2001 Honda Civic Car Insurance Rates – 7 Tips to Save

Trying to find cheaper insurance coverage rates for your Honda Civic? There isn’t anyone who likes having to buy insurance coverage, especially when they are aware that their premiums are too high.

With so many options when it comes to insurance coverage, it can be impossible to choose a more affordable insurance coverage company.

You should take the time to get comparison quotes on a regular basis because insurance rates are variable and change quite frequently. Just because you had the lowest premium rates for Civic insurance six months ago the chances are good that you can find a lower price today. There is a lot of bad advice regarding insurance coverage online, but in a few minutes you can learn some of the best techniques to stop overpaying for insurance.

Buying car insurance is quite easy. Essentially anyone who has to buy insurance stands a good chance to be able to lower their premiums. Nevertheless, consumers do need to understand how the larger insurance companies sell insurance online.

How to find low cost car insurance

Shopping for lower car insurance rates is a ton of work if you don’t know the most efficient way to do it. You could waste a few hours talking to agents in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company can provide price quotes for coverage. This system prevents you from having to do quote forms for each company you want a rate for. To compare pricing click here (opens in new window).

The one downside to using this type of system is you are unable to specify the insurers you want to price. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to keep the same coverage limits for every company. If the quotes have mixed coverages it will be very difficult to find the best deal for your Honda Civic. Just a small difference in insurance coverages may result in a large different in cost. And when price shopping your coverage, more quotes helps increase your odds of locating more affordable insurance.

The ad said I’d save $423 a year!

Big name companies like Geico, State Farm and Progressive continually stream ads in print and on television. All the ads try to convey promises that drivers will save a bundle just by switching your coverage. How does every company charge you less for car insurance? This is how they do it.

Insurance companies quote their best rates for the type of driver that will most likely be profitable. A good example of this type of driver might have to be a mature driver, has no prior claims, and drives a lower-performance vehicle. Any customer who fits those characteristics will get very good premium rates and will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to this stringent profile may be required to pay a higher premium and the customer not buying. The wording the ads use say “customers that switch” not “everybody who quotes” save the amount stated. That is how insurance companies can confidently make those statements. Each company has different criteria, so you really need to compare as many free car insurance quotes as you can. Because you cannot predict the company that will have the best rates for your profile.

Cheap insurance coverage rates with discounts

Companies that sell car insurance don’t list all disounts in a way that’s easy to find, so the next list breaks down a few of the more well known and also the lesser-known discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• New Car Discount – Buying insurance on a new vehicle can save up to 30% since newer vehicles are generally safer.
• Discount for Low Mileage – Keeping the miles down on your Honda could qualify for better insurance coveragerates on cars that stay parked.
• Discount for Swiching Early – A few insurance coverage companies give discounts for signing up prior to your current policy expiring. Ten percent is about the average savings.
• Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
• Good Student Discount – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply until age 25.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Military Deployment Discount – Being deployed with a military unit could qualify you for better rates.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free insurance coverage policy, you won’t be that lucky.

Some of the larger companies that may include some of the above discounts may include but are not limited to:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

It’s a good idea to ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in your area. To find insurance companies that offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Does my insurance cover a custom paint job?
• How much liability do I need to cover my assets?
• What if I owe more than I can insure my car for?
• What companies insure drivers after a DUI or DWI?
• Will filing a claim cost me more?
• Should I have combined single limit or split liability limits?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Coverage specifics

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like hospital visits, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage covers damage to your Civic resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection 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 Honda Civic.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Compare but don’t skimp

While you’re price shopping online, you should never buy poor coverage just to save money. Too many times, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

A few companies do not provide the ability to get quotes online and many times these smaller providers only sell through independent insurance agencies. Lower-priced insurance is available online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from.

Additional information can be found at these links:

• Bodily Injury Coverage (Liberty Mutual)
• What Insurance is Cheapest for a Honda Civic in Jacksonville? (JacksonvilleCoverage.com)
• Electronic Stability Control FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)
• Insuring a Leased Car (Insurance Information Insitute)