Save on 1996 Honda Civic Car Insurance Rates

Looking for cheaper car insurance rates for your Honda Civic? No one in their right mind loves paying for car insurance, especially when they know they could find better prices if they shop around.

Because you have many companies and agents to choose from, it can be hard to pick the most cost effective insurer.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance prices are rarely the same from one policy term to another. Just because you found the best price for Civic coverage two years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable protection can be fairly easy. Basically, every vehicle owner who has to buy car insurance should be able to save money. But vehicle owners do need to know the way companies price insurance differently because it can help you find the best coverage.

Quote Honda Civic insurance for less

It’s important that you understand a few of the rating criteria that play a part in calculating your policy premiums. If you understand what controls the rates you pay, this helps enable you to make changes that can help you get better insurance rates.

The items below are some of the items companies use to determine your rate level.

• Driving citations can be expensive – Drivers with clean records get better rates as compared to careless drivers. Having just one citation could increase your next policy renewal twenty percent or more. Drivers who get careless violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
• Teenage drivers are expensive to insure – Beginning drivers tend to be less responsible behind the wheel so they pay higher insurance rates. Adding a youthful driver onto a policy can break the bank. Older insureds are viewed as being more responsible, tend to file fewer claims , and are generally more financially stable.
• Insure car and home with the same company – The majority of insurance companies will give better rates to policyholders who carry more than one policy in the form of a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, you may still want to shop around to help ensure you have the lowest rates. You may still be able to save more without the discount by buying insurance from a different company.
• Premiums and your address – Living in less populated areas is a good thing when talking about insurance. People who live in big cities have to deal with traffic congestion and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims.

Are you receiving every discount?

Not many people think insurance is cheap, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown when you get a quote, but a few must be specially asked for before you get the savings.

• E-sign Discounts
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• Life Insurance Discount – Some insurance companies give a small discount if you purchase a life insurance policy as well.
• Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
• Buy New and Save – Adding a new car to your policy can save up to 30% since newer models have better safety ratings.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and Geico allow you one accident without getting socked with a rate hike if you are claim-free for a specific time period.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance coverage companies and a partial list of their discounts include:

• State Farm discounts include safe vehicle, multiple autos, driver’s education, student away at school, good student, passive restraint, and defensive driving training.
• Geico policyholders can earn discounts including emergency military deployment, federal employee, five-year accident-free, membership and employees, and anti-lock brakes.
• Progressive offers discounts including good student, multi-vehicle, continuous coverage, online signing, and homeowner.
• 21st Century has discounts for early bird, 55 and older, good student, driver training, theft prevention, student driver, and homeowners.
• American Family may include discounts for mySafetyValet, Steer into Savings, bundled insurance, accident-free, and multi-vehicle.
• The Hartford includes discounts for driver training, defensive driver, anti-theft, air bag, and good student.
• AAA offers premium reductions for AAA membership discount, pay-in-full, multi-car, education and occupation, good student, anti-theft, and good driver.

When comparing rates, check with all companies you are considering which discounts can lower your rates. A few discounts may not be available in your area. To view providers that offer multiple discounts, click this link.

Truth in insurance coverage advertising

State Farm, Allstate and Geico endlessly run ads on television and other media. They all seem to convey the message that drivers will save a bundle if you get a free insurance coverage quote and switch to them. How is it plausible that every one can charge you a lower premium? It’s all in the wording.

Many companies have strict underwriting profiles for the right customer that earns them the highest profit. For example, a desirable risk should be between the ages of 40 and 55, carries full coverage, and drives newer vehicles. Any person that fits those parameters will get very good prices and most likely will cut their rates substantially.

Drivers who do not meet those criteria will see more expensive rates which leads to the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can make it sound like they have such great premium rates.

This really drives home the point why it is so important to do a rate comparison at every renewal. It is just not possible to predict which company will have the best car insurance rates.

When in doubt talk to an agent

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine whether you might need professional guidance.

• Do I need added coverage for expensive stereo equipment?
• Do I have coverage when pulling a U-Haul trailer?
• Can my babysitter drive my car?
• Why am I be forced to buy a membership to get insurance from some companies?
• How do I file an SR-22 for a DUI in my state?
• When should I drop full coverage on my 1996 Honda Civic?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages explained

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

UM/UIM Coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 1996 Honda Civic.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sideswiping another vehicle, rolling your car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages

This coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, medical expenses, bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as funeral costs, X-ray expenses, hospital visits, doctor visits and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your auto insurance search

We just covered a lot of ways to shop for 1996 Honda Civic insurance online. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with a small local company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive and Geico.

When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage to discover at claim time that the savings was not a smart move. The goal is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Helpful information

• Prom Night Tips for Teen Drivers (State Farm)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Insitute)