1999 Honda Civic Car Insurance Quotes

Want the cheapest auto insurance rates for your Honda Civic? Have you had enough of sacrificing to make your auto insurance payment? You are in the same boat as the majority of other vehicle owners. Having so many companies to choose from, it can be challenging to pick the most cost effective insurance company.

Consumers need to compare rates yearly because prices are constantly changing. Even if you got the best rate on Civic coverage two years ago a different company probably has better premium rates today. Forget all the misinformation about auto insurance because you’re going to learn the best methods to properly buy coverages and cut your premium.

This article will introduce you to how to get online quotes. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Vehicle owners just need to learn the tricks to shop online.

How you can control Honda Civic insurance premiums

Many different elements are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but some are less apparent like your vehicle usage or your financial responsibility.

• Liability coverage risk factors in – Liability insurance will protect you if ever you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense starting from day one. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Excellent credit equals lower rates – Your credit score will be a significant factor in determining what you pay. People that have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit scores. So if your credit is low, you could save money insuring your 1999 Honda Civic if you clean up your credit.
• Always keep your insurance coverage policy in force – Driving your car without having proper coverage is a misdemeanor and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher premiums, the inability to provide proof of insurance could result in a license revocation or jail time.
• Advanced alarm systems – Driving a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
• Claim-free discounts can add up – If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Car insurance companies give discounts to insureds who file claims infrequently. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
• Insure your auto and home with one company – The majority of insurance coverage companies give discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
• Higher prices for tough vocations – Occupational choices like military generalsairline pilots and dentists tend to pay higher rates than average because of stressful work requirements and incredibly demanding work hours. Other professions such as actors, historians and retirees receive lower rates on Civic coverage.
• Reduce premiums by driving vehicles with better crash test results – Safe vehicles cost less to insure. Safe vehicles reduce injuries and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If the Honda Civic is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

How to buy insurance coverage online

There are a lot of ways to shop for insurance coverage, but there is one way that is less time-consuming than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to get prices fast.

Many insurance companies take part in a program that allows shoppers to complete one form, and at least one company can provide price quotes for coverage. This system prevents you from having to do quote forms for every insurance coverage company.

To find out how much you’re overpaying now click to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which carriers to get quotes from. If you wish to select specific insurance companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use equivalent coverages for each price quote. If you use different deductibles you will not be able to make a fair comparison for your Honda Civic.

Insurance quotes and discounts

Insurance can be prohibitively expensive, but there are discounts available that could help you make your next renewal payment. Many discounts should be triggered when you purchase, but some need to be asked for before being credited. If you do not double check each discount you qualify for, you could be saving more on your insurance.

• Military Rewards – Having a deployed family member could qualify you for better rates.
• Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on Civic coverage with select insurance companies.
• Passenger Safety Discount – Options like air bags may earn rate discounts up to 30%.
• No Accidents – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. The discount lasts until age 25.

Just know that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies with discount rates, click here.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

• What is covered by UM/UIM coverage?
• I don’t drive much so do I pay less?
• Does my 1999 Honda Civic qualify for pleasure use?
• Will my insurance pay for OEM parts?
• Is my camper covered by my car insurance policy?
• How much underlying liability do I need for an umbrella policy?
• Am I covered if my car is in a flood?
• Should I have combined single limit or split liability limits?
• Are my friends covered when driving my 1999 Honda Civic?
• If my 1999 Honda Civic is totaled, can I afford another vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for nursing services, rehabilitation expenses, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverage – This protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, medical services, funeral expenses, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hail damage, damage from a tornado or hurricane, falling objects and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your Civic from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Knowledge is power

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

We just showed you a lot of tips how to save on 1999 Honda Civic insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from some of the smallest insurance companies. These companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

Budget-conscious 1999 Honda Civic insurance can be bought both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and most of the time these smaller companies sell through local independent agencies.

To read more, link through to these articles:

• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)