rate quotes using a couple different methods.

1. The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quote forms to each individual auto insurance company. Just one form will return quotes direct from many companies. Recommended for those who want to invest the least amount of time.
2. A slightly less efficient method to find better pricing requires a trip to each company’s website and repeat the quote process. For instance, we’ll assume you want rates from Geico, Esurance and Liberty Mutual. To do that, you would have to go to every website and enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
3. The last way to find lower rates is to waste gas driving to insurance agents’ offices. Quoting online has reduced the need for local agents unless you have a complicated situation and need the professional abilities that you can only get from talking to an agent. Some companies do allow you to obtain prices from the web but purchase the actual policy in an agency.

Which method you use is up to you, but do your best to use the exact same coverage limits for each quote you get. If you are comparing different deductibles it will be impossible to truly determine the lowest rate.

Components of your Honda Civic del Sol insurance costs

An important part of buying insurance is that you know some of the elements that help determine the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that could help you find lower rates.

The factors shown below are a few of the things auto insurance companies consider when setting your rate level.

• Lower prices with alarms and GPS tracking – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
• Compare rates if you consolidate your policies – Most companies will award lower prices for people who have multiple policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, drivers will still want to compare other company rates to verify if the discount is saving money.
• Bad credit hurts insurance prices – An insured’s credit rating is likely to be a major factor in determining what you pay for auto insurance. Therefore, if your credit rating is low, you could save money insuring your 1995 Honda Civic del Sol by spending a little time repairing your credit. People that have excellent credit tend to be better drivers and file fewer claims than those with bad credit.
• Getting married reduces risk – Having a wife or husband helps lower the price when shopping for auto insurance. Marriage means you’re more stable financially it has been statistically shown that married drivers tend to file fewer claims.
• Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce injuries and fewer serious injuries means less claims paid passed on to you as lower rates. If your Honda Civic del Sol earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Big cities have higher rates – Residing in less populated areas of the country has it’s advantages when buying auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. People who live in big cities tend to have more traffic problems and more severe claims. The longer drive time means more chances of being involved in an auto accident.

Your insurance coverage should be tailored to you

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I drive in a foreign country?
• How high should my uninsured/underinsured coverage be in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I afford to pay high deductible claims out of pocket?
• Will my insurance pay for OEM parts?
• Am I covered if hit by an uninsured driver?
• How many claims can I have before being cancelled?
• How high should deductibles be on a 1995 Honda Civic del Sol?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Will you really save $413 on insurance coverage?

Drivers constantly see and hear ads for cheaper insurance coverage by Progressive, Allstate and Geico. All the ads make an identical promise that drivers will save a bundle if you just switch your policy.

How can each company give you a lower rate? Here is how they do it.

All companies have specific guidelines for the type of insured that will not have excessive claims. One example of this type of risk profile could be between the ages of 40 and 55, has few claims, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot if they switch.

People who do not meet this stringent profile may receive higher prices and the prospect going elsewhere. The trick is to say “people who switch” not “everybody who quotes” save money. This is how insurance companies can make the claims of big savings.

This really illustrates why drivers should do a quote comparison often. It is impossible to predict with any certainty which company will give you the biggest savings.

Coverages available on your policy

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, funeral costs and prosthetic devices. 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 also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Honda Civic del Sol.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, court costs, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Civic del Sol resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building, driving through your garage door and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

At the end of the day…

In this article, we presented some good ideas how you can shop for 1995 Honda Civic del Sol insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

The cheapest 1995 Honda Civic del Sol insurance can be found on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. There are still a few companies who may not offer online rate quotes and many times these regional insurance providers sell through local independent agents.

For more information, feel free to browse the following helpful articles:

• Car Insurance: When not to Skimp (BankRate.com)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)