Cheap 1997 Honda Civic Insurance Rates

Looking for cheaper car insurance rates for your Honda Civic? Vehicle owners who just recently started comparing insurance rates on the internet can find sourcing cheap auto insurance is tougher than they thought.

It’s smart to shop coverage around before your next renewal due to the fact that insurance prices trend upward over time. Even if you got the best quotes for Civic coverage a couple years back there may be better deals available now. You’ll find a ton of advice on car insurance online, but in this article, you’re going to get some great ways to stop overpaying for insurance.

Finding the best rates is easy if you know what you’re doing. Basically, every driver who shops for car insurance should be able to save money. But car owners do need to learn how the larger insurance companies determine prices and apply this information to your search.

The quickest method to compare car insurance company rates utilizes the fact most of the bigger providers allow for online access to give free rates quotes. All you need to do is take a few minutes to give details such as your general credit rating, deductibles desired, how old drivers are, and your occupation. Your rating data is submitted instantly to multiple insurance providers and you receive quotes almost instantly.

To compare rates now, click here then complete the form.

How do insurance providers determine Honda Civic insurance costs?

Part of the insurance coverage buying process is learning the factors that are used to determine the rates you pay for insurance coverage. If you know what impacts premium levels, this enables informed choices that may result in cheaper rates.

The items below are a few of the things companies use to determine your rate level.

• Teenagers are high risk – More experienced drivers are shown to be more cautious, tend to file fewer claims and receive fewer citations.Youthful drivers are known to be more careless when at the wheel of a vehicle so they pay higher insurance coverage rates.
• Deter car thieves – Choosing to buy a car with an alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
• Insurance coverage rates and your job – Jobs such as lawyers, social workers and miners generally pay the highest rates due to job stress and incredibly demanding work hours. Conversely, careers such as farmers, engineers and homemakers generally pay rates lower than average for Civic coverage.
• Rates also based on gender – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. Both genders are responsible for fender benders at about the same rate, but guys have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore pay the highest rates.
• Extra coverages you don’t use – Insurance policies have a lot of optional add-on coverages you can purchase on your insurance coverage policy. Insurance for vanishing deductibles, towing, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when buying your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
• Rate your vehicle for proper use – The higher the mileage driven in a year the more it will cost to insure it. A lot of companies charge rates based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Improper usage on your Civic may be costing you. Verify your declarations sheet correctly shows annual mileage.

Find discounts on insurance

Companies offering auto insurance do not advertise all available discounts very well, so the list below gives a summary of some of the best known and also the more inconspicuous ways to save on insurance.

• College Student – Older children living away from home attending college and do not have a car may qualify for this discount.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
• Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates for Civic coverage.
• Passenger Safety Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
• Good Grades Discount – Performing well in school may save you up to 25%. This discount can apply well after school through age 25.
• Homeowners Savings – Just being a homeowner can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
• Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
• Military Discounts – Having an actively deployed family member could qualify you for better prices.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy some life insurance too.

Keep in mind that most discounts do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

Popular insurance companies and some of their more popular discounts are:

• State Farm includes discounts for Steer Clear safe driver discount, multiple autos, student away at school, safe vehicle, defensive driving training, and driver’s education.
• American Family offers discounts including defensive driver, multi-vehicle, good student, air bags, accident-free, and TimeAway discount.
• Geico offers discounts for five-year accident-free, daytime running lights, federal employee, membership and employees, emergency military deployment, and multi-policy.
• 21st Century discounts include 55 and older, student driver, early bird, teen driver, defensive driver, theft prevention, and homeowners.
• Progressive policyholders can earn discounts including homeowner, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.

Before you buy a policy, ask each insurance company which discounts they offer. Discounts might not be available to policyholders in your area. To choose insurance companies who offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

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

• Does my 1997 Honda Civic need full coverage?
• Which companies will insure high-risk drivers?
• Am I covered when delivering products for my home-based business?
• Can my babysitter drive my car?
• Are rental cars covered under my policy?
• Am I covered when driving a rental car?
• Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage, medical expenses, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage on a shoestring budget

A few companies may not have the ability to get a quote online regional insurance providers work with independent insurance agencies. Cheaper auto insurance is available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

Consumers change insurance companies for any number of reasons including poor customer service, not issuing a premium refund, high rates after DUI convictions and being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford, but do not skimp to save money.

Helpful resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Who Has Cheap Car Insurance Quotes for a Honda Civic in Cleveland? (ClevelandCoverage.com)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)